davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened the Citibank checking account with a specific promotion. Both the banker and the main brochure confirm that I am eligible to receive the promotion bonus of {$700.00} once I put new money of >= $ XXXX and keep them in the account for 60 days. 
When I opened the checking account 3-4 months ago, the banker double confirmed that as long as I put over $ XXXX in the new opened account and keep them for the required period, I would receive the {$700.00} bonus. 
However, everything looks to be cheating customers. After the completion of the program, I only received {$300.00} bonus instead of {$700.00}. Citibank says that only certain methods of deposit are allowed, and the XXXX transfer of just a few thousands dollars are not counted. 

It's really a behavior to cheat customers. Because the banker who opened the account for me emphasized and confirmed that the only requirement is to keep >= $ XXXX balance in the account for 2 months. However, after everything completes, Citibank says that a few thousands of deposit are not counted but the banker confirmed that there was no requirement on the deposit methods. 

I think Citibank is doing this to cheat customer. They hide the information to be not obvious at all and the banker mislead you on purpose. As a result, they can defend themselves that you keeping the $ XXXX balance in account for months does not meet the requirement so they DONT need to pay you the deserved bonus. 

It's the worst banking experience I have ever had. I put the $ XXXX in the account for almost 4 months but ended up NOT earning the bonus I deserve. All the misleading information is cheating customers on purpose to do things in the wrong way to avoid paying out bonus as much as possible. 
I just CAN NOT understand why the requirement confirmed by Banker ( holding $ XXXX balance in account for 2 months ) ended up to be not working.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I own a condo unit. I have n't made a payment on in 72 months. That 's 6 years. 
The unit wo n't foreclose. Back in 2011 there were auction dates but everytime the auction was cancelled. 

For the past year i have tired to short sale. 
About 6 weeks ago I discovered that BofA will not Allow me to short sell the unit. I am not eligible. 

Ok ... So I went over to deed in lieu department And I was denied there too. Too many secondary liens. 

My credit can not repair until this unit is gone. 
Regardless of what I do. The bank continues to report late. I think it completely irresponsible that BofA Has take this long to foreclose and wo n't allow me these other options.
Consumer complaint received 2022-06-04
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)

n accordance with the Fair Credit Reporting act XXXX US DEPARTMENT OF EDU # 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 2022-10-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc. (CA)

Called Tek Collect XX/XX/22 and XX/XX/22 left msg for a XXXX XXXX. I have a new evidence on the the illegal debt collection of this account and how it is being reported. See attachment for details. The reporting of this account maybe be out of compliance according to industry standards.
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MO)

Transworld Systems is currently attempting to collects debts which are the result of fraudulent use of my identity and identity theft. The company has violated both the FCRA and the Fair Debt Collections Practices Act. The company is not licensed in states where they are attempting to collect debt. The company shares private information with employers and family members and used harassment tactics to collect fraudulent debts on my credit file in the amounts of {$1000.00} opened XX/XX/2021 {$970.00} opened XX/XX/2021 {$660.00} opened XX/XX/2021 These debts are fraud and identity theft and must be deleted from my credit file immediately under Section 609 of the FCRA.
Consumer complaint received 2021-04-16
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 — Problem with personal statement of dispute
Company: FIRST HORIZON BANK (TN)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (WA)

Contacted EdFinancial by phone on XX/XX/2022 regarding a refund of my student loan payment for a total of {$8200.00}. My reinstated loan total should be {$9000.00}. They confirmed my request and said it had been submitted for processing but stated it could be up to 6 months before the loans are reinstated and the refund is made. 

In the meantime, others who have requested after me have received their refund, but every time I check on the status of my balance and refund, they have no information. I never got a confirmation of any sort and I have no clue if anything is actually being done. I will be considering legal action if their insanely slow timeline causes me to make unnecessary payments and I want my loan reinstated as soon as possible, the refund is less important, and I can wait on that.
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

On XX/XX/XXXX, I was a victim of identity fraud. Someone went into a XXXX and XXXX XXXX XXXX store and purchased 2 XXXX at both stores. I have an open XXXX account where I tried to stop the fraud, but was too late. I was able to consult with a XXXX representative the next day and the fraudulent phones and charges were removed. 
XXXX XXXX XXXX on the other hand has completely mishandled this situation. 
They do not allow you to speak with a human being, and are required to submit a form online. I submitted numerous forms ; only for XXXX XXXX XXXX to wrongfully deny and continue seeking the fraudulent debt. 
The {$2200.00} debt went into collections and was reported to the major credit reporting services earlier this year by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. 
I contact XXXX 's legal team on XX/XX/XXXX, demanding information to validate the debt, and/or demand the debt be considered fraud. 
On XX/XX/XXXX, XXXX XXXX counsel XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, responded that it placed the account in fraud status, and requested deleting of the derogatory tradelines appearing on my credit reports. 
In XX/XX/XXXX, XXXX XXXX XXXX again sent the fraudulent debt to collections with AFNI, XXXX, who also reported the debt to the major crediting reporting agencies. 
As a result, I was hit on the interest rate on the vehicle I purchased in XX/XX/XXXX. 
Damages will be demanded.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (GA)

