davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-11
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. (CA)

Citibank has already responded to my previous CFPB complaint stating that they are not responsible for what happens to my XXXX XXXX miles. The other day I received an email from XXXX XXXX that stated my XXXX XXXX frequent flier account was closed because of the following " if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. '' I am refuting this information because every single credit card I applied for did not have this 48-month language nor did it have any information at the top of the application page that would stipulate not being able to get a bonus ( screenshot/pdf are provided ). 
XXXX XXXX has directly put the blame on Citibank. I have tried every single possible resolution I can think of, and I have attached that documentation of all correspondence I have tried to make with every government agency I could think of. 
I am at the very last stage before I submit a demand letter. 

The attached documents will clearly outline the situation. I believe that Citibank and XXXX XXXX worked in cahoots with each other in order to shut down accounts that were not profitable to them. 

Every single credit card I applied for was vetted and approved by Citibank. I put in all my information, social, address name, etc. None of the applications had any language about 48-months or anything about already receiving a bonus. 

I received the bonuses for all credit cards opened for XXXX XXXX Platinum cards from Citibank because I was in line with the terms and conditions, they did not state anything about getting multiple bonuses nor a timeframe in which it could be done. 

I have attached multiple examples of the Citibank XXXX  XXXX offer that does not have the terms and conditions at the top of the application page. Along with an application I saved as a PDF, that clearly doesn't say anything about 48-months or any restrictive terms. 

Documents XXXX is a reply from XXXX XXXX  blaming Citibanks 48-months. 
AA-timeline is how I've tried to fix this. 
XXXX is an application page without any terms. 
The XXXX is the top of an application page to match the XXXX terms. 
The XXXX are application pages ( top ) without any restrictive 48-month language. 
AA-mailer_TOC - show that there is no restrictive bonus sign-up language. 
AA-valuation-miles : It states " Five ( 5 ) First Prizes : XXXX AAdvantage miles will be awarded to the winner 's account. First Prize ARV : {$1900.00}. '' This is how I came up with the valuation of miles at XXXX cents per mile, based off of AA 's valuation of them ( for tax purposes )
Consumer complaint received 2022-03-21
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. (GA)

Please HELP! 

I have been trying to reach someone at XXXX for a month now. I have send certified mail with a return confirmation receipt and yet to receive it. I have asked where did they get my public information from they have yet to provide me with a response. I have mailed them a letter from the courts stating that the US Bankruptcy court does not report to the credit bureau. I have mailed them a letter stating that I never gave them any consent to report any of my information and yet to receive any help. To report a item on a consumer credit report you have to have consent. XXXX has yet to provide me with any type of documentation where I authorize my concern to report anything to the XXXX major credit bureau. It really unlawful how they continue to report a public record that I never gave them permission to do so.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

Date of Fraudulent Activity : XX/XX/2019 Amount : {$6600.00} Locations : 1 - XXXX XXXX  XXXX XXXX XXXX Promo Purchase - XXXX, GA 2 - XXXX XXXX  XXXX XXXX XXXX Promo Purchase - XXXX, GA Actions Taken : 1.  Called the company informed them of the fraud. 
2. Created a report to FTC for Identity Theft 3. Submitted a request to the 3 Credit Bureaus alerting them of the fraudulent activity 4. Filed a police report 5. Reached out to a Lawyer for legal council 6. Sent XXXX a Notice for Furnishings ( no response ) - XX/XX/2019 6. Called XXXX to request the account number for the fraudulent account because the police say it's required to submit a subpoena for information used to create the account. 
However, XXXX would not provide me with this information so they can not subpoena for the information and I can not file lawsuit against the person that is using my identity to open fraudulent accounts. 
I'm stuck in a catch 22. XXXX will not give me the account number. The police can not subpoena information without it ( they have tried and it gets sent back stating the account number is needed ). 
-- -Special Note : XXXX did close the fraudulent account and reach out to the credit bureaus to have it removed from my report. However, I still have the inquiries on my credit. They stated it may take some time. -- -
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

There was a legal order that honored by Bank of America from a XXXX XXXX XXXX that was not a legal document that was signed by any court ( Federal court, State of Indiana- XXXX XXXX, Bank of America-State of Michigan , Bank of America Corporate - Florida ).  Thus far Bank of America has refunded back {$33.00}, {$91.00}, and {$270.00} out of the original XXXX that was requested. Bank of America is now indicating that they have not received an official notice from XXXX XXXX indicating to refund me back the last amount that was in question for XXXX. Originally I was told there was a tax issue with the Indiana Department of Revenue - no tax debt found by them. XXXX XXXX XXXX when called had no identifiable information regarding a debt owed to them. Bank of America Legal Department has only given me a document with my name and ssn on it. Bank of America originally stated this was based on my Indiana Drivers License. This number was never annotated on the document they provided. The documents can be resubmitted if needed for further investigation. There is no other organization listed. I would like my XXXX refunded back into my account for a fictions document that accepted and debit my account.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2023-05-17
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: LJ Ross Associates (NY)

