davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

Citibank offered me a {$400.00} bonus to open a checking account. After doing some research I realized that Citi has been frequently failing to honor their bonuses, so I contacted customer service ( via secure online message ) after opening the account to ensure that I met all of the requirements to receive the bonus and also to inquire as to when the funds would be credited to my account. I have attached this letter confirming that I would recieve the bonus as supporting documentation. On XXXX/XXXX/2017, I contacted Citi via online chat for the second time regarding the funds as this was the date they said the {$400.00} would be credited to my account. The representative again confirmed I would receive the bonus, but said to wait another day for funds to appear. I initiated contact for the third time on XXXX/XXXX/2017 via phone. I have included specific details about this conversation as supporting material. The representative during this conversation stated she spoke with a supervisor and that the bonus would be credited by the end of the statement cycle around XXXX/XXXX/2017. I received that statement, but no bonus has been credited. Finally, I contacted Citi again on XXXX/XXXX/2017 via online chat to ask why they are withholding the bonus. I will include this screenshot as documentation. The representative told me that there was an email sent to me regarding the bonus, but I have never received any sort of communication from them ( mail or email ) regarding my attempts to collect the bonus. I feel that they have been extremely deceitful in dealing with my account given that I met all conditions of the offer as confirmed by XXXX of their representatives and was told I would receive payment nearly a month ago. These business practices are unprofessional, misleading, and unwarranted. I have heard that they have been doing this to many customers and I believe they should be reprimanded for it given that they are offering a bonus and not fulfilling their end of the agreement as stated. I hope some action can be taken and I am thankful that this resource is available.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (AZ)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
Consumer complaint received 2022-10-31
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. (GA)

In accordance with Fair Credit Report Act, XXXX XXXX account # XXXX and acct # XXXX has violated my rights and clearly in violation of 15 USC 1681 . Both accounts are reporting illegal late payments and inaccurate days of these late payments.

15 USC 1666b says .... A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-10-31
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. (OH)

In accordance with the Fair Credit Reporting act has violated my rights. XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX  XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX CARD SERVICES Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDClosed on XX/XX/XXXX, XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX, XXXX LT Closed on XXXX XXXX, XXXX, XXXX Closed on XXXX XXXX, XXXX XXXX XXXX  / XXXX Closed on XXXX XXXX, XXXX Bankruptcy XXXX Bankruptcy XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-07-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, Chase sent me a loan modification mortgage assistance package. In a letter dated XX/XX/XXXX, Chase approved me for a Trial Payment Plan ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). 

At page XXXX, paragraph XXXX of the Trial Payment Plan, it explicitly states that once the modification is complete, " Chase will report the modification to the credit bureaus as modified under a federal government plan or loan modified based on the modification type and will report my loan as current if payments are received within 0 to 29 days of the due date ''. I complied with the terms of Chase 's Trial Payment Plan, and Chase did not report to the credit bureaus. 

XX/XX/XXXX, Chase offered to modify my loan and I accepted the offer. The purpose for the Agreement was to modify my original loan with Chase. The Agreement remains in effect. During a recent application for consumer credit, I was informed that my modified loan and related payments do not appear on my credit report. 

Chase 's Agreements contain various loan provisions, including enforceability, obligations, maturity dates, and payment schedules. Such provisions clearly relate to both parties financial and /or legal obligations to comply with the terms of the Agreement. 

It is unconscionable for Chase to not comply with the terms of the Agreement regarding reporting the modified loan to each credit bureau. It is clear that despite numerous lawsuits against Chase, its practices continue to be anti-consumer and breach the terms of its Agreements. 

My request is for Chase to immediately notify each credit agency ( XXXX, XXXX and XXXX XXXX ) of the modified loan and report all payments under the Trial Payment Plan and Modification Agreement. These payments are from XX/XX/XXXX going forward.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I recently did a refinance on my home and included a payout to my credit cards. Macy 's was sent a check on XX/XX/XXXX in the amount of {$2000.00} from the title company. The check included a letter with my information along with a memo on the check with my address and last four digits of my credit card. The check was received by Macy 's on XX/XX/XXXX. The check was cashed on XX/XX/XXXX. I have contacted Macy 's customer every week at least twice a week since they received the check which at first they claimed they did not receive. I put in a dispute and then they stated that they don't know where the check was credited. When I call the customer service they know nothing and just keep saying that billing will look into it but will not give me a phone number for billing. I then received a letter from Macy 's on XX/XX/XXXX stating that as of the date of the letter they had not received my check. I then faxed them the ups receipt that they did receive the check and a print out from the title company of the cashed check. I do not think that any consumer should have to go thru this to make a payment. Needless to say I am now out of {$2000.00} dollars that Macy 's claim they can not find.
Consumer complaint received 2022-05-02
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: EdFinancial Services (CA)

I had a loans transfer to another company ED Financial Services. They kept old info on my report. I called them in XX/XX/2022 to rectify. Nothing was done. I did not have late payments to this loan. Only because of covid 19 and transfer of this account did these payments stop. account # XXXX amounts {$1800.00} and {$1000.00} In accordance with the fair credit Reporting act convergent account # XXXX, has violated my rights. 15 USC 1681 Section 2 : States I have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-02
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. (NJ)

In accordance with Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy. 15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. Name to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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. (FL)

In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX  Account number : XXXX, Account Name : XXXXXXXX XXXX XXXX  Account number : XXXX Account Name : XXXX, Account number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account number : 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 an account without my written instructions. 



15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven year.

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. urate.
Consumer complaint received 2022-10-31
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. (NJ)

I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Equifax are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law. I will pursue litigation if you fail to delete this information outlined in the letter enclosed.
Consumer complaint received 2016-05-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Meyer & Njus, P.A. (IL)

XXXX/XXXX/XXXX I had an agreement with Meyers and Njus to pay {$1200.00} amount was paid in full XXXX/XXXX/XXXX. XXXX/XXXX/XXXX they are telling me I still owe the {$56.00} in interest that was not in the agreement. The FDCPA states they ca n't add interest, fees, or charges not authorized in the original agreement.
Consumer complaint received 2020-06-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AR)

I have been continuously trying to work with Wells Fargo and they have never tried to help me. Their excuse was that they never spoke to me but that is a lie. 

I now have a counselor that is helping me save my home and they continue to delay my review! I have told them several times that I want a modification. I am veteran that is trying to save his house but I am not getting the help from Wells Fargo.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

XX/XX/XXXX, I did a consolidation loan in which {$9700.00} was to go to Barclays card for my XXXX Credit card. IT was {$1000.00} more than the current balance and that was to apply it to another card that I was not able to apply it to directly. 

The money was placed in the incorrect account, XXXX XXXX XXXX XXXX and my card is XXXX XXXX XXXX XXXX. Several calls to Barclay 's and XXXX and no results. Never a call back. Even three way calling with the lender did not get anywhere. We where informed that the could see the deposit and needed proof that it was supposed to go into my account. We faxed them and sent an email and by mail. They say they never received anything. 

The money was received in the incorrect account on XX/XX/XXXX. 
I was told that there would be not interest charges or late fees and it would not effect my credit and they would fix everything. They removed the XX/XX/XXXX late charges and interest but have not done so for the XXXX, XXXX, XXXX, Payments and I am not paying on this card until this happens. 

The lender has sent me the check directly and need to get this straightened out in order to make a payment plan, althought they still have the money.
Consumer complaint received 2022-05-02
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. (NY)

I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over XXXX XXXX I contacted my credit card company XXXX to see what is my best options. And the XXXX Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your Equifax credit report regarding your XXXX XXXX XXXX My score decreased XXXX XXXX because I contacted XXXX about the purchase I made for a service I never received and I wasnt reimbursed.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (FL)

Someone opened couple accounts in my name using my information that theyve stole somehow I didnt know how they took my information but they did I believe it probably happened when Im doing online purchases and Im always using my information applying for something I XXXX  my drivers license and bank card and the information is stored and thats how I believe they was able to get ahold bid my personal information and use it against me and apply for different bank account regions bank is one now Im getting calls and letters sent to me for 2 accts I have know nothing about totaling over {$1000.00} and another acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX  I dont know what to do about this Im at my wits end Im thinking about just filing for bankruptcy and just start all over
Consumer complaint received 2022-06-01
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: Colony Brands, Inc. (VA)

I started receiving a bill from Montgomery Ward in XXXX of XXXX. I thought it was spam mail so I ignored it because I monitor my credit and none of the three bureaus were reporting a Montgomery Ward account in my name. After 3 months my credit dropped over XXXX points due to the Montgomery Ward showing up on my credit with no payment made on $ XXXX worth of charges. I don't understand how a fraudulent card/account was opened in my name and not receive a 'ping ' from XXXX XXXX or any of the bureaus like I usually do when I authentically open up a credit card account. I also never received the card, only the bill. How can someone open up a credit card fraudulently and a company mail the card to another address in another State? Montgomery Ward was informed of this when I spoke to them and they referred me to this website. Not sure why... so I am filing this. I also filed fraud with Transition, XXXX and XXXX. I want Montgomery Ward to remove this negative information from my files ( 3 bureaus ). When I spoke to them they said 'oh yes I see this isn't you ' but they don't give me any other information other than the card was mailed to a different address in another state ( good grief ). Why would they do that? That is a red flag! They seemed to know that this was fraud.
Consumer complaint received 2022-05-02
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. (PA)

In accordance with the fair credit reporting act XXXX  Acct # XXXX XXXX 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 an account with out my written instruction
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Name of company : XXXX XXXX XXXX account # XXXX Name of company : XXXX XXXX XXXX account # XXXX Name of company : XXXX XXXX account # XXXX
Consumer complaint received 2022-05-02
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. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX ACCOUNT # XXXX ACOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # 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
Consumer complaint received 2022-05-02
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXX, has violated my rights. Per 15 U.S.C Section 602A, states I have the right to privacy. And per 15 U.S.C. Section 1681 Section 604A Section 2, states a Consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXX, has violated my rights. Per 15 U.S.C Section 602A, states I have the right to privacy. And per 15 U.S.C. Section 1681 Section 604A Section 2, states a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-02
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. (PA)

In accordance with the fair credit reporting act convergent Acct # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX. XXXX XXXX XXXXXXXX XXXX states i have the right to privacy. 
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish a account with out my written instruction.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.