davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-12
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a Citi bank saving account prior to XX/XX/2016 ( during the promotion period and applied with promo code ) and transferred the required fund on XX/XX/2016 ( within 30 days of after account opening ). I was supposed to receive {$400.00} bonus for opening a saving account provided that I maintain a $ XXXX balance for 90 days with initial $ XXXX new money. However, after 90 days ( since the transfer ), I still have n't received the bonus. I did some research online and found many people who signed up for Citi bank promotion did not receive the bonus either.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account please investigate the unverifiable account : XXXX XXXX XXXX XXXX : {$2.00}
Consumer complaint received 2019-08-13
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: JPMORGAN CHASE & CO. (CA)

XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX  XXXX individuals coerced me into opening Chase Bank card on my behalf in the amount of {$22000.00} that went to their account. They promised that if I worked for them that they would pay me enough to pay it off in 15 months and I could participate in their self-improvement program. This they put in writing. 
Very soon it was obvious they were not able to pay me as promised and I was not eligible for the self improvement program. I reported this and they said they would return the money. I have text messages and written reports from them on this and subsequently filed a claim per their request. This has been going on now for a year. They locked me out of my office and turned off my computer in retaliation for asking for the return of the money. I no longer work for them. Chase said they could not help. I am XXXX years of age and am on Social Security. I am dissatisfied with the goods and services promised.
Consumer complaint received 2021-08-10
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. (GA)

Credit reporting agencies are reporting false information on my credit report and is hindering me from obtaining a auto loan, I need help. I really need a car to bet t work. I sent them a letter on XX/XX/2021 and I have gotten no response or correspondence
Consumer complaint received 2021-08-10
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. (DE)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have 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 : XXXX XXXX XXXX //LATE close - Balance $ XXXX-Date Opened : XX/XX/2015
Consumer complaint received 2020-12-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management (GA)

This charge was under a bankruptcy and some of this was already paid through that. Also, the collection company sold my car and is still trying to collect the full amount without taking into consideration the amounts that were already paid through the sale of the car and my bankruptcy. I want this removed from my credit report immediately as it is false information.
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AL)

I used PayPal to send money to a merchant offering music services online. I sent this merchant {$750.00} and he never contacted me or did any music business with me. I contacted the merchant several times and was eventually told by a friend of his that he was XXXX  and could not provide the music I paid for. I told her ( the friend ) I needed a refund since I never received what I paid for. She sent me back {$30.00} and stopped responding to me. I contacted PayPal & they refused to credit my account even I never received what I paid for. And this merchant is a business customer of PayPal
Consumer complaint received 2021-01-25
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: EQUIFAX, INC. (SC)

Items on my credit report that was disputed and stated removed are still showing up on my report. I was shown a file number on the removed disputes but when trying to retrieve them it would not allow to see again hindering me from showing documented proof of the removal. 1 account with an outstanding balance of {$7700.00}, and another of {$440.00} were shown to have been removed on XX/XX/21 and I want all bureaus to reflect it on my credit report. Im getting no response from them on this matter.
Consumer complaint received 2019-08-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ACQ Holdings, LLC. (TX)

I sent the company written notification via fax on XX/XX/2019 stating I was revoking ACH access to my XXXX XXXX checking account. 
Twice after receiving the letter ( fax confirmation attached ) they debited my account causing overdraft fees. 
They ignored my written request in violation of Federal and State laws.
Consumer complaint received 2021-08-10
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. (TX)

My mortgage account was in a forbearance until XX/XX/2021. I sold my house in XX/XX/2021. Even though my loan was closed current, paid in full and I was on a forbearance, XXXX  and XXXX  and Equifax reported that I was over 30 days late for last month since I didn't pay last month because I was on forbearance. 

This has greatly affected my credit score - decreased 40 points. They have not found a way to resolve this matter. My mortgage company has stated that they submitted the information to the credit bureaus as paid in full and current but some how they are showing 30 days late.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP (GA)

Aldridge, Pite, Haan, L.L.P. Purchased my debt from XXXX XXXX  on an account originally held by XXXX XXXX. I started communications with them in XX/XX/XXXX. I arranged with one of their representatives, XXXX XXXX, on XX/XX/XXXX and arranged to make a down payment of {$580.00} on XX/XX/XXXX, then monthly payments of {$220.00} on the XXXX of each month until the debt is satisfied. AHP, LLP has deducted the down payment and each monthly payment since that arrangement was made. I have not defaulted and am current on our arranged payment schedule. 

On XX/XX/XXXX I was served a civil action for the full amount originally due. The lawsuit was filed on XX/XX/XXXX, after I had arranged a payment plan. 

I have called AHP three times since I was served. I have left messages regarding the lawsuit. I was told by AHP, representative, XXXX XXXX, that XXXX XXXX has to contact me before they can do anything. That was on XX/XX/XXXX. It is now XX/XX/XXXX. 

