davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (AR)

I received a promotional email from Citi Bank outlining a savings account opening promotion wherein if I opened a Citi XXXX Savings account, deposited {$10000.00} of new-to-Citi funds into the account, and left the funds in the account for 60 consecutive calendar days, I would receive XXXX American AAdvantage Miles 90 calendar days following that 60-day eligibility date. 

The exact terms of the offer from the email are : " The following Terms and Conditions apply to the bonus offer associated with new account opening of the Citi XXXX XXXX  package. If you are an Eligible Customer and complete Required Activities which include opening a Citi XXXX XXXX Savings account in the Citi XXXX XXXX package as first signer, deposit New-to-Citibank funds into your On Deposit Balance within 30 days, and maintain that On Deposit Balance for 60 consecutive calendar days, you can earn up to XXXX AAdvantage bonus miles. '' I deposited {$10000.00} of new-to-Citi funds ( from my XXXX XXXX XXXXXXXX account ) into the account on XX/XX/2021. The funds were in the account until I withdrew a majority of the funds on XX/XX/2021 ( XXXX calendar days after deposit ). My eligibility date for the bonus was XX/XX/2021. Therefore, I met the requirements as outlined in the offer and am entitled to the advertised AAdvantage miles. They should have been credited to my account by XX/XX/2021 ( 90 days after my eligibility date ), but I have received 0 miles!

I have since contacted Citi Bank on 11 occasions to try to resolve this issue and they have continued to lie to me and tell me that they will credit the miles. Yet, I still have not received any miles. I was promised a call-back with an update on multiple occasions as well, and yet, I never received a call-back.

I have also filed tickets with the bank to attempt to get this resolved. The most recent update on the ticket is that the investigator determined I was not eligible for the bonus because funds were not left in the account for the required amount of time. On XX/XX/XXXX, on the XXXX try to get this resolved, a manager informed me that they believed the Investigator had mishandled the case. They agreed that the funds were in the account for the required period of time and they agreed I should have received the miles. Unfortunately, they said no one in customer service is able to make that determination officially and they can not credit the account to resolve the issue.

That manager opened a new case yet again, but I am frustrated that it's been several months and several hours of wasted time trying to get this resolved. As of today, I still have not received the miles I was promised in the promotional email though I met the eligibility requirements.

Citi Bank Reference # s : Reference # ( old number from previous case ) : XXXX New Reference # ( as of XX/XX/2021 XXXX : XXXX
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

Since I opened my new account, someone has hacked my account making or reproducing similar transactions depleting my account. 

XXXX transaction in particular will validate this statement, and many others. 

Someone has illegally wire tapped my home Hacked our internet, computer, and cell phones. Getting into bank accounts and IRS XXXX, child tax credit, and income tax returns. Delaying them since XXXX. I did not receive what I was suppose to receive. 
I believe law enforcement retaliation and the owner of this home I rent are involved in this fraudulent abuse, which includes sheriffs departments, police departments, the management facility XXXX XXXX, and XXXX XXXX who is owner of the home. I believe and have evidence she has accessed my XXXX account for XXXX Florida and is trying to receive that money and have me evicted. That money is suppose to help my children and I.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (UT)

This is the third day in a row where I have not been able to use my Citi Card due to their overzealous fraud department. I have called them and they have said the card would become active and I could use it, only for it to ONCE AGAIN be flagged for fraud ( sometimes on the exact same transaction that they said would be OK to use the card on ). This is unacceptable. Either let me use my card or prepare for a lawsuit as this is verging on discrimination at this point.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Due to years of identity theft this account was impersonated by a scam caller I called me, lied about owning a business and actually had me give my banking info from a fake listing on XXXX for a job opportunity. They then put a false goverment issued falsely printed check into my XXXX XXXX account. I addressed the issue with Capital XXXX bank XXXX Portfolio Recovery XXXX XXXX ON PAPER! XXXX XXXX my XXXX checking account and terminated my XXXX line!! Ridiculous. I explained the situation they still deleted my account, closed my checkings and still after being removed 2 times already between all XXXX buraeus by my use of XXXX law.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WI)

Freedom mortgage continually threatens us that if we do not pay our property taxes and return a paid receipt to them, they will discontinue sending us an escrow check next year. This year they have given us 4 days to turn the paid receipt around to them before we forfeit or right to have a check sent to us next year. They sent us a check for {$6500.00} ( received on XX/XX/XXXX ) and our property tax bill is really {$9300.00}. In the quest to move money around and free up funds to pay the difference, we will not make the XX/XX/XXXX date. On top of this, the property tax bill is not even due until XX/XX/2020. 

How can they do this every year and get away with it?
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I have 3 accounts that only show as medical NA and have the amount needed to pay if I owe it, I contact XXXX and they told me that they did not have enough information to dispute the transaction. they advised I needed to go to every facility where I have received medical treatment in the past and see if the amounts they had were the correct amount to get the original lender. I went and none of the amount submitted are the ones thath are needed here. I contacted XXXX again and they are not assisting me. I also have a dispute for progressive they indicate thath I owe an amount for a car thath I did not have. I told them I could submit a bill of sale indicating the car had been sold and they said that is not going to help. I also called and told them that I had sold the vehicle to cancel the policy and they never did.
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices about {$990.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 


XXXX XXXX : XXXX XXXX, 2019 As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to XXXX XXXX XXXX, also Ive already involved and sent this letter to the CFPB, attorneys XXXX XXXX and the better business bureau and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Consumer complaint received 2019-02-08
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX/ XXXX  XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (FL)

