davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

I signed up for a Citibank checking accountpromotion back in XX/XX/2016 for {$400.00} promotional credit if you deposited $ XXXX and kept it in for 30 days and waited another 90 for payout.It has been 91 days aftermeeting all requirementsand no payout yet I have been calling XXXX in XXXX todayand that was about useless. Then I called a local branch guy in Illinoisand told him about the promotion I had and what was going on. I did not even have to give him my account # and he knew what the problems was and what was going on. He proceeded to tell me that hehas dealt with a lot of people over the last few weeks with the same issue as I am having. Apparently Citi is struggling to pay this $ XXXXpromotion out on time and is paying it outabout 3-4 weeks after thedayit was promised.When I signed up for this promotion I made sure to print all the " fine print '' out and I have it sitting right in front of meright now looking at it. Citi did not keep there end of the contract/promotion up.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (FL)

I have applied for a Principal Reduction and Loan Modification since the original Mortgage documents where made and signed by Chase representative without my consent and knowledge. Chase has not given me any compensation for the losses suffered by me and now trying to trick me into signing Home Affordable Modification Agreement documents which make the new documents take the place of the original documents since chase found that the initial documents were fraudulent. During the trail period time Chase send me letters stating that they will short sell or foreclose my house etc which puts very much stress on my family
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (FL)

Some how when I logged into PayPal I had a credit check run on me and auto signed up for a line of credit and had and purchase charged to it when all I wanted is for my account to stay the same linked to my account with no want or need for a line of credit. Very deceptive and sneakily sucked me into this account.
Consumer complaint received 2016-03-08
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc. (NY)

The debt buyer Dyck O'neal Inc has engaged in multiple deceptive, unfair, and misleading debt collection practices. Please closely review the violations listed below and supporting documentation I have included : 1. Dyck O'neal Inc purchased this " deficiency debt '' for only {$1.00} and then claimed I owe them {$100000.00}. However this is totally inconsistent with the final statement I received from the original creditor XXXX XXXX XXXX regarding this property which clearly states that the Balance outstanding was {$140000.00} and the Fair Market Value of the property was {$170000.00}, leaving NO deficiency and making this a phantom debt. ( see judgment assignment and XXXX XXXX XXXX Statement ) 2. The original action occurred XX/XX/XXXX, that is over 5 years ago. The statute of limitation in XXXX is only 1 year, making this time-barred. Also I am a XXXX resident and the statute of limitations in XXXX is only 90 days. So this also violates XXXX public policy. 

3. Based on the XXXX XXXX XXXX statement I provided, my drivers license, my credit report, my address has always been in XXXX. But based on the XXXX County Public Records website ( see printout from XXXX/XXXX/XXXX ), Dyck O'neal intentionally and willfully filed this lawsuit with a false XXXX address I have never lived. Potentially disclosing my information to a third party and commencing legal action and obtaining a default judgment without my knowledge. The sewer server service denied me the legal right to defend myself. 

Since I am a XXXX resident with absolutely no connection or contacts to XXXX. It 's difficult, inconvenient, and expensive for me get out-of-state legal assistance regarding this issue so I am desperate for the Consumer Financial Protection Bureau to assist ensure a fair resolution. 

I recently became aware of this after reviewing my credit report which dropped XXXX points. I also applied for a job, and after a background check they sent me a Fair Credit Reporting act notice ( see enclosed letter dated XXXX/XXXX/XXXX ). 

Not only is this embarrassing, but this illegally obtained judgment has devastated my credit score, damaged my reputation, causing me XXXX.
Consumer complaint received 2016-04-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MD)

auto loan from ally financial 6yrs agreement, I paid 3yrs without late any month, unfortunately I loss my job late XXXX I lost my job and I did ask the bank to lower or stretch my finance because of loss job the bank said they will take the XXXXlate payment and they will investigate and see where to place me on refinance category, fortunately I have n't had anything from then so I cont inued to hassle and pay my bills for 4 month without late then I called the bank and asked again they said it still under review I should get a notice in the mail 9month later XXXX I asked them again they said in 3month I should receive a call or letter in mail so I continue 7month payment by XXXX XXXX things were not well and I asked the bank again and they kept asking me to keep paying a few months I should qualify for a program, which will be able to cut some interests and month I owe, I did referred them that 4times they have promised me and no results, so they told me how do I make payment on my other bills and how do I pay my rent and feed my self? they did called me XXXX XXXX for a while until I notify the creditor I want to keep my truck if you reconsider about my loan then my loan balance was {$8200.00}, i paid from $ XXXX.so they told me they will take the truck and auctions it and I will be liable a\still for the same amount because they 've made their money last yrs that I paid so later XXXX after they took it and I surrender it they sent me a letter told me the truck was sold {$5500.00} or more XXXX XXXX XXXXmiles snow plow and package was include only plow cost XXXX and truck worth around {$7500.00}, so the letter said it sold XXXX $ and I still owed themXXXX $ then later after 3collection company bought and adjust the numbers it came up XXXX while XXXX they said was XXXX then XXXX then XXXX the in credit profile says XXXX, i have tried my best to contact them on XXXX and they just give me a contact number when I called them I leave messages and no one call back
Consumer complaint received 2017-04-29
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: Experian Information Solutions Inc. (MI)

