davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (ID)

I opened a Citigold checking account in XXXX XXXX using promo code XXXX which offered a bonus of XXXX AAdvantage miles which would be posted to my AAdvantage account within 90 days of meeting the following requirements : " Within 60 days of account opening complete debit card purchases of {$1000.00} using the Citibank debit card which must be posted to the new checking account. And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' The offer code was accepted but I thought it was odd that I was never asked for my AAdvantage account number so I immediately opened a chat window on Citi 's. The bank 's representative informed me not only that I had signed up for the correct promotion, but also that it was " targeted '' to me. 
On XXXX/XXXX/XXXX after meeting the bonus requirements, I opened a chat window again in which a bank representative confirmed that I indeed had met the requirements and the XXXX miles would be posted to my AAdvantage account in 90 days. A copy of both conversations are attached. 
After 90 days came and went, I called Citi to find out the status of the bonus and the rep told me she would open an " investigation '' and the results would be sent to me in a few days time. Upon completion of the investigation, I received the attached letter informing me that there was not an AAdvantage Miles promotion offered in conjunction with the opening of my account. In a follow up phone call, I was transferred to a supervisor who told me that I was never " targeted '' for the offer, despite what I had been told by two of the bank 's representatives. 
If for some reason I was not eligible for the promotion, I should have been informed upon account opening. Not wanting to close the account before I received the miles, I have since been charged {$120.00} in service fees. I am requesting that Citibank credit my AAdvantage account with the promised XXXX miles as well as refunding the service fees caused by their delay in processing the bonus. Thank you for your assistance.
Consumer complaint received 2015-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

XXXX bill from 2004, hurricanes blew XXXX towers down here in XXXX Florida, no service, had to change companies. This debt is 11 years old and should be long gone, this collection company keeps '' renewing '' the debt and claiming it is new. 11 years old!!!
Consumer complaint received 2016-01-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MN)

My wife and I have been receiving calls from a company claiming that we have an outstanding medical bill. They said they can take payment over the phone and that a form of payment has been mailed to us. We called the doctors because we were/are not aware of any outstanding medical bills. The doctors office told us that they do not even use a collection agency and that our account is up to date and paid for. The calls from the " debt collector '' will not stop
Consumer complaint received 2022-02-11
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. (VA)

XXXX XXXX XXXX is reporting a missed payment for XX/XX/2021. On XX/XX/XXXX, customer service rep XXXX XXXX processed a payment for my loan account, but he accidentally entered the wrong amount reach resulted in my account being marked as delinquent. 

When I learned of this I spoke to Communications Center Manager XXXX XXXX on XX/XX/XXXX concerning my account. See attachment.
Consumer complaint received 2021-06-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : CAPTIAL ONE Account # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. 

If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (CA)

PayPal received an overpayment from my personal bank, in which I requested a refund, and a check was sent to me in the amount of {$200.00}. I never received the check. However the check was cashed by a XXXX party that I do not even know. Now, I am being advised by PayPal I must file a complaint with the XXXX XXXX XXXX that cashed the check. However, XXXX XXXX XXXX says because I am not their client, in which PayPal is their client, PayPal must complete the fraudulent activity. PayPal refuses to file the complaint, or send me my {$200.00}.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

Home Depot is reporting a 30 and 60 day late payment for the corresponding months of XXXX and XXXX 2015. What happened was that I have this account on auto pay from my bank ( XXXX ) and they neglected to make the payments and was told that it was due to a processing error. I spoke to Home Depot and they did credit me the late fees for both months, however they did not reverse the late payment reporting to the bureaus, which is why I am writing to you today to seek your assistance in this matter since its affecting my credit score.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (OH)

We paid it off in XX/XX/XXXX through another bank. They keep saying they did n't get the proof! Our bank and ourselves sent info. Received letter from them, again, saying they are going to redebit our account and consider it out standing.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2022-02-11
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: OPORTUN FINANCIAL CORPORATION (TX)

I am a federally protected consumer and I am aware that this company OPORTUN, Is in violation of my rights as well as FCRA. This company is furnishing consumer reports without my direct consent as well as reporting experiences and transactional history which is to be excluded from reports. This company is a VIOLATOR and I may never do business with them ever again!
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NJ)

