davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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. (TX)

I am writing to file a formal complaint against Citibank regarding their refusal to honor the Platinum Mastercard Promo, which I believe constitutes a clear violation of consumer rights and fair banking practices. Despite my repeated attempts to resolve this matter directly with Citibank, the bank has failed to address my concerns satisfactorily, leaving me no recourse but to seek your intervention. 

In XX/XX/2023, I applied for and was approved for the Citibank AAdvantage World Elite Mastercard. Shortly thereafter, within 48 hours of activating the World Elite Mastercard, I realized that the Platinum Select Mastercard might better suit my travel needs. I promptly contacted Citibank 's customer service department to facilitate the card change. 

During this call, Citibank 's representative assured me that I had 14 days to make this card change and provided information about the differences in the rewards promotion associated with the Platinum Select Mastercard. I acknowledged these differences and agreed to the terms of the Platinum Select promo. 

From XXXX through XXXX of 2023, I diligently used my Citibank Mastercard for all purchases to meet the spending threshold required for the promotional rewards. However, when I reviewed my XX/XX/2023 statement, I found that the rewards had not been reflected. 

Upon contacting Citibank 's customer service, I was initially assured that I had met the spending threshold and would receive the rewards on my XX/XX/XXXX statement. However, when the statement arrived, the rewards were still missing. Subsequent inquiries revealed that Citibank considered my card change a " conversion '' rather than a new card promo, disqualifying me from the rewards. 

Despite escalating my concerns to Citibank 's management, I was met with indifference and a refusal to acknowledge their miscommunication and mishandling of the situation. This treatment is unacceptable, and I believe it is indicative of Citibank 's disregard for its customers ' rights and fair business practices. 

I am seeking your intervention to ensure that Citibank rectifies this matter immediately. Specifically, I request that the Consumer Financial Protection Bureau takes the following actions :
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. 

Account XXXX XXXXXXXX has violates my rights. 

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made sure that payments on this account are made on time, ensuring they are never overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Williams & Fudge, Inc (OR)

Debt is for school issued health insurance that was never issued/used and a waiver was applied for though I havent been a student since approximately XXXX. Debt was claimed in bankruptcy petition. While in bankruptcy stay, XXXX sent the account to collections twice AFTER receiving the initial bankruptcy notice. XXXX never asserted a creditor claim but violated bankruptcy stay laws by sending the account to collections ; nonetheless the bankruptcy was Ordered and the debts were XXXX. 

XXXX has now resurrected the debt, alleging it was student loan and that it was last due in XXXX ( XXXX years after any attendance ) and assigning it to collections, with interest, despite repeated notice of its discharge. My student loans are serviced by XXXX and are current, this was never student loan debt or class expenses
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently reviewed my credit report and found and error on my report. I had XXXX late payments on an account that was in fact on time. This account has never been late, I have contacted the company and they reversed the late charges. I have attached the information.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (IL)

Today is XX/XX/2023 and Im unable to you my card for the last pass week. I asked robinhood what was the issue and why they restricted my account they was unable to give me a reason. I been having account for a long time now Im unable to use my account and I have {$480.00} dollars on my account that I would like to use. I already verified my information like ID SSN selfie pictures And ect. Still no help from robinhood they are truly scammers
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

I received a notification from my credit monitoring account that I had a new derogatory account from National Credit Adjusters for a balance of {$310.00}. I never received a notice of this account or notice of a right to dispute this account in the mail.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (AZ)

WF is a XXXX  disgrace. Its customer svc it's useless. I spent over hour hour I've got disconnected XXXX by a so called advocacy group rep XXXX in AZ 2x. One time by XXXX in the XXXX, Once by XXXX in AZ and once by XXXX another so called customer advocacy. I couldn't place a {$37.00} purchase online. Merchant ( Hot Topic ) Claims it was WF blocking the transaction. All these people listed above dropped the ball NONE of them took care of the issue, they disconnect the call and had me call all over again. When I tried to complaint to this so called advocacy group both females, XXXX and XXXX hung up on me they did not fix or solve the issue. It is a bloody disgrace and willl be canceling this account with their ripoff fees and APR. No wonder WF it's under the water and legal issues
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc. (TX)

XXXX " Wind Insurance '' with an annual premium of {$4500.00} has been charged by Valon Mortgage multiple times, causing a shortage in the escrow account and has now raised my monthly payment by nearly XXXX XXXXXXXX to cover the shortage. 

However, I have shown multiple times that my dwelling is already covered for wind damage through my homeowner 's insurance policy with XXXX XXXX and the Master Condo Policy through the HOA from XXXX XXXX XXXX. 

