davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

A manager at Citibank in XXXX, CA offered me XXXX different promotional bonuses ( XXXX bonus of {$800.00} and a XXXX bonus of 5 times the current interest rate ) if I opened a checking account with {$100.00} and a savings account with {$200000.00} and kept the money in the accounts for 90 days. ( She also talked me into applying for a Citigold Double Cash Reward credit card and told me it was a Visa card, which I needed. When I received the credit card, it was a MasterCard, not a Visa card. ) After the 90 days, I finally received the XXXX bonus of {$800.00} but the branch said they had to file a dispute for the XXXX bonus. I spent over a week visiting the branch and calling Citigold 's customer service number multiple times, and was given XXXX completely different reasons why I had not received the XXXX bonus. The branch manager finally told me that the manager who opened my accounts made a mistake telling me I was eligible for both bonuses and refused to honor the XXXX bonus even though she agreed it was their manager 's fault. I could have complied with XXXX the other XXXX reasons why I supposedly was not eligible for the XXXX bonus, but after speaking with the branch manager, I closed out both of my accounts since it seemed fruitless to pursue the matter any further.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

On XX/XX/2022 my bank balance was current and showed a postive balance on my online banking protal. US Bank charged me exesive overdraft fees. The overdraft fees essentially trigered my balanace to go negative which then resulted in more overdraft fees and NSF Fees totaling over XXXX. This is a finaicnal burden and misleading financial practices.
Consumer complaint received 2021-11-15
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. (OK)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXXBalance {$660.00} XXXXBalance {$660.00} XXXXBalance {$550.00} XXXX XXXX XXXXBalance {$1100.00} XXXX XXXX XXXXBalance {$3000.00} XXXX XXXX XXXXXXXX-Balance {$1300.00} XXXX XXXX XXXXXXXXBalance {$220.00} XXXX XXXX XXXXXXXXBalance {$110.00} XXXX-Balance {$180.00} XXXX XXXX XXXXXXXXBalance {$0.00} XXXXBalance {$150.00} XXXXBalance {$6.00} XXXXBalance {$0.00}
Consumer complaint received 2021-11-15
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (AL)

I have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( XXXX ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. 

I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
Consumer complaint received 2022-11-11
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)

I called XXXX and Equifax after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this XXXX  account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to XXXX and Equifax on XX/XX/22. I believe they have failed to authenticate the account in line with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 


XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (OH)

I received a call from XXXX ( XXXX ) XXXX XXXX. A lady asked if I hear her well an I said yes. Immediately after my answer, a message started claiming that Chase credit card has been trying to reach me regarding my account several times. I hang up and called the number back but a man answered me with hello only. I asked why I received a call from that number he hung up immediately. And then they called me at XXXX XXXX  after that. 
Please investigate that. number. 
Please know that I don't have any business accounts with Chase not so ever. I never opened or tried to open an account with Chase in any form. I don't have a Chase credit card, nor a Chase debit card. 

Thank you
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all 3 credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX  Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022.
Consumer complaint received 2016-12-21
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters calls me multiple ( more than 3 ) times per day from different phone numbers. I answered the phone today ( XXXX/XXXX/16 at XXXX ) and I explained to the collector, " Your company calls me repeatedly and I am at work, I am unable to receive calls. '' The woman on the phone stated, " No we do n't, you 're making that up. '' I informed the woman that I would be filing a complaint and calling her supervisor, to which she became increasingly volatile and condescending. I left a message for the collector 's supervisor, XXXX, around XXXX. I have not received a call back.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

Last month ( XX/XX/2019 ) I discovered a number of credit cards on my credit report that did not belong to me. I called each company and none of them had any record of me. I called all the credit unions ( Equifax first, XXXX, XXXX  ) and submitted disputed after freezing my accounts/starting a fraud alert. Most of the credit companies removed the information immediately, but Equifax just got back to me saying that one of the cards that was on my account was confirmed as mine. Its got a significant balance on it and most definitely isnt mine. With the dispute result they gave me an account number, but according to the bank ( XXXX XXXX  XXXX  ) they cant do anything unless I have a credit card number. So they told me to talk to equifax. Equifax has been delaying me with a faulty automation system driving me in circles until they finally let me talk to a representative. When I get to the representative they spend a long time confirming my identity, only to put me on hold or transfer me, ultimately leading to me being hung up on either personally by a representative or by automation. They are deliberately ignoring me and refusing to do anything.
Consumer complaint received 2016-11-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (NC)

