davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

I opened a Citibank Checking account in response to its online offer of {$400.00} bonus on XX/XX/XXXX and deposited {$15000.00} to be eligible for this bonus. However, the {$400.00} bonus has never come. 
I opened this account over the phone with a Citibank staff on XX/XX/XXXX and deposited {$15000.00} by XX/XX/XXXX to meet Citibank 's 30 day funding requirement. But the bonus did not come. So I called Citibank around XXXX XXXX on XX/XX/XXXX to trace it. Citibank 's staff confirmed that I have met all the promotion requirements and the bonus should have been credited by XX/XX/XXXX. She explained that due to a heavy back log on the account opening bonus issues, Citibank did not credit it accordingly. She said Citibank will need a week to give me a response. She gave me a case # XXXX and said Citibank will finish the investigation and get back to me in a week. But the response never came. So I called around XXXX XXXX on XX/XX/XXXX again and got a Citibank supervisor on the phone. I was shocked to hear from this supervisor that Citibank has no record that I called Citibank before for the missing bonus even though there is a case # provided by the previous Citibank staff. This supervisor gave me a reference # XXXX and said it will take Citibank up to 30 calendar days to finish the investigation. When I opened my account over the phone, Citibank staff confirmed that I was enrolled in the promotion offer of {$400.00} if I deposited {$15000.00} within 30 days. " The bonus will be paid to your checking account within 90 days. '' It's been over 6 months since I opened my account, but no bonus has been paid to my account. Citibank should honor its online promotion offer and pay me the {$400.00} as promised.
Consumer complaint received 2023-11-22
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. (TX)

I have already disputed these items but the bureaus did not remove them, nor prove validation. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 1987, has violated my rights. 

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
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (OH)

XXXX XXXX XXXX The Account opened XX/XX/XXXX Original debt XXXX XXXX- charged off debt Product was deemed a total loss XXXX  insurance coverage paid XXXX  XXXX value of car XXXX  XXXX worked closely with the payer insurance company and reported negative on my account to credit After XXXX  XXXX accepted the total -loss insurance payment and they never reported amount to all XXXX credit agency I filed a disputed XX/XX/XXXX because XXXX  XXXX wasn't reporting inaccurately and improperly handling my account information The only resolution was to remove however, company chose to update debt from {$35000.00} to {$3800.00} I recontacted XXXX  XXXX to reach a settlement because paying vehical early made me not subject to interest rates which would've occured throughout 5 year term We agreed on a XXXX $ payment arrangement until gap insurance check was received. 
XXXX  XXXX was offerering settlement of XXXX dollars I negotiated XXXX $ would settle debt. 
Gap insurance set XXXX $ Instead of removing negative inquries and reporting payments XXXX XXXX charged off account. This should read paid.This account was mishandled I want this account removed not updated. 
This is in violation of accordance 15 us code and 1681s2. All information reported has not been correct.Information being reported to credit agency aren't reporting same information to XXXX, XXXX, and XXXX XXXX credit agencies. 

Navy Federal Credit Union Secured credit card XXXX Card maxes out at XXXX Reports highest limit as XXXX Account was as opened in XXXX Account suffered fruad/ theft activity and underwent investigation They shared my information with XXXX XXXX that the account was potientally negative I contacted Navy Federal because payment should've been received by institution.They notated my account and updated inaccurate information report to credit institution. I want the account removed.
Consumer complaint received 2023-03-13
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: U.S. BANCORP (TX)

I was suppose to receive {$150.00} at XXXX after spending {$500.00} in the first 60 days of opening the account. I was also suppose to receive 5x the reward points for each dollar that I spent at the XXXX XXXX XXXX I have not received any of this and just keep getting the run around. I have spoken with multiple supervisors, managers and have receive conflicting information on numerous occasions. I just want the rewards I have earned. I have spent way over {$10000.00} dollars at XXXX XXXX and have not received the 5x rewards points like I should have. ( {$10000.00} was just one purchase that I made at HD ) I have been receiving XXXX point per dollar. Every time I call they acknowledge I should be receiving 5x points but I am not. They are asking me to send verification off the offer that was on the web page when I signed up. I have asked numerous time to file a complaint and they will not let me take this to the next level. They say they will submit it and it will take 30 days to get a reply. I have attached the first reply. They want me to send further verification of the offer that I signed up for on their web site. I signed up specifically for this card for these rewards. The supervisors I have spoken with verified I should be receiving these rewards. I have attached screen shots from the page I signed up on.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (OH)

There are Hard Inquiries that should not be associated with my account, If I do not or have not been officered a line of credit then they should not be pulling my credit. Please assist me as each time they do this you are aware of the cost it could impose on all of us daily. Thank you for your help.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a XXXX of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (AZ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

My credit card was stolen on XX/XX/year>. I contacted Capital One canceled the card and submitted notice of suspected fraud. 

The issue is today is XX/XX/year> and I still have not been able to get a new card because they can not authenticate my ID. I have requested the option to send my ID in via mail or fax and they continue to tell me this is not an option. Capital One is continuing to charge me interest when I do not have access to this card or the app. I can not get in the app because the phone was stolen as well. I have asked to cancel the card and was told they can not cancel until they authenticate me. 



Please help me with this issue.
Consumer complaint received 2023-12-02
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. (FL)

On XX/XX/XXXX, I sent my FTC report. Along with my license to XXXX, XXXX, and TransUnion. I have fraudulent accounts reporting in my consumer report. I will be filing a civil lawsuit. These accounts are fraudulent and I followed the process to notify the above reporting agencies about the dispute.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ... .., has violated my rights. 

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
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (TX)

I received alerts today from the three credit bureaus ( Experian, XXXX, and XXXX ) that there were two credit inquiries on my credit report which I didn't authorize. 

As a victim of identity theft I want the credit inquiries removed from my credit reports. I called XXXX XXXX  and XXXX XXXX XXXX  and they told me to contact the credit bureaus to remove the credit inquiries. I contacted the credit bureaus but they were not helpful.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-06-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (IL)

I called Americollect and asked for verification of me having debt with them. This is a collections company trying to collect funds on a charged off account from a medical bill. I reached out to the company that had rights to collect funds on the debt and I was told that I could not make any payments because the debt had been charged off. I have received statements from Americollect and phone calls about a debt that they can not verify or prove that I owe them anything! I sent a letter asking for verification according to the Fair Credit Reporting Act 15 U.S.A & 1681. No proof has been sent to me. As a result the negative item needs to be removed immediately.
Consumer complaint received 2024-06-29
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

In XXXX of XXXX I had received an email about being approved for a credit card for XXXX, but I hadn't applied to a credit card through XXXX. 


In XXXX of XXXX I was informed via email that my application for a credit card through Capital One had been denied, but I hadn't applied to a credit card through Capital One.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir/Madam, I am writing to formally dispute and request the removal of certain previous addresses from my credit report, as governed by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that there are addresses listed that are no longer associated with me, and I request that they be removed promptly. 

The inaccurate addresses that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are outdated and do not reflect my current residency. According to the FCRA, only accurate and verifiable information should be present on my credit report. As such, I am requesting the removal of these addresses to ensure the accuracy and integrity of my credit file. 

The only address that should remain on my credit report is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I have attached proof of residency documents for my current address to support this request. I kindly ask that you investigate this matter and remove the inaccurate addresses from my credit report as soon as possible. 

