davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
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: CITIBANK, N.A. (MO)

after receiving numerous monthly invitations to convert a Citi Simplicity card that I have with the card holder to a Citi Double Cash Rewards card offered by the card holder. whose invitation clearly states no credit inquiry or application required to switch to the new REWARDS card. After going online to the card holders portal it redirected me back to my current held card account once I plugged in the requested information I was immediately congratulated with a New card not a conversion of my old card to the new card. The new card provided a lower credit line than my current card plus it gave a higher interest rate than my current card or even higher than the invitation received? I contacted the card company to inquire about my credit being pulled when the invitation clearly states it would not be pulled or no inquiry made! I was instructed to write a letter disputing the credit pull or inquiry only to receive a letter back one asking for my SS #? Then another letter received stating the credit inquiry was necessary to issue a new card when I again I pointed out there was only suppose to be a conversion of the old card to the new card not a completely new card issued I noted that the interest rate differs from 13.9 to 16.9 on the new card issued from what the invitation states by the card holder Citi. I am perplexed because I did not want a new card simply convert the old card to the double rewards card as the invitation clearly states. Citi Cards Cbna XXXX XXXX  XXXX XXXX XXXX SD XXXX
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 — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I have sent multiple letters to XXXX XXXX as well as the Credit Bureaus and they have both failed to respond to either of my letters. It has been past the required timeframe for them to respond. The Credit bureaus I wrote a letter on XX/XX/2021 and for XXXX XXXX I sent a letter on XX/XX/2021. I am asking them for validation on a Bankruptcy being reported on my credit report. They have failed to respond even to my original letter which was mailed on XX/XX/2021. They are in violation of my rights by not responding. I have reached out to the Bankruptcy courts and they responded letting me know they do not provide my records to the credit bureaus in regards to my bankruptcy. I will attach all letters mailed for verification.
Consumer complaint received 2021-06-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine.
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC (VA)

XX/XX/2024 I dropped off my XXXX XXXXXXXX to be repaired at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. Me and service advisor, XXXX, walked around the XXXX and per the signed inspection form provided by my service advisor no dents was visible, gas was full, no other damaged to interior ( including normal seats, visor, sunroof or handles ) and was informed my vehicle would be ready by XX/XX/2024. 

The initial estimate to repair the vehicle was aound {$5100.00} and when I finally picked up my vehcile on XX/XX/2024 the final cost was over {$9500.00} to repair my vehicle. 

Not only was the cost almost doubled but when I go into my vehicle I noticed the following issues : XXXX. Dust everywhere on the dash XXXX. XXXX XXXX on the steering wheel column XXXX. Greasy fingerprints on my fabric and handle driver side XXXX. Gas was almost empty XXXX. Mileage In per XXXX XXXX Form : XXXX - Photo I took on XXXX had XXXX which would account for the gas being almost empty over XXXX miles driven in XXXX XXXX care XXXX. Dents to my driver side front door, inside plate, door handle ( paint missing ) XXXX. My windshield washer will not pump and clean windshield XXXX. Engine hesitates performance issues XXXX. I texted my service advisor " not to cash check '' and need to meet regarding the issues I had texted him along with my XXXX XXXX XXXX, XXXX, the issues with my vehicle on XX/XX/2024. 

I met with the store manager, XXXX, a couple weeks later to show him the issues and he just waved me off like and walked away stating " we only drove your vehicle XXXX miles ''. 

This is unacceptable practices and I demand satifaction.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Duvera Billing Services, LLC (MI)

The name of the company is called XXXX XXXX XXXX however they show up on my XXXX and XXXX report as DUVERA BILLING SERVICES. THEY ARE REPORTING ON BOTH MY XXXX AND XXXX THAT MY ORIGINAL BALANCE FOR MY LOAN IS XXXX. They are currently reporting that I still owe XXXX and that my last payment was in XXXX. This is deceptive/ incorrect information as I pay them XXXX XXXX monthly and have paid in full as of XXXX, XXXX AND XXXX. $ XXXX. Which means I current owe {$94.00} and this needs to be reflected on both reports immediately. The payments are on autopay every two weeks. This company is very deceptive, unprofessional and shady, Ive asked to speak to supervisors on XX/XX/2022 and was told I can only speak to one supervisor per day. This company has also taken money from my account without my permission and then told me I had to wait 3-5 business days after theyve taken money from me. Please update my credit report correctly.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 2020-03-26
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. (NY)

