davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Store credit 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: STERLING JEWELERS, INC. (CO)

I have been writing the credit bureaus and this company about this account and they are both refusing to validate or verify the debt. This particular complaint is against this company. I want this account removed from the credit reporting agencies because its inaccurate and false and they refused to verify or validate the debt and gave me a stall tactic response. I have attached the documents that I sent to them and their response. This has been going on too long and I am fed up with this foolishness. I am not attaching any identification documents for my fear that this company will use it to fraudulently validate this debt. This account has so many inaccuracies across all three bureaus
Consumer complaint received 2017-12-21
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. (NJ)

XXXX XXXX says they issued a credit card in my name and it was used fraudulently per their statement. They closed the account because of this but did not investigate or correct any purchases done fraudulent. They are putting this on my credit report and refuse to correct the issue.
Consumer complaint received 2019-08-10
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. (NE)

In XX/XX/2018 I was the victim of identity theft where a person stole my entire wallet and proceeded to run up {$21000.00} of expenses on my XXXX credit card. Upon discovery that my wallet had been stolen, I immediately contacted the XXXX XXXX Police Dept. and filed a theft report the following day. I filed a claim with XXXX that my card was the subject of fraud and identity theft. XXXX is the only credit card in my stolen wallet that refused to remove the fraudulent activity from my account and is holding me liable for the charges. I have disputed this negative reporting with all 3 credit bureaus and supplied substantial documentation that I was the victim of theft, identity theft and fraud. None of the bureaus have removed or blocked the XXXX account from being negatively reported as required by law.
Consumer complaint received 2022-09-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I received a letter of debt validation from a company called XXXX XXXX in XXXX, i agreed to pay this creditor to not go on my credit for XXXX XXXX. I finished paying in XX/XX/XXXX. During the last 4 months PROCOLLECT started reaching out to me several times a day as to which on XX/XX/XXXX i asked for a debt validation letter because i had already paid the debt to a creditor who did validate and XXXX was paid in full. The started reporting the debt in XX/XX/XXXX. I've disputed all items and reached out on XXXX  through a complaint. Procollect is stating since the other company is not PROCOLLECT i would have to pay the balance AGAIN to them, which is not true and a scam tactic. They refused to remove this false information on debt that is paid.
Consumer complaint received 2022-04-27
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. (FL)

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy / XXXX / {$0.00}
Consumer complaint received 2019-08-16
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. (FL)

I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ),
Consumer complaint received 2019-08-16
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: DISCOVER BANK (CA)

To my knowledge, I have not signed any document authorizing DISCOVERBA to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I don't recognize the inquiry : Creditor Name : DISCOVERBA Inquiry Date:XX/XX/19 The above inquiry is unauthorized and is hurting my credit and is prohibiting me to get approved for a home I am trying to purchase.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (VA)

WHEN CHECKING MY CREDIT REPORT TO QUALIFY FOR A MORTGAGE IT WAS DISCOVERED THAT THERE WERE SEVERAL ACCOUNTS ATTACHED TO PLACES I HAD NEVER LIVED IN XXXX XXXX NC DATING BACK APPROX. 6-7 YEARS AGO. DATE OF DISCOVERY WAS XXXX XXXX, 2020. I IMMEDIATELY FILED AN FTC REPORT AS I DO NOT LIVE IN THAT STATE AND LOCAL LAW ENFORCEMENT DIRECTED ME TO FTC WEBSITE. SINCE THEN I HAVE SUCCESSFULLY REMOVED ALL BUT 1 ACCOUNT : BULL CITY FINANCIAL, WHO IS TRYING TO COLLECT FOR XXXX XXXX. I SENT THEM A COPY OF THE FTC REPORT AND CALLED THEM MULTIPLE TIMES. INSTEAD OF ACKNOWLEDGING A GOVERNMENT DOCUMENT THAT I HAD TO SIGN THAT I WAS TELLING THE TRUTH THE TOLD ME I HAD TO PAY THE BILL OR DRIVE TO XXXX XXXX  NC AND FILE A LOCAL POLICE REPORT IN PERSON AND SUPPLY DOCUMENTATION OF EVERYWHERE I HAVE LIVED IN PAST 7-10 YEARS. LOCAL LAW ENFORCEMENT TOLD ME THEY SHOULD HAVE RECOGNIZED THE DOCUMENT AND I SHOULD CONTACT YOU AT THIS POINT. i HAVE SINCE UPDATED FTC REPORT WITH THE 1 OUTSTANDING ISSUE AND ATTACH A COPY TO THIS COMPLAINT
Consumer complaint received 2019-08-10
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: EQUIFAX, INC. (CA)