Midwest recovery systems has filed a false claim on my credit report. I never recieved any notification about a debt or communication. It is reported on my credit report as of XXXX XXXX 2016 for a XXXX XXXX XXXX. XXXX XXXX XXXX I have researched is a " pay day '' loan company. I have not taaken out a pay day loan and do not owe this debt. I have been monitoring my credit for the last 3 years and this just appears without any notice. I have written them and demanded they remove this negative item immediately. I also imformed them that " Payday '' loans are illegal and unenforceable in NC. I have not taken out a payday loan, and do not owe this debt. I am a XXXX and will take this to litigation as a class action suit as I am sure I am not the only XXXX they victimized in this manner.
Consumer complaint received 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

On XX/XX/XXXX, I called FedLoan and processed a request for a refund ( eligible under the CARES Act ) for XXXX federal student loans paid off in full : - {$1000.00} paid off on XX/XX/XXXX - {$1000.00} paid off on XX/XX/XXXX A FedLoan representative informed me that the refund could take an estimated 2-5 months, and said that the money would be sent to me by checks in the XXXX Mail XXXX 

On XX/XX/XXXX, I called FedLoan to request to cancel the refund that I had processed on XX/XX/XXXX, out of fear that the checks being sent to me in the mail would be stolen ( I live in a city that is currently experiencing an unprecedented amount of check theft in the mail ), and with the additional knowledge that the payments I made would now be automatically refund by XXXX XXXX student loan forgiveness program. The FedLoan representative I spoke with informed me that they could do nothing for me, as they had transferred my account to a new servicer, XXXX, and directed me to call XXXX in order to process my request for a cancellation of the refund. 

On XX/XX/XXXX, I called XXXX and requested a cancellation of the refund of the {$2000.00} in student loans that I had earlier filed with FedLoan Servicing. The XXXX representative I spoke with informed me that they could not process my request for a cancellation of the refund because they had not yet received a record from FedLoan Servicing of my payments made. The representative said that they ought to receive my records from FedLoan Servicing in 2-3 weeks and recommended that I call back in XXXX weeks to check. They assured me that we could process the cancellation of the refund at that time. 

On XX/XX/XXXX, I called XXXX and requested a cancellation of my refund. The representative said XXXX still hasn't received any information about my old loans from Fedloan, and said it may be a month or more before they receive it. 

As of XX/XX/XXXX, XXXX still has not received any information from FedLoan servicing about my history of payments.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I RECENTLY RECEIVED A LETTER ABOUT A XXXX  XXXX DATA BREACH AND I WAS ADVISED TO CHECK MY CREDIT REPORT TO MAKE SURE I WAS NOT A VICTIM. I HAVE NO INTEREST IN CREDIT SO I NEVER REALLY CHECK MY CREDIT REPORT. I WAS AMAZED WITH THE DAMAGE THAT WAS DONE TO MY CREDIT. ALL THE ACCOUNTS AND INQUIRIES ON MY REPORT WERE NEVER AUTHORIZED BY ME NEITHER HAVE I EVER RECEIVED ANY TYPE OF SERVICE FROM ANY OF THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT AND I HAVE ALREADY REPORTED THIS CRIME TO MY LOCAL POLICE DEPARTMENT. THEY ARE CURRENTLY INVESTIGATING AND ADVISED ME ON THE STEPS TO DO NEXT. 

THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT IS AS FOLLOWS : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (OK)

I have had direct deposit to this account biweekly on fridays since XX/XX/XXXX. I have had overdraft availability since XX/XX/XXXX. On XX/XX/XXXX a transaction showed up on my account in error, showing a Charge Off debt of {$140.00}. Stating my account had been negative - {$140.00} for 90 days. That is impossible and not correct. I also received an email saying my overdraft had been Deactivated. I called cust service the next day and explained the situation and the rep said she fixed it and she turned my overdraft back on. It was fine until XX/XX/XXXX when I received another email saying my Overdraft had been Deactivated. And a transaction with Write Off recovery of {$140.00} showed in transactions. I called cust service over the next few days and was told several reasons that made no sense. But ultimately was told that yes, they see Ive had direct deposit to cover any negative balance within 14 days maximum. And that Ive never been negative longer than 14 days, if that. The account has several transactions and deposits showing activity the entire time since XX/XX/XXXX and during incorrect negative claim time period. However they refused to remove these incorrect transactions and told me my overdraft is suspended for 6 months because they dont like the way I use it and they have the right to take it away at any time with no notice.
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (TX)

Original Creditor : DISCOVER FINANCIAL SVCS ( Discover Card ) - who hired collection agency Attorney for Collections : XXXX XXXX XXXX of XXXX, TX XXXX ( new name of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX, Texas XXXX ) I hired an attorney to help make payment plan, and avoid judgment. 

