davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (DC)

Applied for a new credit card with Citibank back in XX/XX/2022. The promotional terms were if you spent {$4000.00} in XXXX months, you would receive XXXX citi points ( thank-you points ) in your account. 

There was an error in the system, and the card was sent to the wrong address so it was returned to sender. After going back and forth why my card never arrived, they finally figured out the wrong address was in the system. It took several calls to figure what the reason was, as no one would talk to me due to security reasons. A manager finally determined a work-around ( weeks later ) to get access to my account. I even had to pay the annual fee in person at a store since they wouldn't take my payment over the phone due to account security reasons. When the card finally arrived ( two months later after applying ), I only had a few weeks left in that three month window to obtain the promotion. I called customer service and explained that my window was now short, and they assured me to wait it out and when I do hit the threshold, to call back to get the points. I reached the minimum amount a few weeks later and when calling back, I was told I missed the window. I only had the card for a total of six weeks when I reached the minimum spend for the promotion ( which was three months advertised ). When I called customer service back, they said someone should have told me I got a two week extension. To make matters worse, the date that I reached the minimum spend missed their 'extension ' by only a few days. No one told me that when I called initially ; all that was said was to just 'call back when I reach the minimum spend ' and then they should take care of it. No Due to an error in the system for the wrong address, I only had the card six weeks before I reached the minimum spend for the promotion, yet was told they wouldn't honor it. Several mis-communications, frustrations, and mis-informings from the company 's side over a three month period and super unprofessional. The last communication I had was after I closed the account due to my frustrations. I was told that since the account was closed, they wouldn't honor it. Irony is I closed it because I was told there was nothing they could do for me earlier so why have an account open for an unprofessional company? I tried one last time to no avail. 

All of my current and future clients will know to avoid Citibank.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I am being harassed by this company after the case was dismissed in court since XX/XX/2022. I've contacted one of their attorneys XXXX XXXX at XXXX and they are still sending my information to all credit reporting services saying that the case is still open. I have the dismissal letter from the court. 

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-05
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: EQUIFAX, INC. (TN)

As of today, XXXX  and Equifax are still reporting an fraudulent account and inquiries on my credit report, regardless of the fact that I sent in a police report, FTC REPORT as well as all supporting document to support my identity. Equifax has been giving me the run around stating that I need to supply multiple ftc reports with on " 5 '' items on each. much to my dismay, I did exactly as they asked and they are still reporting this fraudulent information. XXXX  keeps doing investigations and verifying this item as accurate. These companies are taking advantage of consumer by reporting this negative information during the worst time ever. I have included documents to support my complaint below.
Consumer complaint received 2022-11-19
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. (MI)

In accordance with the Fair Credit Repprting 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, Bankruptcy # 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 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 2022-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (KS)

Your dispute results are currently not available online Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
Mon - Fri : XXXX to XXXX XXXX XXXX us : ( XXXX ) XXXX
Consumer complaint received 2018-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery on numerous occasions has attempted to collect a debt that was not mine. They have two accounts at their office. They report it for a XXXX card and XXXX XXXX credit card. 

I sent letters in XXXX, XXXX, and XXXX disputing the debt with them and with the credit bureaus, but continued to receive letters in the mail and phone calls. 

I've requested that the accounts with Portfolio Recovery be removed from my credit report because the debt could not be verified.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (PA)

A Cashier 's check ( from XXXX XXXX XXXX ) for an amount of {$990.00} was submitted by me to Ally Bank ( via mobile banking app ) on XXXX. As per bank 's policy, my account was credited with {$990.00} on second business day on XXXX. On this basis, I took out the funds on XXXX evening at XXXX EST and I transferred the money via money order to the scamster. 
Next day on XXXX, bank took out the money back saying that the check was fake. I never received any alert to indicate that it was a fake check. If I would have received an alert on XXXX from the bank, I would have stopped the payment of money order that was done on XXXX. I requested Ally bank to refund me the money because as per me, it was bank 's fault to credit the account and secondly, bank didn't alerted me on time. 
Bank is not agreeing to refunding me the money. Their argument is that bank can take back money even after 10 business days. 

I do not understand that how long a customer should wait in order to be sure that nothing is wrong with the check. I need your help in getting the money back from the bank.
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XXXX XXXX I had an electronic transfer to the credit card company to pay off my balance. I was looking at my credit limit and accidentally quoted them the amount of my credit limit instead of my balance. by the time I realized it, to late. I figured they knew how to take care of it. Well, when they got the money with the extra amount they put the extra amount in like I owed it. Of course at the time I did not know this until I received a letter from them apologizing for the mistake. The letter was dated XXXX XXXX. So, ok, I figured they would fix it. So now on XX/XX/XXXX I get a bill that is charging me {$18.00} in interest. In the time between I also had a XXXX card with the company so I called in and asked if the credit I had could be applied to that second card. That seemed to be ok, so I canceled the original card. I'm older and I would sometimes use the wrong card since I had XXXX separate cards and really needed to par down on my stuff. They tried to get me to combine the accounts but I Only wanted to retain the smaller limit card, they finally accepted that. Sounds like everything is great, until I got that bill. I was so pissed about that {$18.00}, that I called right then, and of course get the recorder guy, waited through all that mess and repeatedly asked for representative. Finally I get a person but he n helpeeds all my information then he still doesn't work out, hard to understand with his deep accent, etc. So now I get a young lady, I'm really Mad by now and she can tell but she is real cool and tells me that the interest charge is computed daily and I am trying to tell her the account was closed and overpaid and the extra money was transferred to another account. She is still saying that the interest charge is from XX/XX/XXXX to XX/XX/XXXX. I'm still trying to tell her the account was paid off, a mistake was made and trying to read her the letter I got and she is saying to me that the interest is computed daily, needless to say she was not trying to help me understand anything and did not even seem to be hearing anything I was saying. Not once did she say, Mam lets see if we can figure this out or maybe a supervisor could help, NOTHING in the way of real customer service. And well, I really lost my temper and told her to cancel my other card and that I was going to complain on a national level and tell every person I know and Meet not to deal with their company.,
Consumer complaint received 2018-03-09
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. (CA)