On  XXXX  21,2017   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Pa  XXXX   XXXX  this company had an inquiry on my credit report that was not authorized by me.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (NJ)

Flagstar Bank is reporting a 30 day late payment on my credit report that is not accurate. Currently, I am seeing 30 days past due as of XXXX 2013 which can not be true. I have disputed this account several times and see that they are in violation of the Fair Credit Reporting Act by not reporting the account as in dispute which entitles me to {$1000.00} per violation.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Tal Lewis Incorporated (CA)

I have been constantly been getting annoying phone calls from a debt collection agency over a debt that is XXXX years old. I tried to reach a settlement with the collection agency in which they replied that they would get back to me with a response. One of the representatives then proceeded to daily harass my family members stating that they where going to arrest my mother, garnish my aunts social security benefits. I contacted the debt collection agency and asked them to please stop calling my family members and if they had any further questions to contact me either by phone or email, i received no calls from them but they continue to harass and intimidate my aunt. I called the agency again and told them that i would make payments as previously discuss i just wanted in writing what we had agreed on the amount of settlement and the monthly payments that would then follow. Still i heard no response from the agency they continued to intimidate my aunt about my debt. The problem is this agency wont accept payment if it is not cash and they ignore the fact that i am requesting written notice of the settlement amount we had agreed on. I also dislike how they continue to badger my aunt about them garnishing her social security benefits, and telling her they have a lawyer. My aunt is XXXX XXXX woman whose only income is her social security benefits, she is ill and does not need a collection agency aggravating her daily with threats.
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NY)

The Department of Social Services paid my XXXX XXXX XXXX XXXX when I was laid off. I have since moved and have been paying back the Dept. of Social Services for this. I received notice from Penn Credit collection agency in stating I owe XXXX XXXX. I sent them a certified signature required letter with copy of confirmation of Dept. of Social Services making payment and requested they remove from my credit report and to correct this information on their end. Rather than do that they again sent me only a request for payment, even though they signed the certified letter from me. I called and they started yelling I owe them money so I stated I was filing a complaint with CFPB
Consumer complaint received 2017-03-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (IL)

On XX/XX/2017, received a letter from XXXX stating it was representing Aargon Agency Inc in the collection of {$190.00} owed to XXXX. Business has never been conducted with any of the named entities.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

We used a Chase VISA credit card for services at a veterinary clinic. The services were sub-standard and were harmful to our pet. Although, we disputed the charges, XXXX XXXX, disputes dept. XXXX, extension XXXX said that services rendered could not be disputed. However, this is incorrect as XXXX publishes that services can be challenged if they are not in accordance to a reasonable standard when compared to similar merchants. Although we provided extensive evidence that the merchant failed to provide services in accordance with a reasonable standard by contacting XXXX major veterinary clinics, XXXX XXXX refused to proceed with the dispute saying that even if that were true, Chase can only ask the merchant bank for a credit which she was certain they would not provide. I was surprised by this as I had been a XXXX year customer of Chase bank. I was even contacted by the Chase " Executive Office '' only to disover this was another level of customer service with no ability to make decisions. The agents name was XXXX XXXX, XXXX, ext XXXX and she said that Chase did contact the merchant bank but they refused to issue a credit saying the charges were valid. Again, since we were able to provide evidence that the services provided were substandard, caused harm to out pet, that was XXXX results took XXXX hours to receive thus extending the hospital stay and costs, unnecessarily ( 24 hrs is standard turn-around time for results at all vet clinics of similar size ), we dispute the services as substandard and useless due to timing issues which provided little to no options for us to consider in the treatment of our pet.
Consumer complaint received 2022-10-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (WA)

Paypal is making promo offers, then not honoring the terms of those offers. 

XXXX ) Paypal offered {$15.00} off a XXXX purchase of {$25.00} or more. I, as well as many other people, were shown a {$15.00} discount prior to purchase, then were charged the full price by Paypal. Paypal is refusing to honor the {$15.00} discount they promised. 

XXXX ) Paypal offererd a {$25.00} bonus in cryptocurrency when purchasing {$100.00} in cryptocurrency through their site. After purchasing {$100.00}, they have refused to honor the {$25.00} bonus that was promised. 

In summary, Paypal has made promises for offers -- published on their website -- that they now are choosing not to honor. This thread, https : XXXX, contains multiple people who encountered similar situations, and who have been rejected by Paypal.
Consumer complaint received 2017-04-29
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: Experian Information Solutions Inc. (MI)

On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

My first and second mortgage was through XXXX XXXX. We negotiated a short sale with them. They agreed to remove the balance on the first mortgage and close both the first mortgage and second mortgage and CHANGE THOSE STATUSES TO UNRATED. The first mortgage was properly notated but the second mortgage XXXX Account XXXX ) is reflecting a status of " Charged Off ''. I disputed this with the bureaus and they left the status the same. 