in the last 5/6 years i have had 3 break ins, of my personal property, thieves getting their hands on my personal identification. The last break in, the officer told me they saw a spike in what they consider, non- violent criminals released back on the streets, resulting in crimes like mine. that does not include a data breach, after my XXXX in the hospital, and even better, Equifax breach, ( which the judge declared, completely preventable ), and XXXX XXXX breaches. This has affected me so terribly in many ways. Equifax as the other bureaus are supposed to be information, reporting agencies, not investigative agencies, or XXXX the American public agency, which is what they do, XXXX the American people. A " dead '' corporation, that exists ONLY on paper, deciding what and if they will follow the law, such actions, " XXXX XXXX ''. When i filed my dispute, i thought my " dispute '', was with the " alleged '', creditors, i stupidly did'nt realize Equifax had a interest, in my personal, private business affairs. I have written them for years now a waste, money, and time consuming events, that has taken its toll. I will not dispute any more information, with this XXXX, called a credit bureau, but will spend my time, in courts, sueing these XXXX, trying to get a proper answer, to what gives them the authority, to overide our Constitution, and impair my ability to contract, Article 1, Section 10, clause 1. I have the supporting documents, them responding to me, by saying they will not follow the law and block, such information, but turn it over to the alleged creditors. How and why they are allowed to operate, please XXXX, others comments, on the internet, is pale to me, but if our Governmental agencies are powerless to get them to act as a, reporting ageny, instead of a police organiaztion, heaven help us. Do i have time to be sueing theses XXXX in court, NO, BUT I WILL MAKE TIME
Consumer complaint received 2021-07-13
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. (NY)

RE : XXXX CARD XXXX Never late on this account. Paid as agreed. On time. 

Over thirty days ago, I wrote to Credit Bureau my disputing letter for account above. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This XXXX mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these items have been removed. 

Thank you for your attention to this matter. I await response.
Consumer complaint received 2020-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

Every month I dispute account with all 3 credit bureaus letting them know that I never had an account with Midland Funding, Midland Credit Management, I also contact MCM every month to dispute and ask for all documentation including a written signature that I ever did business with them and they never will give me anything. 
Help me remove from credit reports as MCM changes the account number and company name to keep putting this on my reports. 

Last date of letter contacting them was XX/XX/2020 account number XXXX, they sent letter back with no documents again for the 5th time and no written signatures. 
Amount of {$6400.00}
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Got a promotion from Bank of America if I do apply before XX/XX/2022 saying you will get {$200.00} cash rewards bonus after making at least {$1000.00} in purchase in the first 90 days of the account opening, which I did exactly using there promo code XXXX also saying Unlimited cash back and no annual fee. after waiting few months I tried get the {$200.00} cash rewards and the website will not allow me to do that stating I did apply for a traveler rewards which I never did in the first place. after talking to customer services many time and saying the will fix the problem which they never did. Last time I contacted them and they were not helpful for solving this problem at all. I still have the promotion letter they sent. I fee their promotion is misleading instead sending me the card of the cash back which allow me to get my {$200.00} cash rewards they did send a card with traveler rewards which I never wanted.
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, we received a Citi Welcome package showing the rate at 3.25 %. This rate did not account for an additional 0.125 % discount if we opened a CITI account with {$50000.00} to {$190000.00}. 

On XX/XX/2021 we received the initial loan estimate ( attached ). The rate shown was 3.5 % with a 0.25 % discount XXXX points ) and an additional 0.125 % discount if we opened a CITI account with {$50000.00} to {$190000.00}, such that the rate would be 3.125 % On XX/XX/2021, we received a revised estimate showing the rate as 3.125 % based on opening a CITI account with {$50000.00} to {$190000.00}. 

On XX/XX/2021, Citi sent a revised checklist showing the rate as 3.125 % based on opening a CITI account with at least {$200000.00}. 

In summary, CITI initially said our rate would be 3.125 % if we opened an account with {$50000.00}. After we filed our loan application, while in escrow, CITI then said our rate would be 3.125 % if we opened an account with {$200000.00} or 3.25 % if we opened an account with {$50000.00}. This was a bait an switch. 