I feel that AHP is harassing me and violating the Fair Debt Collection Act by arranging a settlement then suing me for the full amount.
Consumer complaint received 2022-10-05
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)

This is my fourth endeavor to tell you that I am a XXXX XXXX XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$610.00}
Consumer complaint received 2019-08-12
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. (NJ)

These accounts showing on my credit report do not belong to me and must be removed immediately! I have filed a complaint with the FTC, Local authorities and the creditors. I requested the credit bureaus provide a copy of my signature and the lenders signature on these contracts to prove validity. I have not received any such documents. Therefore without these documents on file, the credit bureaus are breaking the law and supporting fraud!

1 ) XXXX XXXX {$0.00} High Balance {$28000.00} XX/XX/XXXX 2 ) XXXX XXXX {$0.00} 09/19/2012 3 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 5 ) XXXX {$0.00} XX/XX/XXXX 6 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 7 ) XXXX XXXX XXXX   {$0.00} XX/XX/XXXX 8 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 9 ) XXXX XXXX {$0.00} XX/XX/XXXX 10 ) XXXX XXXX {$0.00} XX/XX/XXXX 11 ) XXXX XXXX {$0.00} XX/XX/XXXX 12 ) XXXX XXXX   {$0.00} XX/XX/XXXX 13 ) XXXX {$0.00} XX/XX/XXXX 14 ) XXXX {$0.00} XX/XX/XXXX 15 ) XXXX {$0.00} XX/XX/XXXX 16 ) Bankruptcy Reference Chapt XXXX  # XXXX XX/XX/XXXX
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CO)

First thing, Im a XXXX year old XXXX  that doesnt have a credit card or any debts, so I have know clue why they call me, they are very rude and basically tell you to XXXX off if you tell them to stop contacting you
Consumer complaint received 2018-12-04
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. (SC)

I submitted all the necessary paperwork to Equifax to remove accounts that do not belong to me removed and they have not responded back to me and it has been almost a month. The accounts were removed from the other two bureaus.
Consumer complaint received 2019-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CT)

I opened a savings account on XX/XX/2019 with Chase Bank to earn a XXXX promotion bonus for a new savings account.  The only requirements were: 1) I had to deposit a total of XXXX or more in new money within 20 business days of account opening, and 2) I had to maintain at least a XXXX   balance for 90 days from the date of deposit.  Once these two requirements were met, Chase Bank would deposit XXXX  in my new account within 10 business days.I deposited XXXX into the new savings account onXX/XX/2019.  I transferred XXXX out of the account on XX/XX/2019, leaving XXXX in the account to avoid monthly service charges.  If you calculate the elapsed number of days fromXX/XX/2019 (NOTXX/XX/2019 when I made the deposit) to XX/XX/2019 (NOT the day I transferred the XXXX out of the account), you will find that I maintained a balance of XXXX in my Chase savings account for 90 days.  I called the customer support number to inquire about my missing XXXX bonus deposit and the call center rep stated that the system indicated I needed to keep the XXXX in the account one more day to earn the bonus.  She then stated that Chase Bank will not pay me the XXXX promotion bonus. Keep in mind that I am NOT including the day that I made the deposit (i.e. XX/XX/2019) in my 90 day calculation above, but it should be included, which would result in a period of 91 days that I maintained a balance ofXX/XX/XXXX in my Chase Bank savings account.I believe I have acted in good faith and met the requirements as set forth by Chase Bank.  If Chase Bank is calculating the 90 day period incorrectly for customers across the country, it could amount to a sizable sum not being paid to customers that are deserving of it.I have also filed this complaint with the OCC..
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (TX)

I have ( 4 ) medical bills I paid off with AR Resources which are reporting on my credit report. I want these accounts deleted/removed. Account numbers are XXXX, XXXX, XXXX ( listed twice on my credit report ) and XXXX.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (TN)

I previously disputed this information and was told that Discover had instructed XXXX  to remove the inquiries from my XXXX  report. Unfortunately that has not happened and XXXX  informed me that they have not been instructed to remove them. The inquiries are on : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (AZ)

I registered for the PayPal promotion at https : XXXX XXXX XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/2020, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of XXXX business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XXXX XXXX, 2020 I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.
Consumer complaint received 2018-09-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

In XX/XX/XXXX, Loancare LLC withdrew my mortgage 3 times, {$2600.00} the first 2 times, and {$2400.00} the third time. This issue was eventually resolved but had a ripple effect across the rest of my bills, as I am currently not able to afford 3 mortgage payments. Over the course of the next year, Loancare would not withdraw the funds on or about the desired date, in some cases waiting until past the due date, in which case they would turn off auto pay, add a late fee and then contact us. In XX/XX/XXXX, we refinanced with them to lower the percentage rate. We had auto-pay set up from the get go, but in XXXX we were notified that they do not use auto-pay so the payments we not pulled. Furthermore, when looking into our Credit Report it came to light that Loancare kept our original mortgage on file, so when we called we were told we had two payments per month to make. We made XXXX and XXXX 's payment, but in XXXX when I called to transfer my payment I was told they would not accept any further payment unless I catch up in full for the months of XXXX, XXXX, XXXX, XXXX and XXXX. My bank, XXXX, is tracking ACH transactions in XXXX and XXXX which withdrew the payments, as well as multiple additional attempts to pull money each month. When I addressed the issue with Loancare, they told me they had no records of the XXXX/XXXX   payments and I needed to contact XXXX, which I did promptly, leading to a conference call between myself and the two companies. Despite XXXX explaining that they had proof that Loancare had already pulled the payments for XXXX and XXXX, Loancare is insisting that they never received the payments and I must catch up in full. This is causing me to take a Loan out on my Thrift Savings Plan to catch up with the hope that they do not lose this as well.
Consumer complaint received 2017-12-21
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: Grant & Weber (CA)

