davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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. (CT)

I was applying for a XXXX XXXX XXXX Credit Card XXXX The promotion from the XXXX XXXX website and was for XXXX bonus miles after spending {$2500.00} on the card over the first three months. When I received the card, it said that I was only granted XXXX bonus miles. I had many conversations with Citibank and they told me to send a letter with the original offer so it would be resolved. I received a letter dated XX/XX/2022 that I was not eligible to receive the offer because " the offer to receive XXXX bonus miles was not solicited directly to '' me. Why would they be advertising the XXXX bonus miles all over the internet if it was only eligible to those that were directly solicited, that makes no sense and if that is the case, it is extremely deceptive marketing. I called Citibank on XX/XX/XXXX to resolve this and they directed me to the small print on the offer that reads, " Your eligibility for a particular product and service is subject to a final determination by Citibank ''. This was the explanation, that since I wasn't directly solicited, this catch-all language meant that Citibank was able to change their offer to only XXXX bonus miles. This is not acceptable to me. I have excellent credit and there is no reason why I should not have received this widely promoted offer. Thank you for your help
Consumer complaint received 2018-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (FL)

Advcollbur - Advanced Collection Bureau is reporting a debt owed of {$2400.00} on my XXXX  credit report they are reporting inaccurate hold no validation of proof for this debt being my responsibility information and have yet to remove the inaccurate information as agreed
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a new Credit card with Capital One on XX/XX/2021. I have made my first payment over the amount due. I'm in the process of building my credit. I was informed by Capital one that it will be reported with all three credit bureaus three business day 's after the billing statement which is the XXXX or XXXX day each month. However it has been almost three weeks and my new credit card has not been reported to the three credit bureaus at all. I'm requesting Capital One to report my new credit card account.
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (NC)

Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove unauthorized inquiries on my credit report and they have yet to remove it. There are also inquires that I DID NOT AUTHORIZE on my credit report and Equifax has FAILED to provide me any sort of documentation to prove that I indeed authorized it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of XXXX  about this matter if it continues to not get resolved. I am starting with the CFPB to see if this will get resolved first. If it doesn't then I will take it as far as I have to until it is resolved. EQUIFAX is clearly breaking the law and don't give a XXXX! I am a retired XXXX XXXX Veteran and I feel extremely disrespected by Equifax. I have many veterans who feel the same way. If this doesn't get resolved ASAP then I will be contacting an attorney to move forward with a lawsuit. 

Dates:XX/XX/XXXX - XX/XX/2021 Actions Taken by Me : Sent 4 dispute letters to Equifax by Certified Mail.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

I keep getting both XXXX  and XXXX  weekly from USBank saying that XXXX XXXX tried to charge my account and it was declined. 
I have never had a XXXX XXXXt, and USBANK was the ones who illegally and unethically terminated my Bank Account XXXX  years ago because my wife followed their directions to the letter causing my credit to tank, and almost starving us to death, which made the pandemic a living XXXX for us, of which we have yet to recover and in fact are now going to need to declare bankruptcy. 
Ive told USBANK this is fraud XXXX  times with out responses. Not surprising because of their horrible ethics.
Consumer complaint received 2018-08-26
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. (CA)

I spoked with customer service from Experian about inquires on my credit report witch i have knowledge of i asked them to remove them and they denied helping me and also addresses that ive never lived in aswell as phone numbers
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had my personal information compromised over a year ago. I have account and address that are not mine showing on my credit report. Please delete the following adresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My XXXX XXXX XXXX The following phone numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following account is not mine as well XXXX XXXX XXXX XXXX # XXXX I never had a XXXX XXXX XXXX  account. please delete ASAP
Consumer complaint received 2018-08-26
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 — Problem with personal statement of dispute
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I have a serious problem with anything that has been posted to my credit, pertaining to Newly Opened account from XX/XX/XXXX until XX/XX/XXXX as I was incarcerated in XXXX County Sheriff 's Department. That being said there is more than one company that is showing up for a collection in that time frame. But it is all public record my friend. You can verify for yourself by calling the XXXX County Sheriff Department. And by law if a man/woman is incarcerated then there shall not be a line of credit given.
Consumer complaint received 2023-03-24
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: AES/PHEAA (FL)

