davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (OH)

I paid my account off back in XX/XX/2022 and then received another bill for XX/XX/2022 of {$12.00}. I put in a dispute since I thought I paid off the account. The dispute was resolved after the XXXX due date which I ended up paying the {$12.00} charge. Then I received another bill for XXXX showing I had a late fee and more interest charges. They charged me while waiting to hear about the dispute. I have since put in 3 other disputes and talked to several specialists and supervisors. No one has been able to help me. My disputes keep getting turned down and my account keeps snowballing in fees. It started as {$12.00} and is now currently at {$37.00}. I just want my account paid off at a XXXX balance.
Consumer complaint received 2020-04-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

XXXX  removed 3 accounts from my credit report, I would also like for XXXX  to do the same since the accounts were proven not to be mine. XXXX  did an investigation and the result came back with a removal of the accounts. 

The three accounts are : XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY. 

XXXX XXXX XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY All three of these accounts were removed by XXXX  from my credit report. Please investigate and remove the accounts.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

I am a current XXXX member. I order quite a bit through this app. On XX/XX/22 XXXX started sending me a green link to apply for a chase XXXX credit card the promotional offer was {$200.00} XXXX credit plus XXXX XXXX XXXX XXXX membership. On XX/XX/22 I clicked the link and applied for the card. On this same date I got a confirmation email that I applied. On XX/XX/22 I got an email stating I was approved and to expect my card I. The next 5 days. On XX/XX/22 I got a {$100.00} promotional credit applied to my XXXX account. In immediately called and was told it was an error and that Chase was aware of it and would fix it. I called and was told that they were putting in a request to apply the additional {$100.00} to my XXXX account that was never applied. I called a few times after this date and was told the request was in process. On XX/XX/22 I got a letter Al telling me I was not eligible for the promotion. I only applied to to this special promotion to buy food for my child for school. I called again to find out why I was not issued the credit and the rejected my request. He told me it was too bad and that there was nothing he could do. I have been a customer of chase for over 28 years. I do not appreciate the treatment I received or the customer service I received. I was told I would be getting the adjustment. Please help me get my {$100.00} that I was promised. Thank you.
Consumer complaint received 2022-08-19
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 THE FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS. 

US DEPART EDU account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 602 A. STATES I HAVE A 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 I REQUEST THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In regard to Equifax Data sharing policy, I have called multiple times to resolve the issue over the phone. I am concerned and again am now raising a concern and inquiring to the XXXX XXXX XXXX account on my credit score account provided by equifax. I am again requesting a copy of the consent Equifax is claiming they have for sharing my data. you did not give me the opportunitiy to opt out nor did you clearly and conspicuously state that I was opting in. You did not tell me how to exercise how to opt out. I never gave consent. you did not respect my right to privacy. Equifax did not exercise their grave responsibility. You were unfair and partial and never had permissible purpose. Title15 ch. 41 & 94 subchapter 1 & 2 15 USC- 6802 15 USC 1681a3 & 1681a4
Consumer complaint received 2022-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MA)

Regarding Paypal Credit w/ Synchrony .

They offer 0 % apr purchases with their card if the consumer pays off the debt within 6 months. I have been making more than sufficient payments to eliminate the debt within the 6 months but they continue to charge me interest. When I call, they say the payments are not applied to the First purchases that would have the earlier promotion expiration date. They do not offer any way for the consumer to specify where the payment should go. I have paid off all these debts and they continue to charge me interest. They are misleading the consumer and performing predatory practices.
Consumer complaint received 2022-08-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I have done everything in my power to make all the necessary arrangement with the Bank, when I found out that my ex-husband was not providing with the payments to XXXX XXXX XXXX XXXX back in XXXX, and according to the Bank they were not able to provide to me with any information about the status of the Mortgage since the loan was under my ex-husbands name : XXXX XXXX. Unfortunately, was going thru XXXX XXXX and unable to obtain any information from him until XXXX XXXX XXXX offered me the help to resolve my situation, but they stated if I get the Divorce will be easy. 

Back in XXXX I went to Court to be able to obtain a Modification with the Bank and take over the Mortgage but was transferred to XXXX XXXX XXXX  and they stated that they still need XXXX XXXX signatures on the Loan Modification for me to continue with the process and payments. Unfortunately, XXXX XXXX was refusing to sign anything that concerns with the Property, or to go to Court to make any arrangements. XXXX XXXX XXXX advised me to get the Divorce and the Lawyers, and the Court will mandate it to sign off the house to me, and I will continue making the payments or obtain the Loan Modification. My goal was to keep the house and continue making the payments, but everything was delayed due to COVID-19 pandemic situation. A new Deed is recorded in XX/XX/XXXX under my name : XXXX XXXX XXXX. 

