davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (TX)

I respectfully request full investigation and based on the information I have provided I request the DEBT RECOVERY SOLUTIONS , LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. DEBT RECOVERY SOLUTIONS , LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NV)

XXXX/XXXX/15 airline ticket for {$190.00} was purchased rushcard declined the purchase, i cancelled the XXXX airlines faxed a merchant authorization released letter twice to them .. i have called over XXXX times since friday XXXX to get the funds reversed and they are still holding the money also while taking funds from my account in the amount of {$170.00}
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

There are incorrect addresses listed on my credit report. I have never lived at these addresses or they may belong to a family member : XXXX XXXX XXXX, XXXX, IL XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX IL XXXX
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

HSBC continues to report negative information on my credit report that is over 7 years old. I have XXXX accounts with HSBC that are currently reporting as charge-offs. This information is over 7 years old. I called this to HSBCs attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from HSBC stating that as a customer courtesy they had made the decision to delete the tradelines reporting. That the accounts would no longer be reporting. Since XXXX XXXX HSBC has reported XXXX times to the credit burea and continues to report as charged-off. They reported it XXXX XXXX as a charge off.
Consumer complaint received 2020-03-08
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. (WI)

Between XXXX XXXX  XXXX and XXXX XX/XX/XXXX, I received sign-up bonuses from CitiBank for various promotions related to the AAdvantage Platinum Select card product. The details of these bonuses are shown on attachment ( 01 ), with additional attachments ( 02-13 ) showing statements with CitiBank and XXXX XXXX awarding each of the bonuses as a result of completing the terms of the promotion. 

On XXXX XX/XX/XXXX, CitiBank 's co-branded partner XXXX XXXX terminated my AAdvantage account XXXX, confiscated XXXX AAdvantage miles ( including the miles awarded per the above schedule ), and cancelled three existing flight itineraries ( see attachment 16 ). The reason given in a follow-up email on XXXX XX/XX/XXXX indicated that the sign-up bonuses were obtained fraudulently : " The investigation determined your involvement in multiple violations of the General AAdvantage Program Conditions. These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions. These restrictions are outlined in the promotional bonus terms, and at the top of each application page. '' It is false that restrictions of this kind existed during the time that I applied for the cards which awarded these bonuses. See attached document ( 14 ) for an example of the application page presented, which clearly show that no such restrictions were included. 

For each card I applied for, Citi vetted and approved my application. By doing so, Citi confirmed that the applications, if approved, met all banking requirements and all requirements of Citi and XXXX XXXX. In each case where a sign-up bonus was received, Citi agreed that cardholder had met the spend requirements stated in the offer terms to receive the bonus, and Citi and XXXX XXXX issued the bonus AAdvantage miles in accordance with the terms of the offer. 

It is deceptive and unfair for CitiBank to present and advertise awards which are then rescinded by their co-branded partner, making them unusable and their advertised value worthless.
Consumer complaint received 2017-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

We have XXXX loans through Navient. One is a consolidated loan ( XXXX ) and another is a XXXX ( XXXX ). They both have different interest rates with one substantially higher. We pay monthly online and never miss any payments. For several months we have been trying to make extra payments to the loan with the higher interest rate ( Stafford loan ) so we can pay this off quicker. They will not apply the extra payment to the loan. They evenly distribute this money across both loans. There is no way to allocate this extra payment to pay off the loan quicker online. When you call they give you the run around and say that your promissory note allocates this. This is so unethical. This is not true. We pay the normal payment allocations already that the promissory agreement requires. You should be able to make extra payments to the principle of a loan that you choose. There is absolutely no way to do this online or over the phone. Additionally, I have called several times over the last several years to make sure that I still qualify for the public service loan forgiveness program ( XXXX in public service for 10 years ) and are on track with my payments. They have always said my loans qualify and that I am on track with the right loan ( the consolidated loan ) and today I called they said I would have to re-consolidate this loan again and the 120 payments and 10 years of service would start from the date of re-consolidation? I already consolidated! This is complete fraud! If you consolidate again, then this would disqualify you from the 120 payments you have already been making toward that loan..Since I was upset they routed me to another number that would give me more information and I sat on hold for 1 hour and 13 minutes and was never re-directed. While on hold for 1 hour and 13 minutes the automated recordings said to set up a specialist appointment you need to visit their " change payment page '' on Navient.com. I searched for this page to set up an appointment and it does not exist. I used their search engines and could never find the page they are describing. They give you the run around .. Do not give correct information about your loan and seem to be scamming the system so that students are paying more on a loan.. Now we are stuck in a loan and keep getting the wrong information.I ca n't trust anything this company says. Every person we talk to says a different thing from their scripted book. You ca n't even make an appointment with a " specialist '' to discuss your loans. This is a truly unethical company misguiding and scamming students.
Consumer complaint received 2021-03-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 i was reviewing my credit report and seen some accounts that did not belong to me. One of those accounts was from Bank of America account number XXXX i have never opened this account and have never authorized anyone to open it using my personal information. I contacted XXXX and sent them my police report and identity theft victims complaint and affidavit signed by the XXXX XXXX Police department to support my request.
Consumer complaint received 2017-07-17
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. (NV)

Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company.
Item is listed as :   XXXX   XXXX   XXXX   XXXX  , for the debt of   XXXX   XXXX   XXXX   XXXX   for {$1300.00} USD.
Can the CRA 's confirm validity and provide proof of debt?
Thank you.
Consumer complaint received 2022-01-05
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: NAVY FEDERAL CREDIT UNION (TX)

On XXXX  Navy Federal ran my credit on what was supposed to be a soft pull but instead wound up being a hard pull on a car loan pre approval request. My credit score is in the 700s & for whatever reason they denied me to add to this situation. I sent a letter to Navy Federal asking that the negative information be removed as it wasnt supposed to be a hard pull & the fact that I was denied credit. This is a clear violation of the FCRA
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching a letter I sent a letter to Equifax and   XXXX   XXXX   back on   XXXX   XXXX  , requesting that they investigate error on my credit report. I have not received a response from either.
Consumer complaint received 2017-07-18
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. (CA)

XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with  XXXX ,  XXXX  and Equifax reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit report.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (OH)

I have been trying to resolve an American express fraud case since XXXX. I am hearing impaired and can`t hear the people that don`t speak my same language. I was told by an American express supervisor to ask for XXXX supervisor but they keep giving me someone I can`t understand even though I am XXXX and did what I was told to do. I keep getting rebilled for unauthorized charges and now they sent me a letter saying they can`t find the charge for XXXX.see attachments. It is clearly stall tactics so you will give up.I have tried repeatedly. some customer service reps say the fraud claim was not even filed yet I have letters from the fraud deptXXXX was supposedly blocked from billing me yet there it is XXXX/XXXX/XXXX. how do I know it isn`t an XXXX employee or American express employee frauding this card? it should not be this difficult to rsolve. I contacted the fraud dept via fax XXXX/XXXX/XXXX as I was told to do by XXXX an employee in the fraud dept. still no response
Consumer complaint received 2017-07-17
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. (TN)

My rights under the wage earner law has been violated. My identity have been stolen. Fraudulent accounts were open while I was under  wage earner . My case numbers are  XXXX  and  XXXX . I was discharged  in  XX/XX/XXXX  on the first case &  XX/XX/XXXX  on t he second case. My drivers license have been stolen, social security card. My date of birth changed with all  XXXX  credit agencies. All of my former employers have been changed. All of my former addresses have been changed. A seven year fraud alert have been placed on all   XXXX   credit reports. The  XXXX  Family have tried to take my life to keep me quite.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX     XXXX   have complete access to my personal information and she 's abusing my identity. I am missing four digits Of The account number because I did n't originally open this account. My social security number is  XXXX .
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX my wallet and phone were stolen. 
On XX/XX/XXXX, I reported the theft and the fraudulent charges to the Citibank the same day, immediately after I was notified of the charges. 
On XX/XX/XXXX I filed a police report with a police officer from the State of California Department of XXXX XXXX  XXXX, the department that has legal jurisdiction of the area where the theft occurred. 
I was credited the fraudulent charges by Citibank. However, on XX/XX/XXXX the credits were reversed. I was not notified in writing of the reversal and was not provided an explanation of why the credits were reversed. 
Citibank asked for a copy of my current driver 's license. I provided a copy several times in different formats ( pdf, png, jpg, and jpeg ). Security Operations at Citibank requested only this information and I provided it immediately using the secure link provided by Citibank. This was in early XX/XX/XXXX, XX/XX/XXXX. 
I have collected more evidence to submit my position on why I am not liable and did not authorize the fraudulent charges. I have made repeated attempts to speak to someone in Security Operations investigating the case, and made repeated attempts to speak to a supervisor. Citibank refuse to provide anything in writing, refuses to return my emails or voice messages and refuses to call me back.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dunlap Gardiner LLP (GA)

I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP continues to use false and misleading information in its illegitimate attempt to collect this alleged debt by falsely stating The owner is bound by the Declaration of Covenants for the community because he purchased a home in the neighborhood. This is a baseless claim made without any legal merit to back up such a claim. Its also misleading as to whom is being referred to as the owner and who is being referred to as he. 

XXXX. The legal definition of bound is to be constrained by a contractual agreement, other obligation, or constrained to follow a precedent. 
-Its been previously proven in the prior complaint numbers : XXXX, XXXX, XXXX that the elements of a valid and legal legitimate enforceability agreement between the association and myself is non-existent as it does not exist. 

2. The legal definition of declaration is a formal statement, proclamation, or announcement, esp. one embodied in an instrument.

-Its been previously noted that Dunlap Gardiner LLP and its client the association was not present during the transaction of the home. At no time during this transaction was I disclosed with any statement, proclamation, or announcement regarding the existence of an association or an agreement to join one.