This is a medical bill at the time of the service I was unaware that my medical lapsed. I contacted medical the following week and the back dated the coverage for any care received with in the last 30 days. This care was included and I offered the medical information several times to the agency and they neglected to bill the insurance appropriately. I need this item permanently removed off my report. As it is false and is not my debt
Consumer complaint received 2019-08-12
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. (DE)

XXXX XXXX XXXX  AKA XXXX..partial account number XXXX ) is a medical collection that does not belong to me. This is a medical procedure for a family member where I did NOT sign a financial responsibility agreement. The provider and collection agency placed it on my file in error. I disputed this with the credit bureau and they left it on my file.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (PA)

Ford Motor Credit Acct # XXXX Final payment for truck was paid in XX/XX/2020 thru Ford Motor Cr. Understand it was late. However, various attempts to dispute through credit agencies and Ford has not resolved the actual issue. Constant decline for a student loan for son at XXXX XXXX as the credit bureau reports the Status being " 31-60 days '' late. This account is paid in full and closed. Status should state that it is " paid as agreed '' like all other accounts. We do not owe additional money. Title was mailed to us from Ford. Balance is {$0.00}. Ford continues to decline the issue, not understanding what the real issue is. Our current status is incorrect. Ford agrees it is paid in full, but this is not resolving the issue on the credit reports as it is being seen as if it is still late. XXXX  and XXXX  both have this on our credit reports. Maybe it is insignificant to Ford because it is a closed acct, but the status still shows us as Late.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had previously sent in a request to remove many unauthorized credit inquires that your company is listing on my consumer report. At that time you stated that I must reach out to the company that listed the inquiry. Please see attached letters of confirmation that the inquiries are not authorized. 

I DEMAND THAT THESE INQUIRIES BE REMOVED IMMEDIATLEY! 

XXXX XXXX XXXX
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MECHANICS BANK (CA)

On XX/XX/XXXX I submitted a complaint about Mechanics Bank wrongfully withholding my funds that were fraudulently taken from my account in XX/XX/XXXX. Mechanics Bank had informed me it would not credit back my funds for 6-8 months in spite of my demand for return of my funds. Once I hired an attorney for {$500.00}, and submitted my complaint to CFPB, complaint # XXXX, Mechanics Bank did return my funds, responding only to CFPB, never mailing me a copy. I have since obtained a copy and in that response dated XX/XX/XXXX, and the bank flat out lied by misinforming the CFPB. Specifically, in the statement that " a credit in the amount of {$4400.00}, which represents the total of the three altered checks, was credited to your new account ending in XXXX on XX/XX/XXXX. An Honor Letter confirming the results of the investigation was sent to you via the United States Postal Service on or around XX/XX/XXXX. Additionally, on XX/XX/XXXX and XX/XX/XXXX, two employees of the XXXX XXXX branch spoke to you and communicated the credit to your account. '' Firstly, if in fact Mechanics Bank had saw fit to do the right thing and return my {$4000.00} I never would have had to hire an attorney and incur the {$500.00} expense. Secondly, Mechanics Bank employees have never saw fit to ever contact me in writing or otherwise. Therefore I NEVER received any type of letter, " Honor, '' or investigative report result or telephonic contact to advise of any type of result or return of my funds. Had Mechanics Bank personnel saw fit to return my funds and advise of doing so I NEVER would have had to contact the CFPB. For Mechanics Bank to send the CFPB it's fabricated response is purely self serving and false and was done simply because it knew it had failed to protect its own consumer from its own employees failures. Mechanics Bank DID NOT credit my account {$4400.00} as it stated it did so. It was only {$4000.00}. I am still owed {$500.00} for the attorney 's fees I incurred as a result of its failure to provide me with my funds I was rightfully entitled to under the law.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I review a current copy of my credit report and show inaccurate information listed on my report. creditor XXXX/XXXX is showing a charge off account with conflicting last payment dates on my credit report throughout credit bureaus. I requested to have account verified and I have not received any information back per my dispute. I am now being directly violated and have issues with credit reporting and I'm in distress. Listed below is creditor information and inaccurate last payment dates Creditor : XXXX Account number : XXXX Last payment dates listed between credit bureaus : XX/XX/2018, XX/XX/2018, XX/XX/2018. I have requested verification and have not received any dispute results.