XXXX XXXX XXXX offered me the help with the Foreclosure and advocate with XXXX XXXX XXXX in assuming the Loan and apply for the Loan Modification under my name : XXXX XXXX XXXX and my daughters name : XXXX XXXX XXXX in XX/XX/XXXX. According to XXXX XXXX from XXXX XXXX XXXX : Application and Documentation was submitted In XX/XX/XXXX, but for some reason, application and documentation was re-submitted again in XX/XX/XXXX. No word from XXXX XXXX XXXX or XXXX XXXX XXXX until XX/XX/XXXX. when XXXX XXXX, Paralegal from the Prevention Unit, called me to tell me that Loan was denied and the Bank will put the house for sell, but I received a letter from the XXXX in XX/XX/XXXX that the XXXX granted the date for an extension for XX/XX/XXXX. ( Who should I believe ) My concern in this situation is that XXXX XXXX XXXX is refusing to speak with me as they are only corresponding with XXXX XXXX from the XXXX XXXX XXXX, but the Bank is not only refusing to provide me with any answers or other alternatives to save my house, but correspondence is coming from Mr. Cooper where this Institution is explaining about the denial, and the letter is addressed to XXXX XXXX XXXX. Nothing is engaged to me ( XXXX XXXX and my daughter XXXX XXXX, about the denial on the Loan Modification as the Applicant and Co-Applicant. I will have to consider myself a Victim of this Institutions in regards of the Mortgages Cases, being the XXXX homeowners. 

Sincerely and respectfully, XXXX XXXX XXXX XXXX # XXXX Address : XXXX XXXX. 
XXXX NY XXXX Phone # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, I transfered the equivalent of XXXX euros from my XXXX XXXX  account at Citibank, NA ( account opened in XXXX ) to another bank account of mine in XXXX ( see attachment ). The XXXX XXXX  could not receive it and issued a refund on XX/XX/XXXX, i.e., on XX/XX/XXXX I was notified by the XXXX XXXX that the money were being sent back ( see attachment ). As of today, I have not been credited back those money
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

Im not able to receive my credit report, every time I tried it was denied because I dont have a social security number I just have an ITIN number. What I need to do to get my credit report if they arent accepting my ITIN number instead the social.
Consumer complaint received 2022-08-19
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. (SC)

it has come to my attention that equifax is refusing to remove false and misleading item from my consumer report. it has been months and they still refuse to remove these negative items from my consumer report. i have read the article that they are giving consumers low credit score which is true my score is not accurate and should be higher i have sent them proof that these items are not mine for months and still refuse to remove them. Pursuant to their data sharing policy under consent they admitted that they get my consent without me even knowing when it must be made clear that they are i am requesting that they send me a copy of this consent for it is raising my concern. The XXXX XXXX must be removed from my consumer report it was told from the collection company that it is to be deleted the inquires stated in the ftc report are not mines i never gave them consent nor authorized the inquires they are not factual and must be removed but when i resubmitted the report you tell me that they are not removing them at this time remove them immediately and XXXX account is a consumer Credit card transaction and is excluded from a consumer nor was i late remove immediately. you are civilly liable for refusing to remove these negative items. This is not a error
Consumer complaint received 2019-10-19
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. (NY)

Hi my name is XXXX XXXX and I am contacting you Regarding my credit reports at Equifax XXXX XXXX XXXX they are all reporting false balances on my credit cards and also fraudulently reporting that my XXXX is closed when it is opened and I want this problem fixed at once. These companies need to update my balances at once and also Adequately report accounts that are open because this false information that they have reported has dropped my score significantly to the point that me and my XXXX son are XXXX because of the issues with my credit score. I have contacted legal aide and with begin legal action because this has caused tremendous problems for me and my XXXX child. Please make these agencies correct this problem at once All credit cards on my credit report needs to be updated with correct balances also my XXXX credit card needs to be reported as open and in excellent standing please make them do this at once.
Consumer complaint received 2022-07-27
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. (AR)

PLEASE REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 US SM BUS ADMIN ODA XXXX
Consumer complaint received 2022-08-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MD)

I went to Wells Fargo bank branch this morning located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I had an appointment at XXXXXXXX XXXX and came with my attorney XXXX XXXX. We presented the Letters of Administration with the death certificate for my late husband and wished to retrieve the funds in his savings and checking account. I am appointed Personal Representative of his small estate. The funds are less than XXXX. The representative asked me for identification and I presented my Maryland State ID, which expired in XX/XX/2021. The rep said she could not continue since my ID was expired. My attorney asked to speak with her manager because I had other forms of ID. The client manager appeared and said she could ask the legal department on the phone if there was something else that could be done. I am XXXX years old, hard of XXXX, and I have XXXX issues. This is one reason why I needed an attorney to assist me. But the client manager said she could not do anything until I got a current state ID. It is not easy for me to get around. I have an aid who helps me. I do not drive and I do not have email. My attorney requested that an escalated complaint be filed and the client manager filed one. She would not provide my attorney with a printout or a copy of the complaint but gave her a number : complaint ID XXXX -- XXXX. When she asked me how I would like to be contacted, my attorney told her to contact her but the manager said they could not since my attorney is not the PR. My attorney explained that she is my voice and my advocate. My attorney offered to write an affidavit to confirm I am who I say I am but the bank would not accept it. I am requesting that Wells Fargo close my late husbands checking and savings accounts and issue a check to me according to the laws in Maryland. You can contact my attorney for additional information and documentation. Her phone number is XXXX XXXX XXXX and her XXXX is XXXX. Thank you.
Consumer complaint received 2022-06-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (NV)

