davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (MO)

The original issue was with Macy 's Department store, who's accounts are managed by Citibank. Now a collection agency is jumped on the band wagon - XXXX XXXX XXXX. I have attached the communication in detail. Net message is My husband and I have had a Macy 's card since 1996, no late payments. We went to use our card twice and was told it was delinquent. I phoned Macy 's and found out that Citibank changed the name on the account to my sons and his wife, changed the billing address and social security numbers on the account. My son and his wife filed bankruptcy and had a Mastercard with Citibank - Citibank took it upon themselves to close the account because they said it was part of the bankruptcy. Please see the details on me trying to get it corrected. Now I am getting notices from a collection agency. All documentation is attached.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CT)

I am not able to use Citibanks website. The website isn 't accessible. I have tried to use the website in the past, and I have called Citibank, and they make it out to be a computer glitch issue on my end. Apparently, my computer is the fault. Therefore, I have enlisted to use the Citibank app. The app, however, also has problems. Citibank changed their method for allowing their account holders to send and receive money. Now, we must do it by XXXX. Needless to say, I set up my XXXX account through the Citibank app, but I noticed a problem. The problem is that during the weekends or weeknights. If you try to send to your other bank accounts in the United States. The Citibank app will present an error. I will attach a copy of the .jpg I took from my XXXX to show you. It is a XXXX error that states : Access blocked. For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mention error code XXXX. XXXX. I've approached Citibank about this also. The issue was fixed, but here I am again on XX/XX/2022 trying to send money to my other bank account : XXXX. I paid two bills online through Citibank app before I decided to send the remaining balance to my other checking account with citizen. Why am I going through this? I have another bank account in checking with XXXX bank. XXXX bank holds mostly all of my funds. I don't need the hassle. Citibank is just a maintenance account that I have my checking and some savings, but my direct deposit goes from the State of Connecticut to Citibank. I can eliminate this issue by closing my Citibank account, and moving through the State of Connecticut Comptroller 's Office my direct deposit to Citizens bank in Connecticut. It is as if Citibank does not want my business. Oh Citibank wants you to take out a $ XXXX personal loan to help them, but this is a business relationship. Business relationships aren't one way, unless the other party is nave or stupid, and I am neither. 

Now, I have to call Citibank again asking them to do what they are selling you : a banking service. I have to take time out of my schedule to approach Citibank to do their job. If this isn't resolved, then I will visit Citibank in New York City with two forms of ID and a demanding them to close the account. Put my IRA in the name of XXXX Bank and in check form for transfer.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (DE)

This is a CareCredit Card..that i used for XXXX XXXX XXXX XXXX XXXX They charged Interest and fees on transactions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and ask them why these charges and they said it was a promotional deferred payment..if i paid within a certain time... i would not be charged ... I was not aware of this at all and was not told ... I told them i can not pay this amount of charges added to my bill and they said i had to pay ... XXXX XXXX XXXX XXXX XXXX retired person and i can not pay with ridiculous amount of charges that i did not know of... please help me ..i told them i cant pay and could i get the charges off or reduced and they said No..I can not pay this amount ... what do i do ... not pay anymore? And let it ruin my credit or what should i do? 
Thank you XXXX
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX and Acct # XXXX XXXX XXXX violated my rights as a consumer under the following Consumer laws 15 U.S. Code 1602 ( J ) Truth in Lending Act my rights has been violated. Deuteronomy 15 The Year for Cancelling Debt account has exceeded the 6 year mark and should be removed from my consumer report, Also 15 U.S. Code 1681 ( B ) Permissible Purpose has been violated. 15 U.S. Code 1692a ( 1-4 ). Inaccurate information across the 3 bureaus are inconsistent and inaccurate which has been detrimental to my character, health and mental state.
Consumer complaint received 2022-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