I'm a resident of XXXX, NY- and a Notary. To hold the Public Office I must reside in NY, I've attached my Notary Certificate. Look at any bank statement or credit history and you can see everything happens in or around XXXX, NY. I called and said the debt was not mine. I'd like this removed from my credit score and there are already 2 investigations by XXXX and XXXX I've started, but this will take up to 30 days. I'd like this resolved faster because my rights have been violated. I never was given an opportunity to dispute the debt before sending to collections, even though I contacted the Company. This also ruined my perfect credit score with 100 % payments on-time for 20+ years. The collection agency never contacted me ( L.J. Ross ), I contacted them after they hit my credit score by over 40 points without verifying the debt, and even admitted they made a mistake when I spoke to a manager. They said they called me 4 times after I left them a voice mail and instructed them to call my cell phone number. The manager I called on XX/XX/23 admitted the notices were mailed to the wrong address, and the calls were made to the wrong number even though I provided the correct number in my voice mail. He admitted the fraudulent number was contact area code XXXX XXXX XXXX even though I said to call my number area code XXXX XXXX XXXX He ever said he would talk to the employee about this issue and reprimand them. Proof again I never was given an opportunity to validate the debt- the Manager admitted things were not done right and I was a victim. He also said he could tell this was fraud but could not do anything without XXXX 's permission. I'd like to share this as negligence and violations of the fair credit/report act. Also the people I talked to before management at L.J. Ross were very rude and I'd like an apology from that Company, the Manager/Supervisor at L.J. Ross was very arrogant XXXX was negligent in multiple ways.
Consumer complaint received 2022-03-21
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. (IL)

On XX/XX/2022, I sent Transunion a letter requesting that they disclose the method used to retrieve/verify an alleged bankruptcy on my credit report. This was not a dispute but a request to verify the method ; however, Transunion initiated a dispute for this item. 

On XX/XX/2022, Transunion responded noting that the name and person used to verify the bankruptcy was XXXX XXXX XXXX Illinois. 

On XX/XX/2022, I responded to Transunion noting that I went directly to the Bankruptcy Court and in response to my inquiry they claim to have never verified this item with Transunion as they do not report or verify such information. This would mean this bankruptcy is by law considered UNVERIFIED. 

On XX/XX/2022, Transunion responded stating that they've completed the investigation and the dispute item is verified as accurate. 

Transunion has failed to disclose the method used to verify the alleged bankruptcy considering the courts do not verify this information.
Consumer complaint received 2022-03-21
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. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MA)

Made a dispute with XXXX on XX/XX/XXXX regarding an unapplied payment made for XX/XX/XXXX on XX/XX/XXXX against the advice of NEWREZ-SHELLPOINT XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX due to company doing an " accounting '' of my account. By law a lender must apply any payments received NEWREZ did not apply the payment which l received back a closing since l sold the property to get rid of NEWREZ due to the problems that l had with them since XX/XX/XXXX which they charged me lender insurance when l had homeowners insurance through XXXX XXXX for years before this company took over my loan which was sold to NEWREZ. l have made over 40 phone calls to NEWREZ asked for accounting of my account and XXXX " investigations ''. I have never received a call or any letters from NEWREZ. l am XXXX and am on additional medication for XXXX XXXX XXXX XXXX XXXX XXXX due to the months of stress. I made a payment and NEWREZ never applied it and XXXX is showing maximum delinquency which is incorrect. l did my part of making a payment the most the XXXX should show is 30 day late payment however there should be no delinquency since NEWREZ advised me not to make a payment. The property closed on XX/XX/XXXX and NEWREZ was paid off. All they did was lie to me they never contacted an accounting or any investigation of any kind, l was told they were cancelled right after l requested it.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (AR)

On XX/XX/XXXX I received a phone call from a collection agency stating they now own a debt that was once owned by Bureaus Investment Group Portfolio No 15 LLC on an account opened XX/XX/XXXX. The company that contacted me was XXXX XXXX. During this phone call, I told the representative I was unaware of this debt being sold and asked them to send me a verification of debt. A verification of debt letter was written and sent to them later that afternoon asking for specific information. XXXX responded with a copy of statments from XXXX XXXX. Though this is part of the information requested, it wasn't all of the information requested to prove the debt. In my letter I requested information in occordinance to information provided to me from the Consumer Financial Proctetion Bureau including topics : Why they think I owe the debt, The amount and age of the debt and their athority to collect this debt. I reside in Arkansas and under the laws in Arkansas any debt collector who is attempting to collect a dept must hold a license in Arkansas, neither of the listed companies above hold that or have not provided any proof that they hold athority to infact collect on this debt. Thursday, XX/XX/XXXX will be 30 days since I have requested this information and have not had any contact from them regarding this issue. Also, The Bureaus Investment Group still reports to my credit as owning the debt, when they infact sold it to a new company.
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint regarding a persisting issue with Experian 's credit reporting services. Specifically, despite the resolution and closure of a previously reported collection account, Experian has failed to remove this item from my credit report. 

