davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MT)

GOOD SUNDAY, SIRS. CITIBANK SAID IF OPEN A CHECKING ACCOUNT BEFORE THE END OF XXXX, AND FUND IT WITHIN 30 DAYS, AND KEEPING {$50000.00} FOR 60 DAYS, THEN YOU WILL BE AWARDED {$500.00}. I OPENED ACCOUNT BEFORE THE END OF XXXX, BY XX/XX/XXXX, MAINTAIN {$50000.00} ALL THE WAY TO LAST FRIDAY. THEY DID NOT GIVE ME {$500.00}, LAST FRIDAY, I CALLED, FIRST LADY TO ANSWER THE CALL SAID SHE NEEDED TO TALK TO HER BOSS, SECOND PERSON ANSWERING THE PHONE WAS GUY, FIRST HE SAID THAT I DID NOT HAVE PROMO CODE, I SAID THE WHOLE PROMOTION NEVER MENTIONED THAT IT NEEDS A PROMO CODE, THEN HE WENT TO TALK TO HIS BOSS. A LADY BOSS TOLD ME ON THE PHONE THAT I DID NOT MAKE ANOTHER DEPOSIT IN THE CONSECUTIVE MONTH, I REPLIED THAT YOUR ADVERTISEMENT IS {$50000.00} IN THE ACCOUNT FOR 60 CALENDAR DAYS TO QUALIFY, DID NOT SAY NEED MORE THAN {$50000.00}. SHE WAS NOT ABLE TO HAVE A FAIR ARGUMENT. 
THE ADVERTISEMENT NEEDS TO BE FAIR AND SQUARE, CAN NOT SLAP ITS OWN FACE. PER BANK 'S PROMISE, THEY OWE ME {$500.00}. AND YOU BE THE JUDGE. 

THANK YOU
Consumer complaint received 2018-03-18
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)

I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. XXXX 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX EQUIFAX : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7XXXX XXXX 8. XXXX 9. XXXX XXXX :
Consumer complaint received 2021-04-23
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: CAC Financial Corp (OK)

I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. I reached out to the bureaus and company several times and the accounts are still on my credit. 
1. CAC FIN COLL. Date Opened : XX/XX/XXXX. Balance : {$780.00} 2. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$850.00} 3. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$150.00} 4. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$790.00} 5. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$740.00}
Consumer complaint received 2023-02-14
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. (SC)

XXXX accordance with the Fair Credit Reporting act XXXX  : XXXX XXXX XXXX Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, have 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 a account without my written instructions
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (KY)

We were in the process of selling our home. I was in contact with the company due to the fact that we were having trouble obtaining a payoff. I informed the company that we were selling the home, I called and notified the company. I was told it was noted in the account. The closing attorney requested the payoff at the end of XXXX and because he did not get a response, I had to call and finally received a payoff. We closed on the home on XX/XX/XXXXand the mortgage was paid off onXX/XX/XXXX. Regardless of my communication our credit report was hit. I am under the understanding that this will be on my credit report for 3 years. I want it fixed. I was in communication with the Mortgage Company. 
I did my part, it is out of my control when the check is sent to pay the mortgage, and the fact that the mortgage company did not provide us with the payoff. I notified them that we were closing on the home, and I do not feel I should be hit on my credit report because they were not able to honor my efforts. I explained that the reason for selling the home is that I did not have the money for the mortgage, thus why the issue. Also, they filed for foreclosure on the XXXX home. I received paperwork. We never missed a payment, we may have been late but made the payment within the month. I told them we were selling the home. How in the XXXX does that make sense?
Consumer complaint received 2020-11-12
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. (VA)

I applied for a loan from XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/2020 and a credit report was sent to the bank. XXXX sent me a letter, notifying me that my report had some derogatory information on it. They provided instructions to contact the consumer-reporting agency to address any mistakes that I found on my report. I contacted Equifax because Equifax Mortgage Solutions was the agency who reported the information to my bank. I followed their instructions for submitting a dispute on XX/XX/2020. On XX/XX/2020, they sent me a response to my dispute stating they had updated my credit file. On page 3 of the letter sent to me, they state If there has been a change to your credit report based on your dispute, or if you add a consumer statement, you may request that Equifax send an updated report to companies who received your credit report within the last two years for employment purposes, or within the last six months for any other purpose '' ...