My family had recently moved into our new home. I was sadly laid off from work the same day my house was put on my lot. So money is very tight have been collecting {$560.00} from unemployment. And anyone with common sense would know the current situation. Basically a lot of bad luck at the moment. Now there was a mishandling of some documents that the home builders were supposed to send to the bank concerning when the first payment was due. To our knowledge, the first payment was due on XX/XX/XXXX which the documents stated. Sadly that was not the case apparently the first payment was actually due on the XXXX of XXXX. We hadn't even been living at the home for a week. I was out of a job and my stepson was also. By the grace of XXXX, we found jobs and have been working for roughly about two weeks trying to earn up the money. My issue comes here... A lady called me today and was asking for {$1600.00} to be paid immediately. Now I tried to arrange a {$2000.00} payment with her for Friday, XX/XX/2022. She stated that " no you don't need to make a payment of {$2000.00}. When I'm only asking for the month of XXXX ''. She then transferred the phone to a gentleman who was extremely rude and even told me " I don't care how you get the money, sell, pawn, or do whatever. But I need a payment of XXXX ''. That was a new amount for me so I asked him why that amount. I'm not very familiar with the law but to my knowledge, I have roughly 30 days to make a late payment. If that is correct the 30 days ended on Saturday XXXX of XXXX, 2022. Now my stepson offered to pay the {$1600.00} TODAY XX/XX/2022. But he said no he wants the {$3300.00}. Now if he would've just accepted that today and the {$2000.00} on Friday everyone would've gone home without a headache. I attempted to make the payment online right now and it has seemed to have been blocked by him. I don't understand why he has to be so difficult can he not comprehend we as a family are in very tight situation money-wise, and I'm offering him a resolution and he does not want to take it? We don't have the full money today but have half of it, why be so complicated to crush a family 's dream of being homeowners what happened to the XXXX XXXX? Yes on XX/XX/2022 we spoke on the phone to login into my account to keep track of the payments. I had said to him that on XX/XX/2022 I would make a payment, sadly we only had very little money earned and missed the date.
Consumer complaint received 2022-02-15
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. (OR)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-18
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)

I just received my reinvestigation back from EQUIFAX. THEY SAID EVERYTHING IS 100 % COMPLETE AND ACCURATE. I WOULD LIKE TO RECEIVE THE DESCRIPTION ACCORDING TO 15 U.S.C 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 
XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX all of them They did not modify or delete the inaccurate information on my consumer report according to 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) I attached my credit report.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company ERC. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2022-10-19
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. (FL)

In accordance with the Fair Credit Reporting act 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 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

I have been trying to get my student loan forgiveness refund for the payments I made during COVID. My loan servicer was originally granite state management and so I contacted them. They told me they no longer provide those types of loans and transferred my data over to XXXX. I attempted to access my payment history with edfinancial but didnt have an account. I attempted to make an account and wasnt allowed. I called and they told me that because my loans were completely paid, i couldnt make an account myself and they had to restore my data or something to that extent and they had to make my account on their end. I tried requesting my refund and having them make my account. They took my information. I kept asking them for some type of proof that they are working on it and all they can say is I can call on the phone but they cant show me proof. I have called again and emailed to ask about the process of making my account and they have said by phone that they dont have a timeline and they have said by email that they cant give me information because they cant verify me.
Consumer complaint received 2022-10-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

When I got accepted to college, me and my family knew it was going to be hard to fund my education. In 2010 my mother did her best by finding the best student loan provider and landed on Sallie Mae/Navient. At the time my mother was only earning XXXX a year on a government contract. My mother requested a lower amount for my private student loans, and she was told that 'she earns too much money. ' Durning my XXXX college tenure she was laid off and had no job during my junior year. Upon graduation I knew I had to tackle this looming large student debt. I got a job that did not pay much, and I reached out to Navient to see what I could do. The only thing that was offered at the time, to my knowledge, was forbearance. They offered that to me and that was the route that I chose. I did receive collection phone calls during forbearance, and I had to keep reminding Navient that I was in forbearance. My co-signer, who was my grandmother, was also receiving mail and phone calls during this time. However currently, I struggle to keep up with payments and I don't believe the XXXX program would benefit me at all. I lack faith in the system that it will help.
Consumer complaint received 2022-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I cosigned a student loan with Navient on behalf of my sister. Because of Navient illegal forbearance scheme the loan was mishandled. The loan qualifies for discharge under a lawsuit filed by the Attorney General of New York. She has gotten other loans discharged however Navient wants me to pay. I was a resident of New York when I helped her and has relocated to Georgia for XXXX XXXX now.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX and XXXX XXXX XXXX {$42000.00} Account Number : XXXX Account Name : 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 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-03-11
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. (MO)