The three credit bureaus would have submitted this to XXXX XXXX. They would have sent back the dispute indicating that the charged off status is correct. This is contrary to the arrangement we had for the status after the charge off. The Fair Credit Reporting Act provides that the data furnisher has the same requirements for processing disputes and providing the correct data as the bureaus do ( FCRA section 623 XXXX a ) ( 1 XXXX ( A )
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

Equifax continues to report a tradeline for the collection agency, XXXX XXXX in spite of the fact that the account can not be verified. I contacted XXXX XXXX directly and they informed me that they did not have any accounts associated with my social security number. I subsequently disputed the account with Equifax, XXXX and XXXX. In response to my dispute, XXXX and XXXX removed the account from my report, but Equifax has continued to report it.
Consumer complaint received 2018-05-29
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. (CA)

XXXX XXXX  XXXX XX/XX/XXXX {$8900.00} XX/XX/XXXX {$8900.00} CHARGE-OFF {$4000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XX/XX/XXXX {$340.00} CHARGE-OFF {$1000.00} equifax wont remove these fraudulent accounts
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (SC)

Requested an investigation because of inaccurate information on my credit report. In the dispute I requested that the information be deleted. I made this request on XX/XX/2016. Equifax received the letter on XX/XX/2016, USPS Tracking Number XXXX. I just received a response today. The response was in reference to a second letter that I sent to them. Per the FCRA all items are be deleted if the investigation was n't conducted within 30 days.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I disputed the accounts with Equifax in which Equifax corresponded that the accounts with XXXX XXXX and XXXX were accurate. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX Bank & XXXX XXXX regarding the alleged accounts. XXXX was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged accounts and the creditor XXXX XXXX Bank or XXXX XXXX can not validate the alleged debts?
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus. This complaint is against EQUIFAX credit bureau.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

XXXX was an account I included in my chapter XXXX bankruptcy that was discharged. On XXXX and XXXX, the trade line is reporting correctly as Included In Bankruptcy and showing a {$0.00} balance. On Equifax , it is still reporting incorrectly as a Charge Off account with a balance of {$210.00}. I submitted a dispute and received results stating that the information is correct and would not be changed even though I included my bankruptcy schedules listing XXXX as being included along with my Certificate of Notice and discharge letter from the court.
Consumer complaint received 2016-10-21
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (VA)

Paypal unfairly withheld proceeds from credit card transactions for over two weeks. It 's been two weeks since payment is received from my eBay sale and the balance continued to be withheld. I have been an eBay/Paypal user for many many transactions and so is the Buyer. There is no reason for them to do this other than greed to capture additional " float ''.
Consumer complaint received 2017-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (TX)

This is very simple. My payments were set to draw every  XXXX  of the month -- been paying it on time every month for about 7 years. My wife and I decided that we were finally in a position to get aggressive paying off our loans. The one problem we had was that payments were drawn on the  XXXX ,  XXXX , and  XXXX  of each month. I realized we had a chance to pay off in full everything on the  XXXX  and then if we could move the  XXXX  payment to the  XXXX  or  XXXX  -- all ACS loans -- we would know how much surplus we had each month and would make additional payments simpler for us to make. So I first called all  XXXX  of our credit card providers to synchronize those payments to the  XXXX  week of the month. No problem, this was easily completed in less than  XXXX  hour. Then I called ACS in early   XXXX   XXXX   They said on the phone the  XXXX  or  XXXX  were simply NOT options. The best they could do was the  XXXX . But I had to send them a email, they simply could NOT start the change based on my phone call to them. Ok, I complied. Their bounce back email said a response said : " We will respond to your message in  XXXX  -  XXXX  business days ''. This statement is false. Probably a delay tactic by ACS. I waited for over a week before they replied on the  XXXX  of  XXXX  that they had to wait until the  XXXX  payment processed and then they would " ask '' the lender if it was possible. I do n't understand how I can make every payment on time, even at times when my wife and I were actually losing money month over month and then make a very simple request and yet get treated so terribly. If they ca n't do it, fine -- tell me that when I call in!!  ACS  is a deplorable institution engaged in fraud and deceit and they should be held accountable, as I would be if I failed to make those monthly payments.
Consumer complaint received 2022-10-02
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. (NM)

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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF THE TREASURY : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : # XXXX 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2015-11-25
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Forster & Garbus LLP (NY)

Forster and Garbus, located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX has been paid in full by me and refuses toforward to me, the letter of satisfaction stating that they were paid infull. Forster and Garbus bought the debt from XXXX and filed a judgment in the with XXXX County Court that states as non satisfied debt paid. I have left Forster and Garbus several voice mails giving them the change of address to send the letter of satisfaction and I have received no response. My new address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The previous address was XXXX XXXX XXXX, XXXX, NY XXXX. I want a letter of satisfaction sent to my home or please advise me on what the next steps to take to have them send what I need. In addition, much of the debt on the XXXX credit card was charged when I resided in the state of XXXX prior to returning to XXXX. They, Forster and Garbus had knowledge of that.