Experian reporting account that were not mine. Under FCRA, I have sent several letters to request proof of that these accounts are mine, and all they send me is a reply that they are verified. I have sent several letters via certified mail The accounts listed as negative XXXX XXXX XXXX XXXX XXXX XXXX ... 

collections accounts XXXX XXXX They are required under FCRA to provide original documentation and have not provided me with any proof they are my accounts as required under FCRA section 609.
Consumer complaint received 2022-09-15
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. (TX)

hello my name is XXXX XXXX ive recently checked my credit report & found some untheorized credit card accounts and collections & looks like someone has been running my credit because its showing hard inquires from car dealerships. 
which is hindedring me frfom getting approved for my home for my family please look into this matter asap and remove & delete these accounts from my credit report.
Consumer complaint received 2018-11-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

I sent bitcoin  to this account which they closed out. I have emailed them for my money back. I have emailed them in the past with zero response due to the account. 1000s of  complaints online for this company not replying to their customers. 

Coinbase company Transaction : XXXX StatusCompleted ConfirmationsXXXX Address XXXX XXXX   XXXX DateXX/XX/2018 XXXX I want my currency returned back to me. It is valued at over 4500 $!
Consumer complaint received 2018-03-09
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. (FL)

Regarding complaint XXXX, Transunion advised there were able to verify a collection account on my credit report as being accurate via a third party. Their response was sent on XX/XX/18, but I received a letter dated XX/XX/18 from the creditor stating the information was going to be deleted. XXXX XXXX XXXX responded to my complaint and advised they are removing the inaccurate data from my credit files on XX/XX/18. How can Transunion report the data as accurate and updated? I don't understand the logic behind their response or their verifying process.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am requesting that the following information listed removed from my report. This information is inaccurate or no longer in use. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and 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 ) XXXX ( XXXX ) XXXX. 
Please list my name as XXXX XXXX XXXX and my telephone number XXXX this is my current and up to date information.
Consumer complaint received 2020-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), 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. XXXX XXXX the consumer never gave any written instructions to Bank of America on this alleged debt. 


Sample of the letter that I wrote to the credit bureaus. No response from Bank of America Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (TX)

I was on a apartment lease for six months. After my six months came up I had left the apartment and they said I broke the Contract because I didnt give My two months notice. 
Which clearly I didnt know. it was a simple mistake which is money I never own them or didnt pay .. The six-month I was there I paid my rent on time and all that you know it was a apartment lease. The only thing is I dont understand is why they charging XXXX if I didnt own them that money And they still kept my whole deposit didnt get nothing back from that. Receive All this calls daily and just thinking about this gives me a headache which I dont really own them money. I feel this is an abuse from the collectors all they want is your money. Something they tend to do every day is call me. You know that really frustrates me and really annoy me. then sometimes people call And them seem to sound a bit rude and Disrespectful.
Consumer complaint received 2022-11-20
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. (FL)

The three consumer reporting agencies are reporting false and inaccurate information on my credit report. I requested verification and received a response that an investigation was done and that the debts are verified. I never received proof of an investigation which I requested. The debts are still reporting inaccurately The accounts are XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2018-02-17
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: EQUIFAX, INC. (NC)

XX/XX/XXXX at XXXX ; XXXX pm called XXXX XXXX XXXX XXXX to pay off an outstanding charge off that continue to report 90 days late monthly to XXXX, Equifax, and XXXX. I was notified by the representative that this account can not be paid to XXXX because they no longer own the account. I asked when was the account sold and was told back in XXXX. My next question was should this account then be reporting a zero balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, XXXX is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XXXX after it was charged off. After concluding the called XXXX  and spoke to XXXX to initiate a dispute regarding this XXXX account. I stated that XXXX should be reporting a zero balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX  by speaking with XXXX at XXXX pm. Lastly, I initiated a dispute with Equifax at XXXX pm with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the XXXX XXXX XXXX was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a zero balance and sold or transferred to another lender it was. At XXXX pm I contacted XXXX XXXX XXXX XXXX again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that XXXX can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that XXXX XXXX XXXX provided an inaccurate verification of the debt to the XXXX major credit reporting agencies.
Consumer complaint received 2018-11-01
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. (SC)

XXXX  Experian and XXXX XXXX XXXX sent this letter with all the other letters that Ive submitted on this portal. Still XXXX XXXX afforded NO CONTRACTS BEARING MY SIGNATURE obligating me to pay the debts they are reporting. Still has not placed notice of DISPUTE on my XXXX  and XXXX  and Experian file within 30 days violations of the FCRA. The Attached Documents are LEAVING THE DECISION UP TO YOUR BUSINESS to do the right thing and remove this inaccurate and unverified information from my CR. Thank you for your considering my request.
Consumer complaint received 2018-11-01
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. (SC)

XXXX XXXX and Transunion XXXX XXXX  sent this letter with all the other letters that Ive submitted on this portal. Still XXXX XXXX   afforded NO CONTRACTS BEARING MY SIGNATURE obligating me to pay the debts they are reporting. Still has not placed notice of DISPUTE on my XXXX and Transunion and XXXX  file within 30 days violations of the FCRA. The Attached Documents are LEAVING THE DECISION UP TO YOUR BUSINESS to do the right thing and remove this inaccurate and unverified information from my CR. Thank you for your considering my request.