-Being that there were no legal agreements between myself and the association, there is no written legal documentation that defines the rights, duties, entitlements, or liabilities such as a contract legally defined as an instrument. If one existed, Dunlap Gardiner LLP and its client would have provided it already when requested.

3. The legal definition of covenant is a formal agreement or promise, usually in a contract.

Lastly : Dunlap Gardiner LLP states that There is no legal requirement that he sign anything in order to be bound by the Declaration. This statement further proves that there is and never was a valid and legal agreement between myself and the association. The association preyed on me not knowing my rights as a consumer and took advantage with their illegal, misleading, and predatory collection attempts.
Consumer complaint received 2023-04-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

I am not a tax expert, attorney, or legal counsel but rather a consumer pursuant to the Fair Debt Collection Practices Act. 
I am in receipt of a communication via implication that any individual is an attorney or that any communication is from an attorney in response to a request for validation of an alleged debt on behalf of depository institution Synchrony Bank. 
The balance in excess of {$1.00} in accordance to the Fair Credit Billing Act is a credit balance deceptively purported as The false representation of the character, amount, or legal status of any debt balance. 

Synchrony Bank confirms that the credit balance due is correct and has made no effort to refund the credit balance in full by check, cash or money order. 

As there is no deficit stated to verify a debt Synchrony Bank has illegally taken action that can not legally be taken to disgrace the consumer by communicating to any person credit information which is known or which should be known to be false. 

Please see enclosed credentials and deceptive communication enclosed alleging debt.
Consumer complaint received 2022-01-05
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. (GA)

My name is XXXX XXXX and I'm submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request.
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

left my personal notebook bag front of porch and it got stolen along with my ID card, my social card, my passports along with my credit cards and debit card and my MAC AIR notebook 2011 seriesalong with my bar tending class flashcards
Consumer complaint received 2023-04-04
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. (PA)

XXXX : XXXX, XXXX Representative, Natural Person, In Propria Persona : XXXX XXXX XXXX, XXXX XXXX : All Rights Reserved : U.C.C. 1-207/ 1-308 ; U.C.C. 1-103 c/o XXXX XXXX XXXX XXXX, PA XXXX XXXX ] Non-Domestic On XX/XX/2023, I did attempt to appeal the decision made by Equifax who has declined XXXX request for removal of Adverse information. 

Confirmation # XXXX Dear XXXX XXXX XXXX, We completed our review of your request to remove information from your Equifax credit file due to the information being the result of human trafficking. 

For the reasons stated below, Equifax has declined your request and has not removed information from your Equifax credit file as a result of your request : To determine the outcome of your request, Equifax reviewed your request and accompanying documentation, as well as the requirements of Section 605C of the Fair Credit Reporting Act, and the items reporting on your Equifax credit file. 
The Victim states that he is victimized again by attempts by Equifax to stultify the creditor via deceptive business practices which include but are not limited to ; hanging up, and failing web page logins. 
Victim declares that the Following is A Filed Criminal Complaint and meets the Bureau requirements for Victim of Identity Theft Verification Documentation pursuant to 605C ( b ) VERIFIED COMPLAINT Pursuant to 22 U.S.C. 7102 ( 11 ) SEVERE FORMS OF TRAFFICKING IN PERSONS Title of Collection : Case No : XXXX Order Date Filed : XX/XX/2023.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (NY)

This account was created fraudulently without my knowledge or consent. I am unaware who created this account and have fought this several times for several years. I am a victim of identity fraud. I have provided all necessary documents proving this is fraud. I was living in a different residence when this account was created. This account stayed open fraudulently from XXXX. I have submitted all proof again.. please remove this from my credit report asap. Thank you.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc (MO)

I have been registered as a delivery driver on XXXX since XXXXNow XXXX is doing an annual background check on me through checkr. 
Background check company checkr says it can't complete my SSN trace, that kept my background check from being completed. 
I contacted support via the checkr website and they replied that I needed to contact XXXX and wouldn't tell me exactly why my SSN trace couldn't be completed, He also said that he would not accept my direct submission of relevant information, Just a simple reply to me to communicate with XXXX. 
I contacted the support staff through the XXXX app and got the answer is : After providing you with an opportunity to correct your SSN information in the Checkr Candidate portal, Checkr remains unable to process your background check due to problems with the SSN you have supplied in your XXXX account.Because we can not obtain a complete background check, we are unable to partner with you.So my XXXX account has been inaccessible since XXXX XXXX contacted checkr and XXXX many times about this and got the same answer every time. 
I personally went to the Social Security administration to verify my SSN twice and they told me in no uncertain terms that there was nothing wrong with my SSN, So I don't know why checkr can't complete my SSN trace.No one told me why. 
I haven't been able to work for nearly a month now.I need to solve the problem as soon as possible, which has brought trouble to my life.