On XX/XX/XXXX I submitted a complaint to Equifax citing a violation that they made against me against as such : n accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. However during the companies response on XX/XX/XXXX the company made no mention of my exact complaint nor their violation of my rights as stated above. Further failure to acknowledge their violation and my proposed solution within 14 days of this complaint will force me to escalate this problem with the CFPB, XXXX  and the attorney generals office as well as but not limited to other legal actions available to me.
Consumer complaint received 2022-10-18
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 — Was not notified of investigation status or results
Company: BC SERVICES, INC. (CO)

XX/XX/2022 I sent BC Services a validation request for two accounts they have reported on my credit. I received no response so on XX/XX/2022 I followed up with a letter requesting validation of debt. Still no response. In XXXX I sent XXXX a request to validate the alleged accounts. 
I have not received any communication from experian regarding this investigation request. Yet they have updated the comments on my credit report that investigation was done. 

Not only has XXXX not responded they are reporting a collection account inaccurately. 
Ive included a copy of all letters sent to bc services and XXXX as well as both accounts credit report highlighting errors.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NY)

I am reaching out agin looking for answers and help in regards to my well Fargo XXXX I Previously sent out a complaint and in regards to this account Wells fargo did not give me the Opportunity to pay off my remaining balance. Now I see a decision that was made and we're XXXX regards to the 1st to the 1st complaint that XXXX did I sent out. Wells Fargo stated that day extended my time to XX/XX/2020, now at that time that did not help me I did not have XXXX XXXX  and I was unable to make the payments.and was done on There behalf was they put the payments on a freeze, Which still had an interest charge that was gon na be added At this time I'm reaching out again to ask for some help I would like to pay my remaining balance that I had before we went into the pandemic. The closing letter is the same letter that they sent to me years ago. If there's any type of help it is XXXX 's day that I'm being charged at interest charge that charge that was waved off by all companies when we was going through this pandemic. I understand the initial agreement agreement but I did not know that I was gon na be XXXX  XXXX  months into the year can somebody please help me with this situation.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX I applied for and was approved for a hardship program with CHASE Mortgage. The program included a 3-month trial period schedule for XXXX through XXXX of XXXX, all payments were paid timely in accordance with the modification contract satisfactorily. Recently, after requesting a copy of my consumer credit report, Chase has attached special comments, " Loan modified under a federal government plan. '' XXXX XXXX XXXX ] XXXX XXXX XX/XX/XXXX ]. I called Chase Mortgage Modification division on XX/XX/XXXX and spoke to XXXX in the research department, she confirmed the comments are valid and has no date stamp and will continue to report until the loan the same : unless : 1. current loan paid in full 2XXXX balloon payment in full The problem is I completed the trial period and all payments sucessfully by XX/XX/XXXX as contained in the agreement and seven years later it remains a permanent part of my consumer report. These comments are hurting my ability to obtain credit and requires removal. Recently, two disputes has been filed with XXXX and results in continued incorrect information.
Consumer complaint received 2022-10-18
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. (CO)

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

Accounts : XXXX XXXX # XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX # XXXXXXXX XXXX XXXX  XXXX 15 USC 1681 section 602A which states that I have the right to privacy 15 USC 1681 section 604A states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (NC)

Grain provides a revolving line of credit that you can access through your existing debit card without issuing a physical card. This approach empowers you to use what you need for your day-to-day, build good credit, and ultimately gives you more ownership over your credit. What happens this company does not tell you is, how they are keeping your personal information and will not allow you to pay your balance in full or any other higher amount besides the minimum payment due. This company has kept numerous people personal information including, SSN, addresses, DOB, bank accounts and most of all dropped individual credits tremendously. I have requested to make a payment to this company and was blocked. Grain would kick individuals out of the system by unlinking their bank accounts that was provided to make payments and drop the customers credit score. I have called customer service and e-mailed Grain numerous times without receiving a response back. The company has made it impossible to cancel their app without paying in full thus creating a deceptive practice.