We reached out to CITI and they said the term was always 3.125 % if we opened an account with {$200000.00}. The letters they provided from XX/XX/XXXX to XX/XX/XXXX do not provide such evidence. Rather, the letters CITI provided always indicated the rate would be 3.125 % based on opening a CITI account with {$50000.00} to {$190000.00}. 

CITI did not adjust the rate and gave us a rate of 3.25 % rather than 3.125 %
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OR)

Open checking account on XX/XX/XXXX over the phone, received account number through mail XX/XX/XXXX, funding acknowledges XXXX. Deposited {$200000.00} to receive {$1500.00} bonus. Called to confirm XX/XX/XXXX and told good and given promotional code. Called in early XXXX to confirm credit to occur XX/XX/XXXX. Received online message after call on XX/XX/XXXX after not seeing credit on account that deposit did not meet 20 day deposit qualification ( 22 days ). XXXX flier states 30 day balance requirement if account opened over the phone. Account opening package not mailed from CITI until XX/XX/XXXX so did not have signature card or account number until XX/XX/XXXX. Multiple calls on XXXX, XXXX and XX/XX/XXXX did not resolve issue. Refuse to acknowledge or define " open account '' date. I was not about to send a check for {$200000.00} without written confirmation of account open and account number.
Consumer complaint received 2021-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

To whom It may concern, I request validation of the following 2 debts : NATIONAL CREDIT SYSTEMS XXXX and NATIONAL CREDIT SYSTEMS XXXX. Per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) XXXX XXXX XXXX information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to my debt validation request, then you have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Consumer complaint received 2021-07-13
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: BARCLAYS BANK DELAWARE (CO)

an account was opened in my name XX/XX/2021 at barclays bank delaware and a {$99.00} purchace was on XX/XX/2021 I DID NOT OPEN THIS ACCOUNT Barclays bank delaware XXXX XXXX  XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Had disputed account with TransUnion and XXXX   online regarding XXXX XXXX of which they did not validate debt. The account in question should have the account condition as CLOSED not Indeterminate.
Consumer complaint received 2022-10-10
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. (GA)

Contacted company and was gave them concerns regarding account being continuously reported to credit bureau due to negative impact on housing market. Confirmed that they sent in a request for negative reporting to end for account, however it is still showing as negative on report.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

3rd Attempt to resubmit this complaint regarding XXXX 's response to my complaint. 

CFPB # XXXX Reference # XXXX Account # XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Loan Paid Off XX/XX/XXXX In dispute, that I paid XXXX payment late and it was not received until XX/XX/XXXX. 

Please see attached XX/XX/XXXX payment & XX/XX/XXXX payment to XXXX both paid early in each of those months. 

I do not understand XXXX 's 4th paragraph of their letter to me also attached that XXXX received my payment late. XXXX also gets confused in their letter going back and forth with XXXX & XXXX when year I am rering to is XXXX, XXXX & XX/XX/XXXX.
Consumer complaint received 2018-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (LA)

Clients received a loan modification. Due to error in dating by servicer client was delayed in signing agreement. Once documents were signed and delivered client received multiple payment amounts. Client received payments back in XX/XX/XXXX unaware that they were back in foreclosure proceedings. Clients have been trying to resolve issue since XX/XX/2017.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I Completed the Citi Priority client offer that Citi Bank sent me for XXXX XXXX XXXX Aadvantage miles ( offer # XXXX ) - called Citibank and confirmed with Citibank rep all offer requirements met 4 mos ago and still Citibank has not credited my XXXX XXXX Frequent Flyer acct # XXXX the XXXX XXXX XXXX Aadvantage miles I earned. Citi bank rep even opened an investigation case 2 weeks ago : case # XXXX XXXX BUT still no response from Citi Bank on this. 
After looking online there have been many complaints about Citi Bnak not honoring their offer to clients that met offer requirements. Here is website with more complaints about Citibank unethical practices on this and other clients reporting this to CFPB : XXXX : XXXX Please take action with Citi Bank on this now to credit the XXXX XXXX  XXXX XXXX   Aadvantage miles I earned on their offer to me - as they are committing fraud offer and unethical business practices on this. 
Thank you
Consumer complaint received 2019-08-09
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-02-24
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: 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 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 XXXX XXXX XX/XX/2017 XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/2017