Add a situation back in XXXX to XXXX where I had a XXXX XXXX sonata it was supposed to be renewed tag it was in the same month as my birthday I was pulled over by an XXXX. The day before I had seen my judge he lifted a warrant that was placed on my name for not paying a restitution fee, the story goes deeper and its all a bunch of misconscrewed governmental shagovernmental showcasing around me and my parents lifes. I had had the judge signed the warrant to be lifted he agreed he ended up going on vacation. After my judge left for vacation sigrn the warrant, released me from the courtroom I was driving downtown on a tag that was inspiring the same month it's about 6 days after my birthday The same morning a mom told me to wait towards the end of the month to pay with doing kind of bad financial I'll waited the XXXX I told the XXXX the same thing I told him the warrant was cleared he told me it wasn't just to put me through the situation after reading my background discriminating against me seeing it was a day before XXXX and I'm XXXX also it's also because I realize it's an algorithm against people of XXXX or minority. So I began to notion to the cop to contact my older brother who lived XXXX minutes away from the location to pick up my vehicle but he never did! Another cop was there for eye witness they just want this kind of situation to occur to waist time and another oppotunity to digrace their jobs. So he ended up arresting me repossessed my car after explaining The war was cleared my brother lived right there it was the same month and it was a day before XXXX this discrimination at its finest. XXXX. Down to the decibal. Deficit. Ressession. XXXX. Famine. XXXX is the governs stem. Couldn't find out what my car was being incarcerated is a nightmare After trying to argue your point they just bounced you around from sale to sell whatever hours of whatever night just to be does to be arrogant I was wrongfully arrested now there's a repossession on my credit {$13000.00}. I couldn't find out where my car was at nor have my brother called them he didn't have the information from the cop I want the cops file pulled out of the other cop that was with him file pulled arrested or fired. After being in jail for 45 days I found out that they could only hold my car for 30 days all my belongings we're in there they had to put it for auction it was all against my will I was paying regularly waiting for XXXX and I was approved for XXXX.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

Was not informed of debt until after being placed in the credit bureau asked for verification notice and found inaccuracies. Please provide a copy of payment history and the amount stating I owe along with signature of an agreement. Along with proof of trying to get in touch with me about the debt.Payment history first and last payment received.
Consumer complaint received 2022-01-03
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. (KS)

Please be advised after careful review of my consumer report I have come across the following items on my report. 

XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX Duplicate account XXXX XXXX XXXX XXXX Account number XXXX XXXX ) ( XXXX ) There are multiple inaccuracies regarding the reporting of the said alleged debt. 
These accounts is currently reported as charged-off. 
This account exceeds the XXXX dollar threshold, I was never sent a 1099c which this account qualifies as realized income. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Delete these accounts IMMEDIATELY Failure to respond satisfactorily with the above accounts deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX enclosed is a copy of my ID and proof of address
Consumer complaint received 2022-01-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (OK)

This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2018-04-03
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: Experian Information Solutions Inc. (TX)

ID THEFT! The account listed on my credit report by XXXX XXXX XXXX XXXX is a fraudulent account. XXXX XXXX XXXX is a bankrupt insurance company in California. I do not nor have I ever lived in California. The agent that XXXX XXXX XXXX XXXX says created the policy had his license suspended in Texas for fraud. Attached is my FTC ID theft report! Delete this tradeline off my report!
Consumer complaint received 2022-12-02
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. (PA)

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 U.S.C 1681 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 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 adverse item of information, other than records of convictions of crime 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. Pursuant to 15 U.S.C. 1692 ( G ) section 809 ( B ) I humbly request your agency sends proof of validation made pursuant to the FDCPA laws, please provide the amount claimed owed, an explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor, and confirmation that the account has not crossed the statue of limitations ( XXXX ) period. I would like to inform that the agency has reported invalidated account information, it will be regarded as fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency you represent, then I will be compelled to take legal steps against your agency for the reasons mentioned. Violation of the Fair Credit Reporting Act ( XXXX. ) Violation of the F.D.C.P.A. Defamation of character *Use of my copyrighted property. I will need a minimum of 14 days to investigate this information.
Consumer complaint received 2024-03-19
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 am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Regarding the account with XXXXXXXX XXXX XXXX XXXXXXXX ), I wish to clarify that this account has never been late. The reported late payment is erroneous, as all payments were made on time. Data Furnisher said they were going to update it to open/never late. Please fix ASAP. 

Similarly, concerning the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account, I want to emphasize that this account has never experienced late payments. The reported late payment is inaccurate, as payments were consistently made on time. I kindly request that the late payment markings be updated to accurately reflect my payment history, and the bank said they were going to update it to open/never late. Please update ASAP. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal from my credit report.
Consumer complaint received 2021-08-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (DC)

Upstart has violated the Fair Credit Reporting Act in that they have performed a hard credit pull in violation of 615 ( a ) - 15 U.S.C. 1681m, et. seq., and that the Hard Pull was based upon 619 - 15 U.S.C. 1681q. 

On, XX/XX/2021, I received an email ( after I applied to online solicitation through XXXX XXXX ) from Upstart, congratulating me for their apporval of my online loan request. That email was ambiguous as it informed me that they will perform a hard credit pull which will affect my credit report, However, what the email did not do was inform me as to what the " Disqualifying events '' were, and had it done so, I would not have went into their portal and logged in for them to turn around and deny an application that they initially said was approved. A 'Disqualifying event ' ; if, not disclosed, can mean anything. Further, if a loan was 'approved ' then the application was approved. 

On, XX/XX/2021, I complied with Upstart 's request for me perform the " next step '', which was to log-in.

Two days later, on XX/XX/2021, Upstart sent me an email, informing me that they did not accept my loan application, which was untruthful, given that on XX/XX/XXXX, they informed me that my loan was approved.