Lender will not accept these coverages, or states the master policy is only Liability and not Hazard, even though the XXXX XXXX Policy covers for hazard, and continues to charge an extremely high annual premium for " Wind Insurance '', causing a significant financial hardship. 

I have asked to remove the escrow account and switch to principal and interest payment, but the lender, Valon Mortgage, will not release the escrow because it is currently in shortage, a shortage which has been caused by their incompetence and frivolous insurance premium charges.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Capitol One, I am writing to address a concerning matter regarding an inquiry reported by Capitol One, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for Capitol One to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Capitol One to remove this inquiry from my file within four business days. 

Furthermore, it has come to my attention that Capitol One neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Capitol One. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account.

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Bright Capital Inc (VA)

i signed up for bright money services the subscription fee was supposed to be {$8.00} a month for 12 months but they took the whole {$99.00} out my checking account at XXXX time. I finally got the opportunity to talk to a live person after trying for 3 days. The response to my emails are vague and unsupportive. i was promised a refund but haven't received one as of yet
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This company continues to report inaccuarate information that mislead any creditor to deny me for a loan. They said they verified the information but can never show me the procedure or answers i asked in my letters
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Please be advised that I hereby formally request documentation substantiating the investigation undertaken concerning the matter at hand. Specifically, I demand the disclosure of the methodology employed in said investigation, inclusive of all pertinent records detailing the individuals contacted, their respective business addresses, names, and contact telephone numbers. Additionally, I require documentation validating the purported tardiness of the referenced account. 

Should you fail to furnish the requested information within a period of fifteen ( 15 ) days from the date of this correspondence, it is hereby insisted that the account in question be expeditiously updated to reflect a status of " PAID/NEVER Late ''. Furthermore, I expect prompt delivery of a copy of my revised credit report subsequent to said update. Failure to adhere to these directives may result in further legal recourse.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I called Experian to get my credit report on XX/XX/, and after receiving it, I noticed some hard inquiries do not have a permissible purpose according to 15 USC 1681b. I also attached my credit report and a letter showing that Experian is violating the FCRA.
Consumer complaint received 2024-02-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (DE)

I opened an Ashley Credit Card through Synchrony bank on XX/XX/XXXX in the XXXX, New Jersey store, totaling {$4300.00}, with 0 interest for 24 months. I only receive an email that payment is due, no paper statement. I have been paying {$200.00} a month. It will be paid in full in XX/XX/XXXX. When I received the XX/XX/XXXX email I saw there was a higher amount owed. Upon researching I saw charges that totaled {$900.00}. I found out that these charges were for credit protection and security, that I never signed up for. Apparently this was done on a mobile device at XXXX XXXX on XX/XX/XXXX. I called the credit card protection company and they said they can only refund {$560.00}, the past 12 months charges and will not refund the balance of {$330.00} They claimed that they emailed me a package about this protection when I supposedly signed up for it on XX/XX/XXXX. But I never received this because I did not sign up for it. 
I contacted the customer service dept and the fraud dept at Synchrony and was told they can not reverse the balance of {$330.00}. I explained it was fraud, they changed my account, but to no avail. The {$330.00} is still there. 
I WILL NOT pay for something I did not purchase or sign up for. I dont want my account going to collection. I have excellent credit. I have many other credit cards that I could have used. I opened this account because it was 0 interest for 2 years. Please advise as I am at my wits end and dont know what else to do.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NY)

I noticed that my most recent credit report contains [ a late payment/payments ] reported on [ XXXX ] for my Loan account. Two credit bureau reported this. I submitted proof I did not pay late. They are still claiming it's my fault due to processing error on thier end. One of thier staff gave me extension.
Consumer complaint received 2023-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services (TX)

First of all apparently this is a medical debt from when I was one week into being XXXX meaning it is XXXX XXXX XXXX this coming XX/XX/XXXX and is owed to be removed, I have no knowledge of this account. 
They also have accrued an intense amount of interest which is illegal you can not add interest to a medical debt. 

Finally I have never received any itemized anything of what I even owe for so Im unaware of what it even is for. When I called last month XX/XX/XXXX at approximately XXXX I was told by XXXX XXXX that they had no idea what it was for and that it is a mistake and theyd remove it from my credit and its still on there. 

For resolve Id like this medical debt of whatever form deleted from my credit.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

XXXX continues to report a debt they claim was an error in their computer system, I reported the situation to the police in December of 2022 because they continued to tell me they were fixing the situation and they did not. I am requesting that the identity theft related debt be removed from my credit file