davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
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. (FL)

Dear CFPB, In XX/XX/2018 I received an offer from Citi for an XXXX XXXX credit card for which I could get XXXX bonus airline miles. I signed up for this card to get the miles and help my family take my mother on a trip she has always wanted to go to. 
We met the qualifying purchase requirement however never received our promised miles. After several inquiries as to why I did not receive the bonus miles I was told that I did not qualify for this offer because I had previously had a XXXX XXXX card with Citi ( though a different type of credit card ). 
It is very misleading to send offers to consumers that we can not actually take advantage of. I am attaching a copy of an offer my husband received ( he also has the same XXXX XXXX Citi card ) which illustrates my point. The offer says he can get XXXX bonus miles but he really can not get these because he already has a Citi AAdvantage card. I find this to be a very misleading practice that takes advantage of innocent consumers. 
I feel I should receive the bonus miles as promised when I initially signed up for the card and no longer receive deceptive offers.
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (IA)

Lockhart and XXXX XXXX has toppled my XXXX XXXX to the ground with amounts Of debt I couldnt never owe them. And judging by the dates I wasnt in the hospital and let alone received that outstanding debt. This is ridiculous, this is all false on both ends. And I can not build wealth with that type of debt I didnt make of my credit. Its mind blowing. I need to talk to some one to get this situation under control. Or I will take legal actions. I need help getting this off my credit immediately.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (VA)

This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it.
Consumer complaint received 2023-05-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

This is my second time writing equifax about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), The credit bureaus may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. They received my second as proof on this XX/XX/XXXX which means they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX FL XXXX 2. Validate Account XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report.
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

CitiaBank is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with CitiBank nor was I aware that an account was ever opened in my name. CitiBank is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with Citibank. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.
Consumer complaint received 2022-01-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (TX)

This form of communication is being used to put XXXX on notice that I have started the administrative process and placed you on Notice. I have notified you via Mail, CFPB and Via the Attorney General XXXX Texas XXXX XXXX XXXX XXXX XXXX. 

You have failed to respond to my claim and you have failed to respond to the Texas XXXX XXXX XXXX XXXX XXXX in reference to case # XXXX sent to you on XX/XX/2022. 

Your complete disregard for me as a federally protected consumer has been displayed on several levels and you will have to correct the situation and provide me with the demanded remedy i requested in all of my unrebutted Affidavits
Consumer complaint received 2023-05-22
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. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-22
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. (LA)

When I looked into my credit report, I found that there was inaccurate. The XXXX credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account ( A ) : XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2020-04-05
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. (AR)

Its been over 9 months since I have been going back and forth with Transunion over several accounts, bankruptcies, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Transunion but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX # XXXX, 2. XXXX XXXX # XXXX, 3.Ability XXXX # XXXX, 4.XXXX XXXX XXXX # XXXX , 5. XXXX XXXX # XXXX, 6. Ch XXXX Bnkrptcy # XXXX, # XXXX, Ch XXXX Bkrptcy # XXXX. There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Transunion has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Transunion and will provide if necessary.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I put in a dispute with XXXX  in XX/XX/XXXX about capital one because they still have an account on my credit report from XXXX. The account has been closed since XXXX and the issue never got resolved. I put in a dispute again for the same issue in XX/XX/XXXX and it said I was accurate with the account being to old and closed and XXXX  would update it but never did. And capital one wont remove it off my credit either after i have called them multiple times as well.
Consumer complaint received 2024-01-19
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. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I received documents from a 3rd party attempting to collect a debt with an additional {$900.00} overage with documents that I never received nor signed. 

The said documents has a manager signature with the date of documents not being dated.
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (GA)

On XXXX XXXX I logged on to the Citi website ( citicards.com ) and saw an offer for the XXXX XXXX card stating new cards would earn a reward of XXXX aadvantage miles for {$0.00} spend. This was way better than the typical offer for the card so I applied. On the application page the offer was again stated as XXXX aadvantage miles for {$0.00} spend after opening the card. I would not have signed up for the card if that was not offered. 

I was subsequently approved for the card, and upon receipt of the new card, it came with an offer letter stating that I would only receive the XXXX miles after I spent {$5000.00} on the card within the first three months of opening the account. 

I have contacted Citi numerous times. On XXXX XXXX I faxed them copies of screen captures of the Citi website clearly stating the offer, and have received nothing but misdirection and stalling with no confirmation that they are working to fix the issue. 

All I want is for Citi to honor the offer that was publicly displayed on their website.
Consumer complaint received 2021-04-07
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: World Acceptance Corporation (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : 08 XXXX XXXX  ) XXXX ... WORLD FINANC XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-03-06
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. (GA)

The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by TransUnion, XXXX and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

TransUnion and XXXX have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities. 

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXXXXXX
Consumer complaint received 2021-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-04-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Upon checking my credit report, I notice an account from Bank of America that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that Bank of America is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2023-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Accounts name : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX  XXXX {$910.00} XX/XX/XXXX XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (OR)

I have documentation from XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX that states XXXX XXXX XXXX XXXX XXXX XXXX sending me a refund in the amount of {$180.00} and since this time, they have sent me to 3 different collection agencies and this reporting is impacting my credit negatively. I do not owe XXXX XXXX XXXX any money and I have been told this numerous times. I don't know what else to do to get them to stop harassing me for {$50.00}, but to report to you. This is currently with a collection agency called Franklin Collection and was reported to my report on XXXX as delinquent.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I received a copy of my credit report and found the following item XXXX XXXX ) to be missing from my Equifax credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX closed account with positive history ) XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX closed account with positive history ) I have contacted XXXX  XXXX, and they have responded in writing that they do report to Equifax. However, my information is not correctly reflected on my credit report.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FISERV INC. (CA)

On XX/XX/2024, I initiated a simple balance transfer from a Government Issued XXXX XXXX Card issued by XXXX, now XXXXXXXX XXXX ) and managed by Money Network with a {$600.00} balance on it to my XXXX Checking Account. The ACH Transfer never went through and I've been trying to get them to retrieve my money from what they say is their " XXXX XXXX  '', and issue me a check. I spoke with a XXXX on XX/XX/XXXX who gave me a XXXX ID # to go to XXXX with and that they would trace the funds. I did so, and XXXX informed me they have no record of this Trace ID and therefore can not trace the funds, only the XXXX where the transfer was initiated can trace the ACH Trace ID, not the receiving Bank. I have all my conversations with XXXX  Reps on recorded lines and I still to date have not received any ACH transfers to my XXXX Account in the amount of {$600.00} from Money Network, and I have my bank statements as well as my proof. After speaking with a Money Network Supervisor on XX/XX/XXXX who confirmed I entered my XXXX Account numbers correctly, they said, " they would no longer help me in this matter ''. I've called them back to try and get an Agent/Supervisor, only to be hung up on, and I've Faxed both their Customer Claims Dept numbers asking for their proof they've done anything to help me- I've received no reply to date. I've even called XXXX, now XXXXXXXX XXXX, the actual Name on the back of the Card itself for help, they refuse to help me as well. The CA Attorney General 's office referred my complaint to you, so please help me in this matter, I'll provide anything you need, and you should look closer at Money Network, early first stage Reps said they'd received Many complaints just like mine, I think they are stealing peoples money and trying to cover it up hoping people will give up on these types of claims.