Website was not allowing me to freeze my credit report. 
Demanding security freeze on accounts held in my name. 
Violation of 15 USC 1602 ( p ) and 15 USC 1681i.
Consumer complaint received 2022-10-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (MO)

On or around XX/XX/2022 I went in to PNC BANK to apply for a loan in the amount of {$32000.00} and was denied. PNC BANK claims that they were using the FCRA guidelines but all together failed to satisfy the XXXX mandatory requirements of having a determining factor of my denial of the loan. PNC BANK also shared my private information with third party companies without permissible purpose. PNC BANK also denied me an extension of my own credit under the FTC which is clearly credit discrimination. XXXX XXXX number : XXXX
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

I went into a local CitiBank branch and opened a checking and savings account based on some promotional offers being offered by the bank. About 30 days later my checking account was frozen but the savings accounts were left as normal. 

As of 2 weeks later my checking account is still frozen due to their fraud prevention department flagging the account a fraud and not allow me access to the monies deposited. I have not received any communications as to why my account was frozen. I went into the same branch again to retrieve my funds, was only able to access my savings accounts but the checking is blocked. 

Where is my deposited monies.
Consumer complaint received 2022-03-06
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. (NJ)

First off does the CFPB have any actual power because all I have done is fill these stupid reports out and get a nasty response from the credit reporting agencies and creditors directly. I want to know exactly what power the CFPB has because if I am spinning my wheels here wasting my time sending in complaint after complaint and all you people do is forward them to some not even middle management idiots. Your agency is an utter waste of taxpayer dollars and should be shut down ASAP. Having said that here it is one more XXXX  time.

I am including pdfs of everything for evidence because Equifax 's site is so screwed up it will not take uploads for documentation. I have asked the XXXX candidates to fix my report. Almost every account is reported 4 or 5 times. That is XXXX. Then you can't actually attach or upload anything because their site is XXXX UP. When you call into the " HELP CENTER '' they are about as helpful as XXXX on a bull. Off-shored and the English is barely understandable. Let 's see what the brain trust at CFPB can do this time around. I have asked EQUIFAX to update my XXXX bank account and of course, they claim to investigate which is XXXX. I fax them in documentation which they clearly use as toilet paper. So here is what I sent them, see if you can get these XXXX to fix the stupidity that is.
Consumer complaint received 2022-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

ERC continues to attempt to collect a debt that doesn't belong to me. I have already disputed this debt. They agreed to close it. Now I receive a letter stating that they have been authorized to report this account to the credit bureaus. They are playing around, this isn't my debt, and again, they keep saying that they have closed the account and they haven't. I am not paying a debt that doesn't belong to me. My next step will be to sue them for the max that the law allows if they do not close this account and stop trying to collect on an account that doesn't belong to me. This is NOT my debt. 

First they sent this to my parents house at the end of last year. I disputed it and they agreed to close the account. Now they are back at it. This is the last time that I will dispute this. I will hand it over to an attorney if I see this on my credit report.
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/XXXX to after five months and 20 days PayPal stole {$5800.00} from my account and refuses to tell me why or what damages they incurred in order to steal this money from me. They are committing securities fraud. They are a total scam. They claimed they would give me my money back in 45 days at first if no damages were found. Then they claim they would give it back after six months and 10 days before that date they stole all the money. On XX/XX/XXXX.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I've tried to dispute with the car company XXXX and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. XXXX is reporting incorrect and mismatching data for all 3 credit agencies ( XXXX, Equifax, XXXX ). I've disputed multiple times with the agencies and with XXXX and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

