davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

hi I went to the XXXXXXXX XXXXXXXX XXXX XXXX branch on XX/XX/XXXX and opened the business checking account with promotion of deposit the {$50000.00} for 60 days and get {$1000.00} bonus. I signed theW-9 forms and deposit the check on XX/XX/XXXX and move the money out on XXXX XXXX, but until today XX/XX/XXXX, i still did not get the bonus as promised. i have emailed the banker since XXXX, XXXX, and she opened the case for me, but still no result. i have emailed and called several times asking for the bonus, not result.. which is very upset
Consumer complaint received 2022-08-27
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)

XXXX, Equifax and XXXX have been trafficking my information by assembling my consumer report. This information is a violation of my confidentiality as a private natural person. These 3 agencies have a responsibility to keep my information private. My request to have XXXX to remove over 25 hard inquiries, equifax to remove over 13 hard inquiries and XXXX  to remove over 33 hard inquiries. I've made several attempts with all 3 companies. I will follow through if this is not taken care of immediately with adverse action 15 usc 1681 18 usc 1028 with penalties for each violation.
Consumer complaint received 2022-08-27
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-27
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: M&T BANK CORPORATION (NJ)

1. In accordance with the fair credit reporting act XXXX  2. M & T banks, 3. XXXX XXXX 4. XXXX XXXX XXXX, 5. XXXX, 6. XXXX XXXX, 7. XXXXXXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXXXXXX XXXX, 10. has violated my rights.

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states 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 2022-08-27
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. (MI)

In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-27
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-08-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CT)

To Whom It May Concern, I made my mortgage payments on time to my mortgage lender, M & T Bank. My note provides that my mortgage account is escrowed. As a result, M & T Bank is responsible for paying the insurance directly to my insurance company, XXXX. My insurance renewal date was XX/XX/XXXX. M & T failed to make said payment timely and remitted payment to XXXX on XX/XX/XXXX. XXXX cancelled my policy on XX/XX/XXXX and returned the late payment to M & T once they received it. I was not notified of this as XXXX XXXX   correspondence went directly to M & T Bank. M & T Bank did not notify me either. I continued making my mortgage payments and was notified by M & T Bank on XX/XX/XXXX that my insurance policy had been cancelled. This was 9 months later. During this 9 month period, there were no indications on my statement that there was an issue with insurance. I contacted XXXX XXXX immediately and paid out of pocket to renew my policy until I sorted the bank 's mistake out. I spent countless hours on the phone with representatives and they ignored my concerns telling me that I needed to make a payment of {$4700.00} to retroactively pay for forced place insurance for coverage from XX/XX/XXXX-XX/XX/XXXX. I wrote a letter to the company on XX/XX/XXXX and they ended up during an investigation. They determined that they did not notify me of their late payment and the cancellation of my insurance policy as a result of their negligence. However, they are still demanding I pay for insurance during the XX/XX/XXXX-XX/XX/XXXX period even though they did not seek force place insurance and the time lapsed without any coverage.Additionally, none of my statements during this 9 month period itemized forced place insurance. Once the issue came to light, M & T bank is trying to retroactively charge forced place insurance on my account. They even issued a declaration page on XX/XX/XXXX stating that XXXX XXXX XXXX XXXX insurance was on the account with no verification in any documents prior that this was the case. Contrary to that, they indicated on XXXX XXXX that they would have to put forced place insurance on my account if I didn't obtain hazard insurance. This was the first letter sent to me alerting me that something was wrong. M & T Bank is attempting to make me financially responsible for their error. I need the help of CFPB to get justice.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

hi I went to the XXXX XXXX new york branch on XX/XX/XXXX and opened the business checking account with promotion of deposit the {$50000.00} for 60 days and get {$1000.00} bonus.my business checking account ( XXXX ), money market account ( XXXX ) I signed XXXX forms and deposit the check on XX/XX/XXXX and move the money out on XXXX XXXX, but until today XX/XX/XXXX, i still did not get the bonus as promised. i have emailed the banker since XXXX, XXXX, and she opened the case for me, but still no result. i have emailed and called several times asking for the bonus, no result in the end.. which is very upset
Consumer complaint received 2019-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