The collection in question, valued at {$380.00}, was paid in full and closed as of XX/XX/2023. Subsequent to the payment, I have diligently corresponded with Experian through multiple letters providing evidence of payment and closure of the mentioned collection account. Regrettably, these communications and documented proofs have been disregarded, leading to an inaccurate representation of my credit profile. 

The adverse impact stemming from this erroneous reporting has been substantial. It has significantly hindered my ability to pursue essential financial endeavors, such as securing a mortgage for a home purchase. Furthermore, the unjustified retention of this resolved collection has unduly lowered my creditworthiness, impeding various financial opportunities. 

I implore Experian to expeditiously rectify this error by removing the aforementioned collection item from my credit report. The persistence of this inaccurate information has not only caused undue inconvenience but has also resulted in tangible repercussions that detrimentally affect my financial standing and opportunities.
Consumer complaint received 2020-03-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

I have transferred money to XXXX on XX/XX/XXXX but the money has not been transferred to my XXXX account and requested to cancel the transaction and they told they cancelled but they are not releasing the money back. If dollar rate is increasing then WU is  holding our money and converting it to higher XXXX rate. This is really disappointed
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OH)

I opened the account on XX/XX/XXXX with the promise of a bonus of {$500.00} if I deposited XXXX dollars within 30 days and left the money in the account for at least 90 days. The XXXX went into my account on XX/XX/XXXX. In XXXX Citi sent me a bunch of wierd papers for me to fill out. Papers that I have never had to fill out for a checking account ever before. I called and asked why and the associate told me it was mistake on their end and that my account was good and I would recieve the bonus. They apologized to me profusely. I was expecteding to see the bonus in early XXXX and when it didn't appear, I called Citi and was told I needed to fill out a XXXX. I sent them a XXXX but they sent back correspondence saying it was altered and they needed another XXXX. They also included a XXXX form which clearly states that if I am a US citizen , do not fill out that form. Still no bonus.I called again and they told me again to send a XXXX. Rather than argue with them I sent another XXXX. I called again on XX/XX/XXXX and was told they would open an investigation and I would get the results in 5 business days. After those days went by, I called again and asked what the results of Case # XXXX were and was told it may take 10 days. It is now been 16 days and the bonus has still not been credited to my account. This bonus should have been in my account months ago and I just keep getting the same run around. Please help me.
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MI)

XX/XX/XXXX - XXXX  Credit Report Number : XXXX Inquiries from Midland Credit Management. XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. My Personal Information, i.e. my name Identification Number, Social Security Number and Addresses Identification Numbers, Type of Address, Geographical Codes. 
XX/XX/XXXX - XXXX  Credit Report Number : XXXX Inquiries, Consumer Reports, XXXX XXXX XXXX. My Personal Information, i. e. My Names Identification, my Identification Numbers, my Addresses, Type of family, Geographical Codes. One wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Type : single family Code : XXXX Address ID # XXXX with last 4 digit of zip code not my last 4 digit of my zip code. 

When I XXXX  the address it is a piece of land that I am being charged for on my XXXX XXXX County Property Taxes after A judge ordered XXXX Property Taxes Exempt to {$0.00} owed. 

XX/XX/XXXX a default Request, Affidavit, Entry, and Judgement ( Sum Certain ) 43rd State of Michigan Judicial District Judicial Circuit Court Plaintiff 's Name and address Midland Funding, LLC a.k.a Midland Credit Management, third party Withholding Unit Michigan Department of Treasury, XXXX Michigan - This was a case of Identity Theft that I have reported previously with your establishment for seeking to garnish my Homestead State Income Taxes return. XX/XX/XXXX court and Plaintiff Garnishee Disclosure from court SAME AS ABOVE for indebted for non-periodic payment. XX/XX/XXXX Writ of Garnishment from Plaintiff and 3rd party XXXX. My XXXX Michigan Homestead Taxes were garnished for XXXX and XXXX Michigan Homestead Taxes and Levied Taxes in XXXX return. I am a XXXX, XXXX Senior Citizen living on a below Federal Income Guideline and my home at the address XXXX XXXX XXXX XXXX, XXXX XXXX MI has been in foreclosure each year from my Homestead Property Taxes Return being taken from me because of Identity Theft and Fraudulent Activities since XXXX. I have received foreclosures since XXXX and XX/XX/XXXX, threatening to make me homeless and pay XXXX XXXX XXXX Taxes which I was told are controlled and managed by the XXXX County Treasure 's Office making continuous monthly payments on time and date of agreement. DHHS have agreed to assist in payments, however payment has not been received to date. I am waiting and thank you in advance for your investigation and resolutions in my favor.