Payment Plan agreed ( XX/XX/XXXX, Agreed Judgment dated XX/XX/XXXX, Debt fully paid XXXX XX/XX/XXXX No communication from Plaintiff XXXX XXXX XXXX XXXX 

Fast forward : XX/XX/XXXX ( 7 years AFTER last payment was sent in to satisfy debt ) : My attorney contacted by XXXX et al threatening repeat collection action, judgment, discovery interviews, depositions - against the SAME DISCOVER BANK debt. 

This is a fishing expedition - trying to collect on past customers/clients/debtors who still own assets on record, and may be even against those that may have died in the intervening seven years. 

CAN THEY REALLY DO THAT??
Consumer complaint received 2022-11-10
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 XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXXXXXX XXXX XXXX  Account XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Accounts # XXXX. 

has 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 2022-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

i have no idea who this company is that trying to collect a debt for insurance. i already have insurance. i don't owe XXXX XXXX insurance no money. since when do insurance companies collect on a debt. this company is fraudulent, and i don't owe then a dime.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (FL)

My Macys credit card has been paid on time since I opened it 30 years ago. I had it on an auto pay schedule. Somehow the auto pay was removed and I was getting late charges and reported as 30 & 60 days late. Macys said they mailed me a letter however, I did not receive them and then my area was severely hit by hurricane XXXX. 
I spoke to Macys regarding this problem and paid the credit card off immediately. I have spoken to Macys several times over the period of two months and I was never told that the credit card was reporting late because it wasnt paid by the auto pay. I just discovered this late When I applied for a mortgage. The mortgage broker said my credit score had dropped over XXXX points. My score is currently at a XXXX and it was previously at an XXXX or XXXX. Ive never made a late payment in my life let alone a late payment on this particular card. 
I need to get this resolved ASAP as I am trying to buy a new home that closes by the middle of XXXX. 
Urgency is of the Essence. 
Macys told me today that they will send it up to their team and that they will be able to get back to be with their results within 30 days or longer. That timeline is very long and I need to try to move this along more quickly. I have been very diligent in making my payments on time for my entire life only to come to this one snag that is going to affect me being able to close on a new home. I am currently homeless due to XXXX.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (IL)

Visa vanilla card has refused to credit back a return started on XXXX from XXXX who has confirmed that they have already sent the funds back to visa. For the past week visa has been lying to me about when the funds will be available its already last the days they have for the refund to process. I called today and spoke with a very nasty representative who refused to transfer me to his supervisor telling me they the supervisor would tell me the same thing and that it would be an additional 7 business days for my refund to credit back to the account.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax Credit report is reporting two mortgages from same lender, different addresses and balance amounts. Missing payment history for the month of XX/XX/2019. These two accounts reporting do not accurately reflect my credit report, as my debt to income ratio for a mortgage now doubles. Which would possibly make it difficult for me to obtain a loan or extension of credit currently. This is a violation of the Fair Credit Reporting Act. I wish to have this mortgage loan reported current, accurate and as one account not two.
Consumer complaint received 2022-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I was late on paying my property taxes for XXXX. I was in the process of applying for Mortgage relief fund when I realized Rocket Mortgage paid my taxes and created an escrow account. My paying more than doubled from {$1300.00} to over {$2900.00}. I could have setup a 5 year payment plan with the county instead repaying everything within a year. I asked them to send the paperwork, allowing them the right to pay the taxes and create a escrow account. They sent me a document that doesn't have my mother 's signature. There are XXXX pages and every signature looks different.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED COMMUNITY BANK (NC)

I was charged a {$72.00} overdraft fee on XX/XX/22 by United Community Bank as soon as my {$500.00} deposit was made pending to my account. I have no idea why or what transaction caused it, and based on my review of my account it looks like it caused my posted balance to become - {$20.00}. 

This {$72.00} sounds exactly like what CFPB stated was illegal with their recently issued policy guidance. It is certainly predatory and usury. Amusingly, the circular describes these outrageously high surprise fees as being " as high as {$36.00} '', when this one is DOUBLE.