davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

I met all the qualifying criteria for the Citi Premier credit card but I was informed I was no longer eligible due to an account opening/closure of same credit card family within 24 months despite during the entire relationship with Citi I have never requested any account closure and the only account opening within 24 months I requested was this card. 

XXXX XXXX : I applied for the Citi Premier card with a promo 50,000 ThankYou points for {$4000.00} of spending in 3 months. 

XXXX XXXX : I met eligible spending requirements within the timeline. 

XXXX XXXX : I called Citi to confirm eligibility and Citi claimed that I was not eligible due to a closed Citi Forward which Citi unilaterally closed in XXXX. I contended this should not affect eligibility given even on today 's Citi signup promotion for Citi Premier, that the Citi Forward is not listed as one of the cards whose opening/closing would affect eligibility and that additionally the closure was action taken by Citi and not myself. It would also be contentious for any closure initiated by Citi to affect bonus eligibility given Citi could use it to the effect of artificially causing failure to meet bonus terms. 

XXXX XXXX : I called Citi again to check eligibility and this time they said I was not eligible because I closed a Citi Preferred card in XXXX. However this was after I applied for the Citi Premier and furthermore the card was converted to a XXXX card, not closed as it is the same tradeline as the Citi Preferred. Not withstanding the fact that this occurred after the application of the Citi Premier, a conversion should not count as a closure and nowhere during any interaction with Citi on that matter was there a mention of any effects with regards to bonus eligibility.

Given Citi 's inconsistent reasoning on what affected bonus eligibility and unreasonable claims of what constitutes card closure. Citi should honor original bonus terms as stated at the time of application.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Upgrade, Inc. (CA)

I am writing to file a complaint against Upgrade Inc. with CFPB due to sudden suspension of my XXXX XXXX XXXX on XXXX XX/XX/year>. Since then, I have been calling Upgrade almost every day & also emailing them to activate the account, every time same reply : We are currently reviewing the account. There is no update available at this time. The lack of explanation or resolution has caused significant inconvenience & distress.

When we tried to transfer our funds outside the account, they suspended our account and have not provided us any reason why. We have also asked them to close our account and transfer our funds to our external account and they are also not closing our account either. 

We have seen many complaints from other people with the same issue that when they try to transfer their money outside their account, their accounts also get suspended by Upgrade and they keep waiting for months with no reply.

Upgrade is illegally holding my money without my consent and we want strict action and investigation taken against them as they are dealing with fraudulent practices. 

I am XXXX XXXX suffering from XXXX and need money for day-to-day activities. I request immediate account Unsuspension & compensation for inconvenience and stress. I want my account closed and all my money transferred to my external account ASAP. I request the CFPB to please facilitate swift resolution to this matter. I request your assistance in resolving the matter promptly.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company " COLUMBIA DEBT RECOVERY '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. 

The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was contacted by XXXX XXXX They told me that they purchased the account from XXXX XXXXXXXX XXXX. I was instructed to pay the amount due within 30 days or they would report it to the credit bureau. I paid the amount due and received a letter of satisfaction. 

The status is being reported as unknown in place of paid in full. 

XXXXXXXX XXXX stated that they did not report to the credit bureaus so I needed to contact XXXX XXXX XXXX who last reported to make the changes. 

I attached letter of satisfaction.
Consumer complaint received 2023-11-16
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. (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 Name : 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 has violated my rights. Or list of inquiries 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 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

Why did Citi credit card report delinquent for the month of XXXX and XX/XX/2023 to the three credit bureaus after telling me XXXX your account is being placed on hold until after the fraudulent charge is resolved.You also do have to make payments towards your account until its resolved However, I was never notified nor received any response stating my investigation was complete, yet they reported fraudulent delinquent information. 
Im asking that the fraudulent information be investigated, and removed of my credit report.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to XXXX, XXXX  and Equifax, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (AL)

I received a letter from a law firm, XXXX XXXX XXXX, XXXX, stating that a public record shows that Crown Assest Management, LLC is suing me for debt collection. I do not know anything about this company. I believe this is fraud and identity theft by Crown Asset Management , LLC because they are suing me without any notice and validation of debt.
Consumer complaint received 2023-12-19
Product: Credit reporting 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. (NJ)

Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (TN)

On XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX from XXXX. I answered, and then the call hung up. I called back, and a representative - a woman - answered. She asked for me by name, I said " yes ma'am. '' She proceeded to disclose my full social, full name, and full address without first verifying it was me and without saying " this is an attempt to collect a debt. '' When I tried to point this out to her, I guess she realized I was correct, and she said " oh XXXX '' and hung up on me. They called last week, claiming I owe a loan from XXXX, and that I was being taken to court by their attorneys and being served at my home for this. It's all false since I wasn't eligible to take out loans in XXXX in any capacity. I no longer feel safe. I think this is a huge violation of privacy, and this company should be held accountable for this. I plan to work with an attorney to sue for corrupt collection practices. But this definitely needs to be on the record somewhere in case someone else is affected.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. WELLS FARGO BANK XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the WELLS FARGO BANK customer service representative. I recognize and take responsibility for the late payments. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-20
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: BARCLAYS BANK DELAWARE (AK)