I sent out a dispute letter in XX/XX/2022. I requested to validate the medical debt and informed them of a HIPPA violation as they sent my information containing sensitive information I did not authorize to release. Their response to me was that my dispute was deemed frivolous or irreverent They also did not validate the debt or confirmed if they are a legitimate business or legally allowed to collect debts in my state of Nevada
Consumer complaint received 2022-06-21
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. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax Inquiries ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-08-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc. (WA)

I wrote full description outlining all crimes felonies rigthpath aka Mr Cooper aka national m mortgage did to XXXX XXXX Copying XXXX  exploiting extorting crimes as XXXX XXXX did, but it d I speared 2xs already. Combine all cases.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NJ)

I signed up for a promotion for M & T Bank under which if you leave {$10000.00} in the account for XXXX and XXXX, they would pay a {$350.00} promotional bonus by XX/XX/XXXX. The bonus code I signed up under was " XXXX '' but I later called to have this changed to " XXXX '' which also included an extra {$100.00} for having a {$500.00} direct deposit made tot he account. This bonus was already received. 

I transferred {$10000.00} to the account by XX/XX/XXXX and did not remove any funds until XX/XX/XXXX, so I met the terms of the promotion for earning the {$350.00}. 

I received a letter in the mail dated XX/XX/XXXX that my account would be closed as of XX/XX/XXXX. The letter did not contain any information about why M & T was closing the account. I suspect it's because they do not want to pay out pursuant to the terms of their promotion. 

I spoke to 3 separate customer service agents today, and each one had a different take on whether the bonus would be affected, so I am writing to the CFPB for clarity on this issue. It would also be helpful to know why M & T is closing my account and to confirm that it will not adversely impact my credit score or any other reports or my ability to open bank accounts in the future. I do have a recording of the last call in which the agent indicated that the payout of the bonus would not be affected by the subsequent closure of my account.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — Store credit 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. (OR)

I made a purchase at Macy 's in XXXX, ID for {$230.00} in XX/XX/2021. I paid with my Macy 's card and immediately paid the balance on the card with my debit card. I returned the items a short time later on and the cashier credited my Macy'a account. I don't use my Ma Macy 's card very often, so I asked the cashier how I could receive my money back. The cashier told me that I would receive a check in the mail in a few months from Macy 's for the amount of the credit if I had not used it. I waited several months and never received a check. I called Macy 's in XXXX of XXXX  to ask about the refund check. The woman on the phone looked at the account and said she saw the error and and offered to file a dispute. About 6 weeks later I received a check in the mail and assumed it was resolved. A couple of months later, I received a bill from Macy 's that showed me owing the amount of the refund check they issued. I was confused to say the least. I called Macy 's and the woman on the phone said she would file a dispute and that i should disregard the bill. The next month, I received another bill and disregarded it because that is what the woman said. The next month, I got another bill. I called again and i was told that Macy 's had credited my account even before they sent me the check. At this point, I told them I did not see that credit. They told me what days to look for the credit and I did, and did see the credit. At this point, I moved and did not receive mail for a few months. The next time I got a bill from Macy 's. it was for the initial amount PLUS fees and interest. That seemed ridiculous since this all started with THEIR mistake of issuing two refunds and then telling me to disregard bills and then trying to charge me for the time lapsed while they tried to figure it out. I have been trying to get this resolved ever since and e very month the bills just add more interest and fees. Macy 's makes the dispute process incredibly difficult on purpose and I have spent HOURS trying to negotiate with zero success. The debt has now been sent to a collections agency who says that I would need to fax them a dispute. I do not own a fax machine. I work full time PLS manage a XXXX acre farm alone.. I've wasted multiple lunch hours on this. I took today off of work to resolve this and feel incredibly frustrated. Every time i'm off work and try to call, they are closed. Whenever I call, I am speaking to an XXXX person who I have a very hard time understanding. Please help.
Consumer complaint received 2022-08-19
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. (NC)

XXXX XXXX violated my right to privacy. XXXX XXXX disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to XXXX XXXX on XX/XX/2022 at XXXX am, delivered by USPS confirmation # XXXX, regarding account # XXXX