Under the FCRA, I am entitled to a fair and accurate credit report, and I trust that you will take the necessary steps to rectify this discrepancy. Please provide written confirmation once the incorrect addresses have been removed from my credit report. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (FL)

I reached out to Experian a Third-party reporting agency about fraudulent activity with some unauthorized inquiries that I did not sign for, Every inquiry that is not tied to an account is fraudulent and I did not sign for,. I expressed this to them and asked them to delete these unauthorized inquiries and I haven't heard anything back from them and I know they received my dispute 's because they corrected an issue I was having with some inaccurate Late payments that were being reported incorrectly on my consumer report and both was in the same envelope. 
XXXX XXXX XXXX, I never even heard of them, I never gave written permission to pull or share my private or personal information to any third-party consumer reporting agency, that's identity theft XXXX XXXX XXXXXXXX, I never gave this company written permission to pull or share my private information to any third-party reporting agency thats identity theft XXXX : XX/XX/XXXX, I never heard of this company nor have I given them written permission to pull or share my personal information with any of the third-party consumer agencies thats identity theft EXPERIAN BUSINESS CRED : XX/XX/XXXX, I never gave this company written permission to pull or furnish anything to my consumer report or furnish any personal information to any third-party consumer agencies thats identity theft EXPERIAN BUSINESS CRED : XX/XX/XXXX I never gave this company written permission to pull or furnish any of my personal information which is private and Im do privacy by the law of being a consumer this is identity theft I need these fraudulent unlawful inquiries deleted asap
Consumer complaint received 2024-04-15
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. (IL)

I am writing to once again to dispute certain unauthorized inquiries that continue to appear on my credit report, despite my previous attempts to address this issue. Despite my repeated disputes, the following inquiries remain inaccurately reported. 

I have previously disputed these inquiries and provided evidence to support my claim that they are unauthorized. However, it appears that the inaccuracies persist, which is concerning as these unauthorized inquiries can negatively impact my credit score and financial reputation.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Contacted TransUnion about unauthorized inquiries on my report. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX : {$6100.00}
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Upon review of my consumer reports XXXX  I noticed that there was an account furnished by XXXX XXXX  on my consumer reports. The accounts are being reported to TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to ensure that they receive my notice and respond with a comprehensive reinvestigation. My notices of disputes have been ignored by other companies and that in itself is time consuming having to send an additional letter out. I want the multiple accounts reinvestigated.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

My Best Buy account was compromised on XX/XX/XXXX, XXXX received an email stating that changes were made to my account and a purchase was made the and shipped XXXX XXXX XXXX XXXX XXXX Tx XXXX I have documentation from Best Buy proving this as a result several investigations from Best Buys the order and delivery tracking information was provided to me from the Best Buy, I will include them with this complaint. I did not have access because to my account, all login information and address were changed. I immediately closed the account. After two-years of letters and phone conversation Citibank and Best Buy refuse to resolve this issue. My XXXX XXXX went from excellent to fair, I refuse to pay for something that I never received, and Citibank and Best Buy have sent me proof of fraudulent activity with this issue, all will be included with this complaint. I would like this removed from my credit report immediately and {$220.00} refunded I paid. XXXX purchases were made and delivered the same address XXXX XX/XX/XXXX and XX/XX/year>, Best Buy removed XXXX and the other remained. I will include my driver license and address where I lived for the last XXXX  years.
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/year> I purchased home supplies for {$8000.00}. 
It was on a 24 month no interest promotion. 
I noticed after the second statement that I was being charged interest. I called on XX/XX/XXXX and had the store manager send the revised no interest promotion to the synchrony who manages the card. Synchrony is incredibly unhelpful and unwilling to accommodate or review any issues. 
The store " XXXX XXXX '' has been kind and willing to help but Synchrony seems unwilling to review or make changes. Absolutely worst customer service of any credit company. 
I've now been charged {$1000.00} 's of dollars in interest while they continue to force me to pay.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I received an XXXX XXXX XXXX XXXX in the mail today unsolicited from a company called Netspend XXXX 

I called their " fraud '' line to report fraud & it only allowed me to enter the 16 digit card # to " remove myself from their mailing list & close the card account. '' I am concerned about identity theft and what could have happened if I wasn't home and someone else received this card. 

I thought mailing people unsolicited debit cards was against the law?