XXXX XXXX added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XXXX Ive never had a XXXX account. ( at that time another collections company called contract callers had this account. ) which I disputed with all three credit bureaus and contract callers the results from that dispute was the deletion of this erroneous debt. On XX/XX/XXXX I was notified by my XXXX  app that ( XXXX  XXXX ) been re-inserted into my credit file. Also this erroneous debt is being reported on my Transunion credit file under XXXX XXXX  XXXX # XXXX You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. I dont have a signed contract nor any with XXXX XXXX XXXX XXXX XXXX  I have never done business with this company. I am not liable for collection from this debt from XXXX XXXXXXXX. I am not responsible for this debt from XXXX   XXXX & XXXX
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I registered with opt-out pre-screen. I asked for a full opt-out permanent removal from credit solicitations to my address. Amercian Express still continues to send credit card promotions to my address. i attempted to fill out the application and i was asked for all my information and social security and then was denied for the card.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 
15 USC 1681 Section 602.A states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 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 accurate.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I delivered a notice of revocation of any authorization ( s ) I have given Apple Card/ Goldman Sachs Bank to ( i ) obtain credit bureau reports and other information about me from time to time in connection with servicing or collecting my Account, making me aware of products and services related to my Account and for any other purposes. ( ii ) verify my age, social security number, residence and other identifying information with the credit bureaus. ( iii ) Report information about my account to credit bureaus such as late payments, missed payments, or other defaults on my account which may be reflected in my credit bureau report. Under 15 U.S. Code 1681b- Permissible Purposes of consumer reports ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Apple Card or any of its non-affiliates ( XXXX, XXXX, XXXX ) have my consent or authorization to furnish a credit report without my consent. Any delinquent items reporting on my account shall be removed immediately. This includes all late payments in my consumer report under my account with Apple Card/Goldman Sachs Bank . If Apple continues to report any unauthorized information about me to the credit bureaus, they will be doing so unlawfully and won't be in compliance with the Privacy Act of 1974. I have withdrawn all authorizations that I have given to the company to furnish and consumer report and this also applied to the credit reporting agencies.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

I have mutiple diagnoses, which are documented by numerous work comp physicians.and the XXXX of Arizona and the Arizona XXXX XXXX. MY HUSBAND IS A PRACTICING XXXX. Also, sustained permanent LIFE XXXX injuries. I also have XXXX XXXX Court Police documents that are prove of attacks by drug dealers on the premises at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona. 
When I received a phone call from XXXX XXXX I was under the care of my physicans and was unable to proceed. I informed the mediator XXXX XXXX XXXX and XXXX XXXX on the document I POSESS IT CLEARLY STATES THAT I CAN SEND CORRESPONDENCE TO THEIR ATTENTION NOTING THE ABOVE NAMED CASE NUMBER AND WE WILL REOPEN THE FILE. MY HEALTH XXXX XXXX /XXXX  AND THE XXXX DID NOT ALLOW ME TO FOCUS ON WELLS FARGO FRAUULENT CASE. I WAS UNDER THE CARE OF XXXX XXXX XXXX FOR XXXX AND CONTEMPT ORDERS OF THE JUDGE AND DEFENDING ARIZONA CASE ATTORNEY. MY LIFE WAS MY PRIORITY! WELLS FARGO WAS NOT MY PRIORITY. MY HUSBAND WILL TESTIFY. 

WELLS FARGO XXXX  XXXX XXXX, OR XXXX IS RESPONSIBLE FOR THE ADDTIONAL XXXX  TO MY BRAIN AND BODY WAS RESPONSIBLE FOR ADDITIONAL XXXX TO MY ATTEMPTED XXXX CASE. MY PATIENT DIED IN THE ATTACK. I have a DIAGNOSIS OF XXXX. THE CONTINUAL ADDED STRESS FROM WELLS FARGO CAUSES ADDITIONAL DAMAGE TO MY BRAIN. 
PLEASE TAKE THIS IN ACCOUNT, BECAUSE XXXX XXXX WILL BE ACCOUNTABLE FOR ABANDOMENT AND DESERTION. NEW YORK STATED HE WAS THERE AT THE OFFICE AND NEVER RETURNED MY CALLS. HE HAS DISAPPEARED. 
WELLS FARGO HAS INCREASDED THE INJURIES I SUSTAINED IN BOTH LAW COURT CASES. IF THIS ABUSE CONTINUES I WILL SUPPLY MY COURT DOCUMENTS WITH SOMEONE WHO WILL SUPPORT THE CRIMINAL ACTIVITY USED AGAINST ME. 
THERE WAS A COURT ORDERED AWARD AND I WILL PURSUE REPORTING TO DISABILITY COURTS. 
THIS WILL BE THE LAST INJUSTICE THAT WELLS WILL DO TO ME. 
ALSO, I SUSTAINED INJURIES XXXX 2022.ON A CLINICAL SITE FROM A DISABLED MINOR. WELLS FARGO IS INCABLE OF RESOLVING MY DISPUTES CREATING MORE XXXX TO MY UNRESOLVED CASE OF 4 YEARS. I DO HAVE INCREASED BODILY INJURIES AND THE PI ATTORNEY IS TAKING MY CASE. 
DO I NEED TO REPORT WELLS FARGO ACTIVITY TO THIS PI ATTORNEY? 
I DID NOT NEED MORE STRESS FROM WELLS FARGO. SOMEDAY A LOVED ONE MAY NEED MEDICAL CARE... .REMEMBER YOUR INVOLMENT IN MY CASE.