XX/XX/2020, I contacted Equifax to have them send an updated report to XXXX so they would have the correct information with the derogatory information removed. I provided the representative from Equifax the confirmation # of my disputed file so she could reference the same information I was referring. She refused to assist me with how to get an updated report sent to XXXX. I requested to speak with a supervisor, for which I waited on hold for 25 minutes before XXXX took my call. This was between XXXX. She was not helpful at all, she was more annoyed that I was insisting that they honor the information they sent me by providing an updated report or helping me get to a section within their company that can assist me further based on the correspondence I received. She stated that it was not their policy to provide reports to businesses ; they only provided them to consumers, thats their policy. She said she could not help me any further. I explained that I understood her policy but what I was asking for was also a part of Equifax policy, because they sent it to me in writing as to what I should know. She said very rudely that her policy wasnt going to change, she wasnt going to continue to talk to me about it, and then she hung up the phone. I contacted the Equifax Mortgage Solutions section, which is the section that sent the actual report to XXXX. They also stated their policy doesnt allow them to send updated reports. She told me I needed to contact the regular Equifax, which is the section that hung up the phone on me.
Consumer complaint received 2020-06-24
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)

Ive filed disputes with all XXXX  Equifax XXXX  requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX  XXXX is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.
Consumer complaint received 2018-03-18
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (TN)

XXXX XXXX/Navient made up a fraudulent Tuition Answer loan application for {$15000.00} for the semester of XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX , XXXX NY. XXXX. Supposed applicant was a XXXX. Old XXXX working part time at XXXX XXXX. Stated income ( {$7800.00} ) was based on work experience of 2 months. No co-signer or co-borrower information was entered on loan application. Supposed loan application was received by XXXX XXXX on XX/XX/XXXX and  funds were released to college on XX/XX/XXXX. Check was supposedly mailed to college but they have no record of it. Also, student expenses for this semester were under {$500.00} because no tuition was paid ( father worked at college/no tuition for attending child ), student lived at home and commuted, book costs were very little. The college verbally stated that they would never have okayed a loan based on these costs for any student.
Consumer complaint received 2019-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (VA)

Suntrust has lied to me and told me that funds for a check were being held due to “inside banking information that the funds would not clear” for my BUSINESS ACCOUNT.  This was AFTER I told them I did not want to have a banking relationship with them as well as AFTER the funds were already cleared the next day which allowed me to pull the balance to transfer out and make a XXXX balance.  On top of that, they have the nerves to apply fees to my account for their lie.  I wanted to close the account to begin with due to inconsistent information given to me and bogus overdraft fees for small amounts to my account as low as a $XXXX for a $XXXX charge as well as picking and choosing which transactions they want to go thru on the account to apply numerous fees.  I have stated many times before to them, if the money isn’t there don’t allow the transaction to go thru but they keep doing it to get more and more money.  Over $500 in fees in one month alone!!!  I am not only sending this complaint to XXXX but CFPB and collecting others to join in on a class action suit to file.  They are ridiculous and liars.
Consumer complaint received 2018-03-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I took these loans out in XXXX and they totaled just above the amount owed now. Two loans are 4 % and one is 12 % interest. It shows that literally less than 10 % of all payments made has gone to the principles of the loans. One loan even went up {$1400.00}, due to bad customer service advice and 99 % of my payments going to interest first. I have screenshots of the history. Do I dare refinance? Or just join the suit. I was taken advantage of just after a XXXX assault and XXXX. Navient has ruined kids in college. It doesnt need to continue.
Consumer complaint received 2018-03-18
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: EQUIFAX, INC. (NJ)

This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.
Consumer complaint received 2018-03-18
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: WELLS FARGO & COMPANY (NJ)

This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.
Consumer complaint received 2020-07-31
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. (FL)

AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE TO SOMEONE USING MY IDENTITY. AS I AM TRYINGB TO GET THAT TAKEN CAR OF, I DECIDED TO GET MY CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS AN UNKNOWN ACCOUNT THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-08-19
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. (FL)

I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXX/XXXX - Acc # XXXXXX - PAID This was disputed and then removed from my credit report under the name "DIRECT LOANS", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXXXX was a fraudulent account, but is now showing as closed with "failure to pay" in the payment history.
Consumer complaint received 2018-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (IN)

I received a debt collection letter from avante on XX/XX/18 involving a bill I supposedly owed. I contacted my local hospital and found the only bill they had for me was written off due to financial hardship ( I have documentation proving it as well ). I then requested avante validate the debt in writing. The request was postmarked XX/XX/18 and was sent via certified mail and was signed for by XXXX XXXX. I never received a validation and now the debt is being reported on my credit report as being in collections since XX/XX/2018, before I was even notified of the alleged debt, which in my understanding is in violation of the FDCPA. I would very much like validation of the debt to cross check with my records from the time. And would very much appreciate if it was either removed or changed to disputed on my credit report as there was no validation.
Consumer complaint received 2018-03-18
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: Credit Plus Inc (OH)

I was checking my credit report and found that XXXX XXXX XXXX, XXXX, and CREDIT PLUS all did a hard pull in XX/XX/2017 without my permission or knowledge. It will take two years for this to be removed unless they each remove it.
Consumer complaint received 2021-09-02
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ; XXXX  ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( EQUIFAX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2018-03-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I have had this account for years until recently I started at a hotel and they let you pay cash and hold {$75.00} off your card for issues accrued. Mid stay I noticed they were charging my card and I was paying cash I only discovered it because I went shopping and my card was getting denied so I called and discovered the amount that I knew I had on my card wasn't there because XXXX XXXX and XXXX was charging my card the daily room even though I was paying cash so they were getting paid twice a few items I disputed I disputed an amount and my money was credited back and then the hotel went in a did a hard hit on my card making it negative the exact amount combined that I just disputed so when card company credited it again the money essentially went right back to the owner cause we all know if have a negative account as soon as money is added or credited to your card the negative amount is paid. I went back and forth with this for months with no resolution except to tell me the creditor said the charge was valid and most of the time that was true but they didn't tell that they had already been paid in cash. This hotel has alot of complaints from guest complaints regarding charges that were not authorized. I wish I had looked them up on the XXXX XXXX XXXX beforehand.
Consumer complaint received 2018-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (AK)

This company has ignored my request for validation which was sent in XX/XX/2018. instead they are harassing me with settlement letters. They want me to settle a XXXX debt for {$170.00} yet, will not validate this debt as I requested and my right under law.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (IN)

On XXXX I called to see if I could get a lower interest rate due to hard times with the virus. Customer ser rep said no lower rate was possible. Then she said that I could do a balance transfer for a 5 % fee and pay 0 % Int til XXXX. We went over the plan and I accepted the offer and we did the balance transfer. The transfer got paid on the other card and it showed on my Citibank account. Transaction was completed. 
On XX/XX/XXXX a citibank oper remediation rep called and she had listened to the prior call and said that the rep was wrong to offer the balance transfer. I told her I had a lower rate with the prior card and would never to make sense to pay 5 % fee and then pay Citibank a higher rate. I called customer ser on XX/XX/XXXXwhen I got a statement with Int being charged on the balance transfer. She gave me no solutions and said she could not do anything about it and suggested me having the balance trans delclined from the credit card comp. I want the deal I was offered and that Citibank completed. If i would have gotten a call from citibank before the transaction was completed I might have said ok. I did nothing wrong and oked the info the rep gave me XX/XX/XXXX. The transaction is completed and citibank should stand behind their reps or train them better. The rep said it was a offer she could offer me.
Consumer complaint received 2019-08-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

I disputed a charge for $XXXX dollars at a hotel that charged me for an extra night when I checked out that morning. My bank disputed the charge but now taking the money back out because they said I was there. Why would I pay for one week at that hotel and stay an extra day!? I was gone way before XXXX because I had to work at XXXX!