davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-15
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. (MI)

I received a promotional offer by email on X/X/2017 for opening a Citibank XXXX XXXX credit card. Promotion indicated I would receive XXXX miles in my XXXX XXXX account if I spent {$2000.00} in the first 3 months. I met the spending requirements but never received the XXXX pts in my XXXX XXXX account. After numerous phone calls to both XXXX XXXX & Citibank, I was informed I did n't meet eligibility requirements due to some technical details in the fine print. Apparently Citi has a method for determining eligibility. This should be factored in before sending the promotional offer ... and certainly again when the application was submitted before the card was issued. I never received notice I did n't meet requirements until I inquired 6 months after the credit card was issued. I find the practice extremely deceptive. After lack of resolution, I cancelled by Citibank credit card and will not conduct business with Citi unless this is remedied.
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (VA)

I was on the phone with Chase Freedom General Correspondence Card Service updating my credit card account, personal information, and payment history. I was never late paying my Chase credit card bill. Chase Freedom General Correspondence Card Service was reading my personal information and credit card account to me on the phone, updating my address, area code, phone number, social security number, date of birth, and age, I responded yes on the record line. I did n't realize it was a third party call, after releasing my personal information to them, which it was repeated back to me. When I realize it was a third party phone call, I immediately told Chase Freedom to cancel the call, I realize my personal information was release to a third party, from XXXX XXXX XXXX. When I immediately found out what Chase Credit Card did, I immediately paid them in full and close my Chase Freedom Credit Card, I now have a XXXX balance with them. XXXX XXXX XXXX and XXXX XXXX from Department XXXX, contact number ( XXXX ) XXXX, Consumer Employer # XXXX Dept. Card Member Services confirmation number XXXX were on the third line. I phoned my sister XXXX XXXX about the fraudulent situation, she told me that she was going to pay XXXX XXXX XXXX   XXXX  in full because they were going to use my Social Security number and personal information against me, although I did n't sign or agree to making payment to XXXX XXXX XXXX, it was agreed on the record line that XXXX XXXX XXXX was going to pay XXXX XXXX XXXX  in full following by a confirmation number XXXX. XXXX XXXX XXXX and XXXX XXXX agreed for a full payment of {$14.00}, XXXX confirmed by both XXXX XXXX and XXXX XXXX in the month of XX/XX/XXXX, with a written agreement from XXXX XXXX XXXX, but later I start receiving bills in the mail from purchases that they made totaling {$14000.00}. I never use a XXXX credit card nor receive one in the mail. The agreed confirmation was read to XXXX XXXX XXXX on a record third party phone call, after she agreed to pay the full amount, she has later XXXX, the only proof I have is the confirmation number, and credit card bill. I did not receive a credit card, but instead I received a bill.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (MA)

Happy XXXX and Happy XXXX! - How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX and XX/XX/2020 for 30 or 60 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-27
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: CITIBANK, N.A. (TX)

Citibank N.A, Best Buy Credit Card accessed my credit report without any consent from me. When I called and attempted to fix teh issue by advising the company that the inquiry was done without any authorization. The company seemed confused and said they had no record of the credit request despite it being on my credit report. When requested that they withdraw the unauthorized request they acted confused and disorganized. This request was fraudulent and done without any authorization and needs to be removed. A large bank should know better than to request credit without authorization and should have a means to correct their mistakes.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (TX)

I got my unemployment pay on a US Bank Relia Card debit card from Texas Workforce Commission and set up my online access to the card and about two weeks after getting the card set up I was going to buy a truculent with the funds, well I go to the ATM to withdraw the money and the ATM told me wrong Pin Code so I tried again same thing wrong pin so I grab my phone at the ATM try to log into the app for US Bank Relia Card and the app tells me wrong Username and password so I knew my account had been hacked because I did not change my username or password do I called US Bank Relia Card standing rite there at the ATM had them lock my account rite then they started asking me about some transactions and I told them the transactions that wasnt mine and we proceeded with the dispute well they send me the dispute papers for me to sign and return I got them about 10 days later I signed them and returned them while calling Relia Card almost Daily Collecting Information and they tell me the transactions the dates and type of transactions and tell me a email address to the person who did this and even proceed to tell me how whoever has put in an address change and I tell them that isnt me I did not put in for a address change so they have me send my Id to be verified so I sent the Id numerous times bc they would claim they did not get it or I was given the wrong fax number even by a supervisor so this hold on my card started XXXX XXXX and as of today XX/XX/2021 my card is still locked due to my card having more money taken from it again the first time it was two transactions for XXXX each totaling XXXX dollars the second time it was XXXX transactions totaling XXXX dollars for a grand total of XXXX XXXX XXXX XXXX XXXX Dollars and just to be told again they did not see any foul play in my account when I was on the phone with a representative from US Bank Relia Card on XXXX XXXX and he was the one told me that money was being removed from my account rite now while we was on the phone but yet they tell me they did not see any foul play in my account I believe this US Bank Relia Card should be Responsible for replacing all of my money that was done by bank transfer because if you trace the bank accounts you will come to find out that is not me and I feel that Relia Card did not do any investigation at all in my case do they do not have to pay the money back so if someone can look into this further for me I would appreciate it a lot.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (NJ)

A XXXX  prepaid card account was opened in my name without my permission or authorization. The physical card was delivered by XXXX on XX/XX/21. I called XXXX on XX/XX/21 at approximately XXXX EST, and spoke with representative named " XXXX ''. I informed XXXX that I did not open a XXXX account and that the card was likely an attempt at fraud and identity theft. I asked XXXX to ensure the account was not activated and to investigate the facts and circumstances of how the account was opened. XXXX provided a case number ( XXXX ) and advised me to call back in 24 to 48 hours for more information. 

I called XXXX on XX/XX/21 at approximately XXXX EST and spoke with a representative named " XXXX ''. She advised me that the facts and circumstances around the opening of this account were " in review '' by their " back office '' and could not provide any additional information. She suggested I call back in 24 to 48 hours.

I need to understand how this account was opened and what information was used to determine if I am the potential victim of an identity theft attempt or other fraud. 

XXXX is unable to provide this information.
Consumer complaint received 2019-02-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have a 30 year fixed rate mortgage. I decided to get ahead and start a biweekly payment schedule to make an extra principle only payment annually. According to Wells Fargo 's website : " ... When you split your payments like this, you're making the equivalent of 1 extra monthly payment ... This extra payment is applied directly to your principle balance. '' I started biweekly payments on XX/XX/XXXX and it is now XX/XX/XXXX. Only 1/2 of a monthly payment was applied to principle only on XX/XX/XXXX. There was not another principle only transaction during this period of over 1 year ( 35 1/2 payments ). I any given 12 months only 12 payment are due, or 24 1/2 payments. I made 26 half payments, which is 1 full payment over what I owed. A full principle only payment should have been applied at some point during that year of 26 payments. I am at 35 half payments with only 1/2 payment being applied directly to principle. I contacted Wells Fargo and they responded saying their actions are correct even though it conflicts with information on their website. They said 3 payments have to be made within one month in order to apply a payment to principle only. I don't feel like this practice is fair because on XX/XX/XXXX there was a payment made that could have been applied to principle only and the payments made on XX/XX/XXXX and XX/XX/XXXX would have satisfied the XX/XX/XXXX balance due within the grace period. This arbitrary rule of 3 payments within one month caused me to pay more interest in XXXX than I did in XXXX, which, should be impossible considering I have a fixed rate loan and have never missed a payment.
Consumer complaint received 2020-11-30
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: CBC Companies, Inc. (TX)

FCRA Violation XX/XX/2020 WHY is there another address added that I've never listed or live at? .pdf <<<<<<< WHY IS MY ADDRESS NOT CORRECTED TO MY CORRECT ADDRESS? FCRA VIOLATION. FTC VIOLATION PAST 45 DAYS. 
XXXX XXXX XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on XXXX. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020? <<<<<<< XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on XXXX. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. <<<<<<<< XXXX XXXX XXXX XXXX XXXX, NEVER LATE, FCRA Violation, why is this not verified accurately XXXX? <<<<<<<<
Consumer complaint received 2020-07-07
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. (MO)

SOMEONW STOLE MY INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME, THEY EVEN WENT SO FAR TO PAY ON THE ACCOUNTS UNTIL I REPORTED IT TO THE FTC AND THE XXXX POLICE REPORTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED : XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX   OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX USA OPENED XX/XX/XXXX XXXX XXXX  OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MO)

My original creditor was Amazon credit card. They sent the debt to collections, XXXX XXXX XXXX XXXX, a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, community point bank on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received itXX/XX/XXXX. OnXX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received itXX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX. XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore.
What can I do?
Thank you
Consumer complaint received 2017-09-15
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: DISCOVER BANK (CA)

I paid {$6000.00} to XXXX XXXX XXXX XXXX XXXX to repair my car on X/XX/2017. using my Discover Credit card check ( # XXXX ), Two weeks before i went to go pick up my car, I told the owner i will be coming to get my car and he said okay. When the time came, he did n't pick up his phone after I tried calling him many times and when i went to his shop, it was closed. Later, I found out the owner of this place shut down the shop. I was able to retrieve my car from the towing company and found out my car was never repaired. I filed a dispute with Discover Credit card company in the amount of {$6000.00} ( claim # XXXX ) in regards to the mechanic not repairing my car. However, the Account manager refused this dispute because they stated it was a balance transfer so it does not qualify for a dispute.
Consumer complaint received 2022-07-05
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Affirm Holdings, Inc (PA)

On XX/XX/2018 I entered a consumer credit transaction in which I was the creditor and extended credit to AFFIRM INC through my open end credit plan Pursuant to 15 USC 1602 ( g ). AFFIRM INC then disclosed my nonpublic personal Information directly to a third party with out providing me with a notice or opportunity to exercise my right that such not be disclosed. Pursuant to 15 USC 6802 ( b ) AFFIRM INC has used interstate Commerce for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a ) I spoke with several representatives from AFFIRM INC and they have reported to the credit Bureaus ruining my credit worthiness and harming me physically. Credit one bank has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f.
Consumer complaint received 2021-01-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I sent a letter to XXXX Equifax, and XXXX on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. Equifax, XXXX, and XXXX are not complying with their own policies in a timely manner. 

Also address and name should be updated only to XXXX XXXX XXXX XXXX always confirming middle intial ) XXXX XXXX XXXX. 
XXXX, NJ XXXX
Consumer complaint received 2021-01-26
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. (NJ)

The following addresses are incorrect/invalid with Equifax : XXXX XXXX XXXX XXXX  XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, New Jersey XXXX Please remove, please send an updated report once this is done as required by FCRA regulations.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XXXX of XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit report.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NV)

I recently disputed this information with the credit beaurus and they stated this information was valid I have received no paper work confirming the validation of this account. This is a violation of my consumer rights. Ive been distressed and struggling through this pandemic to soon find out this false information is apprearinng on my report Ive listed all the violations that have been violated 806. Harassment or abuse 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.