I was purchasing XXXX 's XXXX tickets from a person on XXXX. I was on the phone with him and he fraudulent told me he would place the tickets in my XXXX account, he never followed thru with the tickets and I paid them thru XXXX. I am upset because I contacted Wells Fargo thru email/phone to follow up on their end since the transfer deposited it in a Wells Fargo Account. Wells Fargo was unable to give me any information for this person. I wanted to follow up with my local police since fraud was the intent. I can not believe in this day and age that we can not trace this transaction. I have been a Wells Fargo customer for over 25 years and I am extremely upset that this fraud happened to me. I am looking for reimbursement of {$320.00}, because I believe that Wells Fargo should stand by their customers to help that this matter does not happen over and over again to other devoted customers. I followed up with XXXX thru email and only got a response that someone would contact me, and they never called me. I can not believe that this can happen thru XXXX with no repercussions for the person being fraudulent. Please help me in this serious matter. 

____________________________________________________________ XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX {$320.00} Details Category : Other Outgoing Transfers ____New recipient added You added XXXX as a new XXXX recipient and can now send them money or requests for money. The email address, XXXX, will be used to notify this recipient of any money or requests you send them. 
To receive money or requests, XXXX must be enrolled in XXXX and have added this email address to their profile settings. 

Transactions typically occur in minutes between registered XXXX users. If your recipient is not yet registered with XXXX, the payment is typically delivered within minutes after the recipient completes registration. 

XXXX and the XXXX related marks are wholly owned by XXXX XXXX XXXX XXXX XXXX and are used herein under license. 
XXXX XXXX XXXX XXXX All Rights Reserved XXXX Dear XXXX XXXX XXXX Thank you for contacting XXXX XXXX Support. 
We will get back to you within 2 business days. 
For future reference your case number is : XXXX Regards, XXXX Consumer Support XXXX XXXX XXXX XXXX XXXX XXXX. All rights reserved
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. 

I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! 

After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! 

They are using my credit report to input information without authorization for defamation purposes. 

I have open accounts being reported and the same account is being reported as closed.

In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same time.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX I had set up a transfer for {$300.00} to buy concert tickets through XXXX. Immediately after sending I attempted to cancel the payment. It says it has been delivered and not completed. I did not receive a message stating the recipient has received the money. I was falsely told they would send the tickets after payment. They scammed me and I have no way of contacting them. I tried disputing with my bank but was told since it was an authorized payment theres nothing they can do.
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (OH)

I dealt with this company almost 19 years ago and now they are contacting me again. They use the name XXXX, but represent many different collection agencies. They try to collect debts of deceased relatives. A debt of my late husband 's ( deceased 2004 ) keeps getting sold over and over. The debt was from a car he ( not me ) owned at the time of his death. The car had to be sold at auction and the dealer/bank did not get the value they needed. My name, social security number, employment, NONE of my information was used to apply for the loan or purchase the car. The car loan was applied for ONLY by my deceased husband! At one point I had to hire a credit attorney to issue several cease and desist letters. ERC uses threatening language and tell you you have to sell your home and they are going to come and put a For Sale sign in your yard if you do not pay them. They ask what assets you might have that you could sell or borrow money from others or they will begin contacting your children, employer, etc., etc. They are PREDATORS!! PREDATORS!! PREDATORS!!
Consumer complaint received 2022-01-04
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: CITIBANK, N.A. (TN)

I rented a car from XXXX rental car ( XXXX XXXX  Record Number # XXXX ) on XXXX from XXXX and returned it on XXXX in XXXX XXXX. Estimated charges was XXXX XXXX XX/XX/XXXX I receive a letter from XXXX XXXX XXXX control claiming that I didn't return the vehicle. I explained to them that the vehicle was returned as per the above dates. They opened an internal investigation and provided a case number XXXX within XXXX internally, which concluded after checking the XXXX rental return area camera 's, that the car was returned on XXXX! They informed me that the charges would be finalized at XXXX $ and that the rental record/contract should be closed shortly! Despite the difference in charge, I said may be a mileage thing. Let it be and get it closed out... 

XXXX I got hit on my credit card with {$980.00}, I immediately disputed the charges. The Citi Bank Credit card disputed the charges with XXXX XXXX XXXX. However the vendor rejected the dispute and credit card told me that I have sort this out directly with the vendor. No further dispute would be accepted until i get an official response from XXXX with the reverse of the charges! 