Citi Bank reduced my Sears Credit card limit from {$3000.00} to {$250.00} without any reason, notice or explanation. When I contacted Sears credit card, XXXX of Sears Credit card credit operation didn't provide details, but informed me there were delinquency on my credit report, I told him the delinquency report is not true, but he wouldn't listen.
Consumer complaint received 2019-02-24
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. (FL)

Experian & XXXX are reporting inaccurate information. The account XXXX XXXX XXXX   XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I phone XXXXs into XXXX XXXX XXXX XXXX to advise them that I had become a victim of identity theft. I also gave them information and a incident number for my police report. 
Immediately I was being addressed unethically. 
I was transferred and kept for meaningless hours on the phone with representatives who harassed me and made accusations. 
I have also informed the major credit bureaus of this loss. 
Unfortunately my accounts where hacked, and this financial institution is not allowing to make a successful claim or have access to my funds that where available to me before this crime had taken place. 
I have received an affidavit and I have returned it today. 
They have been sending me emails to to collect the funds, and inform me that the account is not available. 
I spoke to XXXX ID XXXX. 
Advising me that the account is under restraint. 
And they are checking the lastest status. 
Keeping me from my funds. 
I was not allowed to make the claim. 
Every time I call they give me the run around. 
My account has been compromised. 
And I'm Taking the blame. 
This bank is not following genuine policy and procedures guidelines for my claim or predicament.
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX. XXXXXXXX XXXX XXXX ; {$0.00}
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX ; {$0.00}
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I demand to see verifiable proof of this information listed on my report "   PUBLIC RECORD   :   US BKPT CT   AZ    XXXX  -  XXXX  ''
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-03-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P. (TX)

Paramount Recovery Systems have reported a collection debt on my Credit Report with XXXX & XXXX since 2012. It shows up as a medical account. I am certain that this is not my bill. I also know for certain that I have not had any outstanding medical bills. I have always had insurance and use my flexible spending account to pay all medical bills and services. They have failed to contact me and provide any bills, contracts or details of the alleged debt.
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC (AZ)

I noticed a collection account on my credit report several weeks ago. The original creditor was XXXX College, They sent a file to Ability Recovery Services. I contacted XXXX College and they stated the balance was zero and it was supposed to removed from my credit. It is still there. I call XXXX, and they say that I owe nothing. I call Ability Recovery and they claim I owe money. There is no communication between these two. I am getting frustrated. I am in the middle of buying a house and this could not have come at a worse time. I guess my next option is the court system,
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Debt Management Incorporated (MA)

Company has called me several times pretending to be attorneys aggressively and abusively telling me they will be taking me to court and telling me I operate a dishonest business and I will be " punished ''
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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

15 U.S.C 1681 section 602 A. States 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 USC 1681c. ( aX5 ) 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 ( AX ( 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 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My identity has been compromised Years ago. Several accounts have been opened under my name without my authorization or knowledge and i'm unaware of these accounts. In accordance with the law, I have sent a letter to the following creditors in order to verify the debts they allege that I owe and they can not verify debts to me.
Consumer complaint received 2019-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

Midwest Recovery Systems put something on my credit report for a payday loan I never took out. I received nothing in the mail and no attempt to contact me directly. It literally just showed up on my credit report this morning. There is no amount and no other information available. And after reaching out to the company itself, I still have not been given any credible information except that I would be able to pay over the phone with a credit card if I chose.
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX ; {$0.00}
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OR)

We keep getting phone calls from a company claiming to be Amazon and they want to confirm our credit card number and information and saying that were winning something or theyre going to be shipping us an XXXX and its gon na cost {$790.00} and we dont even have an Amazon card I called Amazon confirmed all of our information and that we do not have a card and they said that this is a fraudulent phone call thats been being made to people and to not give them any information but I wanted to report them this is the phone number that theyre calling from XXXX
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Overlimit fee — 
Company: SYNCHRONY FINANCIAL (VA)

Hi, XXXX of my credit card charged deferred interest rate after 1 year of 0 % APR. In the beginning they said 2 year 0 % APR and later the later they said 1 year 0 % APR and at the end of 1 year of promotion. They charged around {$1900.00} as interest in my balance as deferred interest. Can they charge that high as deferred interest? I have never heard of it. 

Thank you
Consumer complaint received 2023-03-27
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. (FL)

I am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX