davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (IL)

On XX/XX/XXXX, I made my regular payment of XXXX to fortiva credit. On or around XX/XX/XXXX, I called to check my balance. The next payment for XXXX XXXX which included a XXXX late fee. I contacted a fortiva agent who told me the XXXX payment was 20 minutes late but that she would waive the late fee. Approximately one week later I telephoned to check to see if the payment had been decreased and it remained at XXXX. I again contacted a fortiva agent who assured me that even though the late fee is normally deducted from the balance, that because the previous agent had told me the XXXX pymt would be XXXX, not XXXX, that a correction, reducing the monthly payment would be made. He assured me that the matter would be handled but that it would take a out 10 days. After about 14 days, I registered a complaint with fortiva at the address provided on the statement. The response was that my letter had been received. " OUR RECORDS INDICATE THAT A LATE FEE OF XXXX was processed to your account on XX/XX/XXXX. A review indicates that the last payment was posted on XX/XX/XXXX and the current balance as of XX/XX/XXXX is XXXX. '' There is no mention of the XX/XX/XXXX payment. Regarding the XX/XX/XXXX payment, the statement I received for XXXX shows XX/XX/XXXX as posting date and not XX/XX/XXXX which would have the date if payment went to next date. The XX/XX/XXXX was a late fee credit and has nothing to do with info I received regarding the XX/XX/XXXX pymt. Fortiva continues late fees and makes calls to me at least 2 to three times a day regardless of my explanations. I relied on info given me on XX/XX/XXXX. I have continued making payments. Any help will be appreciated. Fortiva credit is XXXX XXXX, MO.
Consumer complaint received 2021-10-25
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. (NJ)

Hi, I'm writing to complain that Citibank didn't give me XXXX bonus intro points ( = {$800.00} ) even though I had spent over {$4000.00} after opening this credit card within the first 3 months. I want Citibank to fulfill their promise to consumers as advertised by giving me the XXXX bonus intro points or {$800.00} cash equivalent I deserve. 

On XX/XX/XXXX at XXXX EST, I had a call with a Citibank rep inquiring about this credit card bonus offer and received the confirmation that I will get the XXXX bonus intro points after I convert my old inactive Citibank credit card over to this new Citi XXXXremier Credit card. With that confirmation, I decided to open the credit card and received the confirmation email on XX/XX/XXXX to activate my new card. 

Since then, I had used the Citi Premier Credit card to pay for various expenses to hit the threshold of $ XXXX in order to be qualified for the bonus. 

Today on XX/XX/XXXX at XXXX EST, I called Citibank Thankyou points phone line to inquire why I still haven't receive the bonus point. I was connected to their rep named XXXX ( agent number # : XXXX XXXXXXXX ) who, after listening to the previous recording on XX/XX/XXXX, told me that the previous rep whom I talked to on XX/XX/XXXX had made a mistake, they apologized for the mistake, BUT they're NOT going to honor the full bonus offer. She said the guy resigned shortly afterwards and it was a miscommunication on their end but they're not willing to fulfill the promise of XXXX points now. She said they can only offer XXXX points which is unacceptable to me because I wouldn't have chosen to open and spend that much money on Citi Premier Credit card when there are so many other credit cards out there. 

Their rep XXXX was rude to me and my husband when I was the phone complaining about being misled by their previous rep. She cut me off many times in the conversation and said " it's up to you if you want to accept the XXXX points but that's the maximum we can give ''. She even said " everybody makes mistakes '' which she clearly knows that the mistake was on their end. And she even tried to manipulate the wording but saying that I asked the previous rep about the " bonus '', but the " bonus '' can mean many different things like reward points, which are clearly not the same as bonus. 

I've attached copies of the statement, recording of part of my conversation with the rep named XXXX on XX/XX/XXXX, and email confirmations on opening the account. 

Again, I want Citibank to fulfill their promise to consumers as advertised by giving me the XXXX bonus intro points or {$800.00} cash equivalent I deserve AND apologize for their mistake.
Consumer complaint received 2021-08-14
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. (VA)

This account has been written off and I am being garnished toll this trying time we have here with covid. XXXX, XXXX, XXXX, and XXXX have been garnishing my pay and I have never done business with this law office. Not only i can not afford a garnish, how is this legal to take frome? Continuously ripping me off!!!
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NC)

On XX/XX/XXXX I attempted to close my US Bank checking account. US Bank agreed and mailed me a check dated XX/XX/2020. On XX/XX/2020 some charges hit that account, my wife had used the debit card inadvertently. I am not sure why they were not declined. Following these transactions I received communication from US Bank stating that my account was overdrawn. Based on this communication I continued with my regular direct deposit into the account. The direct deposit was subsequently declined and sent back to payroll. US Bank said they declined because the account was in the process of being closed. I received another notice from US Bank dated XX/XX/2020 stating they were going to charge me a fee and Charge my account off and place me in collections. I called US Bank on XX/XX/2020 and spent two and a half hours on the phone, speaking to six different people and multiple departments including supervisors. I was informed by two different departments that I needed to mail in a check to bring the account current. So, that day I a certified letter with a check to US Bank at their request. USPS says US Bank received the check on XX/XX/2020. Today is XX/XX/2020 and I am back on the phone with US Bank because the check has not been placed in the account. Today they are telling me that they can not deposit because the account is in the process of being closed. US Bank would like me drive to my local US Bank to solve the problem. I have informed them that I do not have a local US Bank. The closest bank is two hours away. No resolution has been provided. Currently I have been on the phone with them today for over an hour and still trying to get a resolution.
Consumer complaint received 2019-06-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Outsource Group, Inc (IL)

medicredit inc. 
XXXX XXXX XXXX XXXX XX/XX/2018 {$50.00} XX/XX/2018 {$80.00} XX/XX/2018 {$65.00} i have call medicredit inc. to dispute these 3 payment, even thou they say it was 5 bills .Due to the fact that i m and have for the last 8 yr. being used medical which paid full price for my med. need and that i don't know what XXXX  hopital did wrong that they did't get paid. medicredit ask me can i go to XXXX ill to ask the billing dept to pay these old bills. i don't live no place near XXXX ill
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

on XX/XX/18 I called XXXX XXXX, XXXX XXXX, and capital one. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time forgiveness. XXXX said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. XXXX XXXX said they would close my account might be reopened but I would have to do an automatic XXXX  dollar a month payment, and capital one I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like XXXX completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. XXXX XXXX did close the account but I am still seeing those late payments. capital one did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those dumb mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXX to XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on my XXXX  payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.
Consumer complaint received 2023-04-06
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. (GA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT ADJUST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-04-06
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX  {$11000.00} XX/XX/XXXX
Consumer complaint received 2022-04-28
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-05-24
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (TX)

Hello, my name is XXXX XXXX I had applied for this card and at the time I was living at a X house in which the car was sent to my old address and I believe that my ex use my car and maxed it out. My ex had my new address and never tried to return the car to me I contacted the credit card company informed them about the situation. I was told to dispute the transactions, but later found out that they said that I was responsible for the charges I believe that this is truly on fair as I did not make any of these purchases on this card it should not be fine reliable for the transactions.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (AL)

From XXXX, I filed a dispute with XXXX, Equifax and XXXX about the inaccuracy being reported on my credit report of the account XXXX XXXX XXXX XXXX  account number XXXX. There are two different high balances being reported. {$31000.00} on XXXX and experian, but {$22000.00} on equifax. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (NY)

like a year ago i asked and disputed my credit report / property damage report that Lexis Nexis supplies to insurance companies. they have information that goes back over 20 yrs i asked them to remove the NON chargeable accidents that are listed on their reports since Per NYS law i shouldn't be held accountable for a hit and run, and i was denied insurance due to this being on their report. As well as the numerous address and phone numbers that are over 7 yrs old. they stated they keep it on there but insurance companies only look in the past 3yrs. I told them i don't care its out dated in accurate and i want it removed i never got an updated report. so i requested a new report this year and again ALL this information is very old and out dated and the NON chargeable accidents are still listed. the report they sent me of my addresses are going back to when i was a teenager and phone numbers that i dont even recall. these things are not necessary and need to be removed from their records. I also want any and all property damages ( auto, homes etc ) that i might be reported on my CLUE  report removed as well anything that is over 7yrs past the statue and needs to be removed. this information is shared to insurance companies and is affecting my rates. I feel that Lexis Nexis is acting like a credit reporting agency but is not listed as a major one like XXXX  and they should be since this affect millions of people who are looking for auto/home policies because this is the insurance companies many source of information. An i find more and more people are unaware that Lexis Nexis is providing this information to them.
Consumer complaint received 2019-06-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have explained to TransUnion over and over that I did not give anyone permission to look at my credit. I attactched a identity theft report and a police to my previous request and they continue to leave fradugelent information on my credit report. This account does not belong to me & I have never opened an account with XXXX XXXX XXXX. The following inquiries should not be on my report because I did not give anyone my permission to look at my credit from these companies 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, and there are several from XXXX XXXX.
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In XX/XX/2021 Portfolio Recovery Associates added a collection from XXXX XXXX XXXX XXXX XXXX on my credit account for the amount of {$960.00} I don't know what this is and this doesn't belong to me, this account was not legally validated and I need them to delete this unverified and inaccurate account that is negatively hurting my credit report.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am XXXX XXXX consumer and natural person. I contacted Capital on Monday XX/XX/2021 and first spoke with XXXX, who informed me that my account was closed. I am shocked and enraged after my 30 minute hold withXXXX, XXXX then tranferred me to his supervisor XXXX who was nothing more than a LIAR! She yelled and told me that she was the highest point of Contact which is a lie I am pretty sure she is not the CEO or president of Capital One. I am disgusted that Capital One is under the impression that as a company they are allowed to violate and disregard my consumer rights. I remitted my payment in the amount of {$2200.00} and instead of demonstrating in honor Capital One employess are acting above the FDCPA law.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (PA)

Account was opened XX/XX/2018 with BBVA. There was an offer for a {$200.00} bonus for opening a checking account with a {$500.00} balance and maintaining for 3 months. There was also a {$50.00} bonus for opening a savings account and maintaining a {$100.00} balance for 3 months. 

BBVA Compass asked if I would like to opt out of paper statements ( {$3.00} fee ), I said yes. They still charged me for a paper statement on the savings account, causing it to go under {$100.00} and they refused to send the bonus even though I opted out. They did not disclose that this only opts out of paper statements for the checking account. 

They also would not refund the {$3.00} charge even though I contacted them immediately. This bank is shady and hides what you are really opting out of. I believe I am owed {$50.00} for maintaining my balance.