I had a checking account open with US Bank. I came inside for service. I had someone ask me if there was a way that I could help cash a check that was paid to him a concert he had participated in. The check was over XXXX dollars. When I say the amount I didnt believe it. I asked the teller inside if she knew if the check was fraudulent right away because I didnt believe the person who signed the check over to me exactly. At the time she looked at the check and said that she wouldnt know if it was fraud or real for a few days. I was very much on the side of things being fraudulent and I expressed to her that I didnt want to be a part of it if it was fraudulent. I expressed with deep regret that I believed it to be a bad check. She then asked me if I wanted XXXX dollars upfront that day. It was the most exhausting time. I felt obligated for some reason by two parties, and I didnt feel that US BANK cared about my account as a XXXX. I barely had income during that time. Her and I went back and forth about if I should take the XXXX dollars and wait for the check to clear. It was very discouraging. In the end I took the XXXX dollars and walked over to the ATM the US Bank Drive through where the man I knew was parked. I handed him all the money, XXXX dollars. I came back into the same location after a few letters in the mail about my account being closed and negative. I was very upset about the outcome and asked for the manager who was a woman. I was told that there was nothing the bank could do for me that my best option was to pay the negative balance and fee. I asked if we could call the police and the manager replied no the bank can not call the police or do anything for me and she asked me to leave the bank. I also was told that I used the ATM the day of the incident instead of coming inside the bank. That was not true. I left in tears that day.
Consumer complaint received 2022-06-04
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)

n accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A. (WA)

I am getting repeated phone calls including before XXXX am on XXXX for a 15 day late payment to a Macy 's card!!! 
This is abusive. Every day calls. 
Today XX/XX/04 at XXXX am and XXXX am Yesterday XXXX calls as well starting at XXXX am and every single day since they started about a week ago. 

The credit card is from macy 's by dept stores XXXX XXXX.
Consumer complaint received 2022-03-06
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 XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX vacation Account # XXXX, and XXXX XXXX XXXXAccount # 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
Consumer complaint received 2022-03-05
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. (GA)

I would like to note that XXXX XXXX has been harassing me within the last month. They have been excessively reporting derogatory information to the credit bureaus. 

Most companies have a reporting schedule in which they report monthly, but XXXX has reported 4 times to the credit bureaus between XX/XX/2022 and XX/XX/2022. This is less than a month 's period. I have attached proof. 

Attached is the record of times that XXXX has reported negative information to my credit bureau. This violates Fair Credit Reporting Act and this is a bullying tactic, in addition to the other tactics they use, to extort money out of citizens. 

XXXX has reported to my credit on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Please see the attached. 

Thank you. 
XXXX XXXX
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc. (CA)

I have XXXX student loans with Firstmark Loan Servicing. XXXX loan is on automatic bill pay the other is not. The loan that is not on this service I do not receive statements for or any type of notification of payments due. I would have to log in to read any messages. No communication is sent by mail, phone, or email. Anyway, because of this coupled with some of my loans being under COVID forbearance I did not realize my loan payment was due and incurring monthly late charges and negative affecting my credit score. I paid my outstanding balance.
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I recently checked my credit report history and seen there was inaccurate information on my account in regards to XXXX I did not sign for nor I did agree to this account being open i am filling this complaint to ask that it be removed from my credit history the account number is XXXX
Consumer complaint received 2022-06-04
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. (NC)

I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this.

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT.

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).
Consumer complaint received 2022-03-05
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. (NJ)

I recently applied for a mortgage and received a credit score information disclosure from my lender. According to the disclosure, the Equifax score was calculated using the " EQUIFAX/XXXX XXXXXXXX XXXX '' model. Equifax assigned me a score of XXXX ( on a scale of 334 - 818 ) and listed as one of the " Key Factors effecting the score '' the alleged presence of " TOO MANY CONSUMER FINANCE ACCOUNTS '' on my report. I have been in the market searching for a home for almost a year, and given the extended search period my lender has had to run my credit more than once. This is therefore at least the second time I've received a credit score information disclosure from my lender that references the same negative factor being reported by Equifax. No other credit bureau makes reference to any such factor. 

I have reached out to Equifax more than once in an effort to get an explanation for the aforementioned negative factor, as Equifax is clearly reporting it to creditors and citing it as something that is impacting my score ; however, Equifax has been unable to give me any answers. In response to my last request for information Equifax 's customer service department simply told me that there are no negative marks on my report, and the company sent me a copy of my credit report. But I had already retrieved a copy of my Equifax credit report beforehand, so I was well aware that there was nothing negative on it. What I did/do not understand is why Equifax continues to flag this alleged negative factor for creditors. To my knowledge, there are no " consumer finance accounts '' on my credit report. The risk factor cited by Equifax therefore does not exist and should not appear on any report issued to creditors. 

Unless Equifax can prove otherwise, the company may well be in violation of the FCRA. I am reporting this incident to the CFPB given that my attempts to resolve the issue with Equifax have failed.