I received a letter from the Federal Education Director saying that my loan was being President Biden paused student Loan Payments until XXXX or until a decision is made by the Supreme Court. I work for a nonprofit. My loan servicer American Educational Service ( AES ) ignored the approved pause by the president and reported my student loan as severely delinquent to all three credit bureaus. I immediately sent AES a copy of the letter I received from the Department of Education and they just ignored it as they did the President 's pause. 
As a result, my credit score has dropped XXXX points, and my banks and other financial accounts have increased the cost of doing business and interest on my account. 
Even though it is a hardship, I paid two additional payments to the account. To try to avoid this financial train wreck ' until I can find an attorney to address the detrimental effect on my financial reputation Their blatant disregard has had detrimental to my livelihood. 
Please help me with direction on this.
Consumer complaint received 2020-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

First off I have 2 other complaints pending as of XXXX XXXX this is my third after trying to speak with someone all last week about this issue none has called me back and now not only have they taken the overdraft balance {$370.00} they took {$400.00} that is $ XXXXover So this is my third complaint about the same issue thank you
Consumer complaint received 2018-08-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (KS)

This is concerning a car accident that occured when a mechanic working on my car test drove it without my permission. I was deemed not liable due to not driving or even being present at the time of the accident. National Commercial services has been calling me with recorded messages and have recently began to send notifications by mail. I have sent them XXXX cease and desist letters via certified mail and they still contact me.The accident occured on XX/XX/XXXX of 2016.They are attempting to collect 13,000 dollars from me that I do not owe and have been deemed not liable for by my insurance company.The liable party is the mechanic who was driving the car who has not been responsive.
Consumer complaint received 2022-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MA)

The issue is actually on XX/XX/XXXX, I was approved after I applied-to the Mass Homeowners Assistance Fund . They emailed the approval letter to myself AND the mortgage co. They reviewed they were going to pay an amount THEY chose of {$92000.00}. They reviewed also that the delay ( since the approval was in XXXX ) was that they were ( they sent this in letters to me, by the way ) that they were trying to get the PAYMENT to the mortgage company. Then, XX/XX/XXXX, I received a notification I was DENIED. The foreclosure was occurring on XX/XX/XXXX. To go through all those months with an approval, and then it completely CHANGE to a denial-with a looming foreclosure-is unethical. 
In addition, my husband from XXXXsuffered multiple XXXX. He can barely walk and talk. To me, this is even MORE horrific because of the deception and untruths from the HAF program. 
I did nothing wrong-and the treatment from a GOVERNMENT SANCTIONED AGENCY-is deplorable. And unfair.
Consumer complaint received 2020-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

VISA CHECKCARD OR prepaid digital wallet access to my SOLE account at bank of America XXXX XXXX XXXX XXXX  XXXX VA THRU VISA CARDS OF SOME TYPE ongoing from XXXX. 
I OBTAINED THE VISA card used the LAST 4 DIGITS USED ON reservations made on my name in XXXX and XXXX from XXXX XXXX XXXX XXXX Florida.records attached and stating Visa Card numbers used XXXX and XXXX ... Boa XXXX extensive reviews attached XX/XX/XXXX record 2 cards issued to me as Visa. 
XXXX XX/XX/XXXX to present And XXXX used for 30 days temporary XX/XX/XXXX card issued and then closed XXXX due to received my XXXX card number I wanted to keep. 
These VISA cards DEDUCTED THE MONEY OUT OF MY SOLE ACCOUNT XXXX BUT THE LAST 4 DIGITS DO NOT MATCH WITH THE NUMBETS ON MY BANK STATEMENT recorded on my boa sole account statements as those visa numbers..why???
Consumer complaint received 2018-08-24
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. (CA)

On XX/XX/XXXXa was given an option to settle the account off by XX/XX/2018in the amount of XXXX by agency who collects the money for XXXX  XXXX ( XXXX outsources ) so I paid the settlement before the set date on XX/XX/2018 in the amount specified. I have Proof of the option to settle by them I have proof that I pay them, and I have an email from XXXX XXXX that I have a XXXX balance. Now their still reporting to the credit bureau that I have an open balance of XXXX  when it should say that the balance was settled in full and have a XXXX balance. I have all document that proof everything I stated.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (NY)

THIS COMPANY HAS CONTACTED ME IN REGARDS TO XXXX I DO NOT OWE XXXX AND THEY HAVE BEEN HARASSING ME AND HAVE REPORTED TO CREDIT BUREAU TO MESS UP MY CREDIT WAYPOINT RESOURCE GR XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I am requesting that the following account be verified or removed immediately. 

Federal District Date Filed XX/XX/2016 Type Bankruptcy chapter XXXX-discharged Reference XXXX Plaintiff
Consumer complaint received 2018-05-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requested a credit investigation on XX/XX/2018. The credit bureaus are supposed to respond within 30 days, but so far I have not received a response from Trans Union or XXXX.
Consumer complaint received 2018-04-16
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: Nicholas Financial Inc. (FL)

I have tried three times to get the payment lates on my account removed however instead of investing each time all they do is change info on late and not remove. I have submitted two different investigations and neither are correct there for all the agency is doing is guessing and submitting to credit bureaus
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp. (CA)

I HAVE NEVER RECEIVED ANY DOCUMENTATION TO VALIDATE THIS DEBT FROM ABSOLUTE RESOLUTIONS COLLECTIONS REGARDING A CREDIT CARD ACCOUNT FROM XXXX XXXX  FOR THE AMOUNT OF {$21000.00}. 

HOWEVER, ON XX/XX/2021, ABSOLUTE RESOLUTIONS REPORTED A DEROGATORY MARK AS COLLECTIONS ON MY CREDIT REPORT WITH ALL THE CREDIT BUREAUS INCLUDING XXXX, XXXX, AND XXXX. 

I WANT ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Neon Newco Corporation (FL)

On XX/XX/2018 my purse was stolen and someone used my NetSpend card and I didn't give them authorization to use my card I contact NetSpend and filed a dispute and explain the situation and my card being stolen NetSpend have not tryd to give me my money back and it's not fair I'm a single mother of XXXX lil girl which XXXX is XXXX and I need my card I filed a dispute for {$580.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another transaction for {$62.00} was ATM withdraw at XXXX XXXX XXXX XXXX I didn't give anyone authorization to use my card I called NetSpend they is stating there is nothing they can do about it please help me
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (CA)

On XXXX a was given an option to settle the account off by XX/XX/2018 in the amount of XXXX by agency who collects the money for XXXX  XXXX ( XXXX XXXX ) so I paid the settlement before the set date on XX/XX/2018 in the amount specified. I have Proof of the option to settle by them I have proof that I pay them, and I have an email from XXXX XXXX that I have a XXXX balance. Now their still reporting to the credit bureau that I have an open balance of XXXX when it should say that the balance was settled in full and have a XXXX balance. I have all document that proof everything I stated.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

I paid {$7200.00} for a XXXX  XXXX fee which included {$2100.00} for post operative care. 

I had the XXXX on XX/XX/22 and needed urgent post operative care on XX/XX/22. However the doctors phone was dead and his answering service was unable to reach him. The Doctor failed to have a back up doctor on call in case of his absence. 

Therefore, I had to seek post operative care at the emergency room and was billed by the emergency room accordingly. Therefore, I paid {$2100.00} upfront for post operative services the doctor did not provide and requested a chargeback on such amount. 

The Doctor is blowing smoke screens saying I signed the terms and conditions for the XXXX and accepted the risk of complications. I do not disagree, however these points were not the issue of my charge back. My chargeback is centered on the Doctor not providing timely and reasonable care to address such complications and failing to provide adequate post operative care which was paid for but not received. 

XXXX seem to have a difficult time understanding such.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I had opened a XXXX XXXX checking account I then applied for a XXXX XXXX American express platinum card and I was approved so after a few days XXXX XXXX notified me they closed my account. because I didn't meet their guidelines ( its because i have a medical collection account that isn't mine ) but anyways a few weeks later American express notified me if I didn't open an account they would close my American express card on XX/XX/XXXX ( see attach letter ) I understand I used the card, but to charge me the yearly fee of {$550.00} for a card I only had for a few months is ridiculous especially beacuse american express is forcing me to close the account I feel like American Express is Robbing me charging me the yearly fee and then taking away the card.