I pulled my credit due to a recent fraud situation and found several credit inquiries that I did not authorize. I wrote letters to the companies and did not ever get a response back. These are not my inquiries and they need to be removed from my credit report. It is negatively impacting my ability to get credit and I will seek legal action if it is not resolved immediately.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (PA)

On XX/XX/2024 I was contacted by discover bank about a possible missed payment that I dnt owe. I stated to the worker I do not owe discover bank and I wish for they to stop contacting me so I placed a no contact order wit the operator on XX/XX/24 and I was told I would not be contacted anymore However on XXXX of XXXX I was called by discover bank again despite the no contact order. I now feel as through I am being harassed by discover bank emphatically.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am not liable for any debt with XXXX do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, XXXX the Deletion of this item from my credit file. I am attaching a notice of deletion from XXXX.
Consumer complaint received 2024-01-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (ND)

Received a notification on my credit report that a collection from XXXX of {$100.00} from XXXX, XXXX. I thought my account with XXXX was closed and was paid in full. This credit collection was put on credit report XXXX, XXXX - 5 years later from Transworld System Inc, I thought it was a scam or identity theft, I disputed with all 3 credit bureaus, XXXX took it off my credit report, XXXX and XXXX did not. 

I called Transworld beginning of XXXX and they said it was me and I owed this, I called XXXX and they couldn't give me any info because account was closed and sent Transworld . 

I called Transworld back and was told if I paid {$75.00} it would be settled, so I paid {$75.00} in XX/XX/XXXX. 

Now I continue to call Transworld to close the account, I hear every time that a manger has verified the discount and has closed it, but it still shows on credit report. 

I still don't believe owed this debt, I have bought 3 houses and refinanced mortgages, so my addresses and information ( phn and email ) are easily obtainable, not sure how after 5 years something can be put on your credit report without proof.
Consumer complaint received 2024-01-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MoneyLion Inc. (VA)

I disputed this debt in 2020 and it was then removed from my credit report now after months later it is appearing again stating it was opened later than when it originally was I was a previous victim of fraud also and had an alert placed, I was told I would get a call back for my concerns and never received the call back. I would like to know why it was removed due to me having no knowledge and now it appears again, It should be removed at once and it is currently showing in a way on my credit report that my chances of getting a job is affected. I have no knowledge of this account and it is a small amount if it were owed truthfully by me i would pay but it is not. This is not the way you do business. I can provide proof it was disputed and removed in 2020 via XXXX
Consumer complaint received 2023-08-13
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. (GA)

Date of Notice : XX/XX/XXXX There is information on my consumer report that are the result of identity theft. I did not provide written permission or instructions for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on a material misrepresentation by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction made by me the consumer! ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT DATE : XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT DATE : XX/XX/XXXX, XXXX are required by Federal Law to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the Date of this notice. Looking forward to your response. Thank you
Consumer complaint received 2018-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (SC)

I applied a gold delta skymiles credit card from American Express on XX/XX/XXXX. The offer is in 3 months spend XXXX  dollars will offer XXXX  skymiles points. Spend on delta air will give XXXX  dollars statement credit.

I spent XXXX dollars from XX/XX/XXXX to XX/XX/XXXX. And was waiting for the skymiles points, they didnt give me the points. Till XX/XX/XXXX I talked with the assistant online. They set up a case for me. After this, I asked and talked with them 4-5 times, they gave me same answer the case is investigating, wait till next statement. 
Please help me. Thank you.
Consumer complaint received 2017-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

InXX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (TX)

This is the 2nd complaint. I asked the company not to reach out to me via telephone call after I informed the company " Zion Debt Holdings LLC '' this account was fraudulently opened using my social security number, but in someone else 's name. My name is " XXXX XXXX '', I am the sole owner of the social security number ending in XXXX. I have never went by any other name or alias. This debt is in the name " XXXX XXXX ''. I notified Zion Debt Holdings LLC '' on XXXX to notify them that this debt is the product of identity theft I also told them my name and that I was the sole owner of the social security number ending in XXXX. I also told the company to seize contacting me and that I was in the process of making a police report and complaint against their company. The next day XXXX I was sent a series of text messages from Zion Debt Holdings LLC asking me to pay off the account for deletion.
Consumer complaint received 2017-03-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CT)

We stopped to pay our mortgage since XXXX. I could n't work for a year because my XXXX babies came, so I quit to take care them. Months later my husband lost his job and we struggled with everything. By XXXX Penny Mac offered us and program for 9 moths that we can pay XXXX dollars per moths, but finally by XXXX I called them and I told that we were ready to pay our full monthly payment ( XXXX ). Then, they told us we need to start a Modification program and need to qualified, because I requested that wherever we owned we will lie to be transferred to the end of our balance. However, by XXXX this process starts and we could n't make payments because " we were on the process to modification '' even if we talked them we can pay our full monthly payment like we used to do before we got in this situation. My the middle of XXXX we recieved a lawyer letter saying we will be sue for whwerere we own, few days after we got papers for the same lawyer from Pend Mac that we need to go to court. We have been trying to get in contact with them so someone can explain us why we need to go to court if first, we are waiting for the modification, we want to pay just we do n't have the balance money ( XXXX ). we want to start to pay our regular payment. 
Plus they said we need to pay for their lawyers expenses. we do n't get a call for them and we want to reach them we just hear " wait '' we are working on your modification. I hope it get clearly soon__ thank you