I opened a claim with XXXX ( XXXX is the latest ) for the past two month I have been following up with them patiently and each time they tell me give us sometime. 

Finally today they told me we can't refund the money back to you as the location confirmed that the charges are valid. I reference the Vehicle recovery case number XXXX that confirmed the charges are XXXX $ and they said the location confirmed that no refund can be made on this contract. 

I informed them that this is not acceptable and they turned around and said we understand but this is what the location have advised. I told them this is something between you all... I got a case and a number that I was given as anticipated charges from XXXX and still your location insist on those charges. This is an internal issue that as a customer. I have to deal with it!
Consumer complaint received 2020-08-18
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: WELLS FARGO & COMPANY (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

TO WHOM THIS MAY CONCERN : On XX/XX/2021 I sent Americollect a request for validation on 14 different accounts showing on my credit file in the sum of {$2200.00} via certified mail. On XXXX XXXX, 2021, I show in my records my letter was delivered and signed for by an agent with a return receipt. Its been well over 30 days and I still have not received debt validation. The Fair Credit Reporting Act states that while these items are being investigated they must indicate to the bureau that the accounts are under dispute and will remove/cease from reporting this information to the Credit Reporting agency until full validation has been completed. This company is still to this date reporting invalidated information.
Consumer complaint received 2019-01-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I continue to try to explain to the Navient Student loan payment center that I'm just not able to repay my loans. If I could I would. They continue to add charges to increase what is owed on my loans. I am living off of XXXX XXXX  XXXX. I barely have enough income to pay for daily living expenses. I continue to get calls or reminders although I have continued explaining my situation. My dream of becoming a XXXX XXXX was lost after having a car accident which basically took my life away, at least the one I worked hard to try to get. I just simply can not afford to make any payments. I need to have all of these loans forgiven if possible. I had excellent credit at one time and I now have horrible credit. This upsets me and the whole situation has also affected my XXXX XXXX. I am under the care of a XXXX. The more they continue to ask for payments always increases my XXXX   and XXXX XXXX. I'm just not able to pay these loans. My life changed dramatically after a car accident. I basically lost everything.
Consumer complaint received 2022-08-09
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: CITIBANK, N.A. (MA)

XX/XX/2022, made a purchase with newly opened Citibank Best Buy  credit card in the amount of {$490.00}. Upon receipt of credit card statement, I was charged twice for a total of {$990.00}. I disputed with Best Buy and showed them the receipt for the purchase in the amount of {$490.00}. They responded with the charge will stand that I owe {$990.00}.
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (FL)

I did not receive any investigation on the dispute. 

I do not know this company`s. I have never done any business with this company`s. These company`s does not have a contract with my signature. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00}
Consumer complaint received 2020-08-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: THE MONEY HOUSE, INC. (PR)

On XX/XX/2020 signed an option to purchase a home.closed on XX/XX/2020 several days later examined the closing documents and found that my signature had been forged on many documents.very alarming was that the option to buy had been turned into a sales contract with the XX/XX/2020 date and my signature forged.Was given the option to choose an appraiser or home inspector, did not get to choose closing agent and first called me on XX/XX/2020 the day before the closing.I never knew he was my agent.Also was not given the opportunity to purchase homeowners insurance.
Consumer complaint received 2019-01-13
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. (FL)

Equifax was contacted over 30 days ago regarding items that were not verified correctly as mine. I contacted the companies reporting the items as well. I filed a FTC Complaint as well. It appears that Equifax is the only credit bureau that was noncompliant to my request. Equifax has not responded and not demonstrated that they've thoroughly investigate per Federal Law. This is a serious error in reporting and I would like this matter to be resolved.
Consumer complaint received 2019-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (OK)

never received a collection notice on account being reported to my credit report, found out about collection account from pulling credit report, This collection company is in violation of the FDCRA 15 U.S. Code 1692g - Validation of debts This company has not sent the required information to me, 1 ) the right to dispute 2 ) who is the original creditor there address amount claiming I owe and any supporting documents, If they don't remove the unverified account and there trade line name from my credit report, I will file an affidavit in court for the violation, and request that CFPB, investigate the company for illegal collection activity and violations of FDCRA,
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There are currently credit inquiries on my reports that I did not authorize. I have no knowledge of these inquiries. I am a victim of identity theft and my police report and FTC document is on file with all three credit bureaus. 


XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX