davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (AZ)

My name is XXXX XXXX. On the XXXX, I sent money through this organization ( remitly ) and then canceled the transaction and since then the money had not refunded to me despite several attempt to get the money refunded. The money was in the amount of {$100.00} and the transfer fee of {$4.00}. I was asked to contact my bank with a ref number which I did, and it was confirmed that the money had not been refunded. I even put a representative of remitly on the phone with my bank to confirm that the money had not been refunded, yet nothing happened. I had made several phone calls to Remitly and nothing happened. The name of the recipient was XXXX XXXX XXXX in XXXX XXXX. 
Thanks XXXX XXXX
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-11
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: EQUIFAX, INC. (AR)

The problem started with the credit report Equifax created for me in the year of XXXX making my date of birth XX/XX/XXXX, while I worked for XXXX XXXX XXXX after being laid off for a week and going back to work with my daughter 's SSN as my SSN and later all other applications that have been filled with my daughters SSN number instead of my SSN number and the fraudulent through XXXX XXXX in the year of XXXX, after realizing the in the year of XXXX that the loan was fraudulent I filed several reports with the FTC, Police Dept, and Consumer Protection Bureau of Arkansas. I filed a claim through XXXX XXXX XXXX XXXX, which represents EQUIFAX, which as of today XX/XX/XXXX, I have not receive any response from the company on my claim and it has been two years with no response at from the insurance company. Like I have stated in many of the complaints I have filed with you all Equifax is the reason I am no longer at XXXX XXXX XXXX putting me into situations of creating hostile and criminal activities against mY daughter and myself for the past 19 years going on 20 years. My daughters and I are part of the Equifax Data Breach for the year of XXXX which has tremendously put me in a crisis for the past 19 years of my life from jobs to financial matters that has been overwhelming to me to recover from this loss since I left XXXX XXXX XXXX in the year of XXXX.I started at XXXX XXXX XXXX on XX/XX/XXXX or XXXX of XXXX, not in the year of XXXX XXXX
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IN)

I mislaid my credit card. I called the credit card company to report it and customer service was closed. The automated system said they would close my account and start a new account with new numbers. 

Since I have a promotional balance that is due next month, I dont know how that will affect it.
Consumer complaint received 2019-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc. (FL)

Since XX/XX/XXXX, I received repeated phone calls at home an work from XXXX. I requested that they send me the ensuing information concerning the debt : name and address of original creditor, copy of the original signed contract, and complete accounting /statement of payments, interest, and fees associated with this debt. XX/XX/XXXX I received a letter from McCarthy, Burgess @ Wolf regarding the same debt reference number XXXX  XXXX
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

I applied for a mortgage with Chase in XXXX, closing end of XXXX. At the time, I was shopping around for rates and the loan officer promised that he would beat the competitors and get me a 2.625 % rate after applying discounts. I agreed. After applying, we reviewed the conditions for these discounts, and I fulfilled them. This was confirmed with the officer via both email and sms text. However, the rate quoted on underwriting document and loan agreement had none of the discounts applied ( 2.875 % ) in late XXXX. I sent multiple follow up emails and calls over the following weeks/months asking for the rate to be updated on the documents and the loan officer confirmed and assured me it was being worked on and would be reflected during close.

20 days before close my case was passed to a different officer and I was told the terms I was given do not qualify for the discount. They are refusing to honor the rate that we had agreed on both verbally and in written communications without moving additional funds, and with no acknowledgement or apology for any mistakes. 

I feel as if I had done my due diligence in confirming with them many times over the three months that I had moved sufficient funds and taken the appropriate actions to qualify, and at the time they had assured me that I had. To change their messaging at the last minute, despite having three months to notify me, leaves me with no recourse to go to another lender ( and had I been given the terms originally, I would have gone with another lender from the beginning ). I feel that they need to honor their originally agreed rate, and they have long passed the reasonable window to be making additional demands.
Consumer complaint received 2021-02-13
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: WELLS FARGO & COMPANY (OR)

Wells fargo took back a merchant credit and closed my claim due to " Reversal of Excess Credit Due to Merchant Credit Claim '' but never once contacted me regarding this. The supposed " merchant credit '' was a refund from a separate purchased on a completely different debit card. I've contacted them every day for the last 2 months and have never received a call back or been able to speak to any agent that could help. 

I've also contacted corporate and filed at least 3 complaints and still have not been able to speak to anybody who can help. 

Dispute date : XX/XX/20 Dispute amount : XXXX Actions taken by company : They never ONCE called me to ask for more info or anything telling me they didn't need info. I provided all receipts for returns of the items emails and even tracking # s to prove that I did in fact return the merchandise and was not credited. Its despicable that I haven't been able to get an agent on the phone who could help for well over 2 months and at this point i'm at a loss for what to do.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Approximately on the date of XXXX. XX/XX/2021, wrote a check to XXXX bank in the amount of {$150000.00} wanting to transfer funds and deal with only bank. At which time Chase bank froze the account and would not allow the transaction. Causing a situation at XXXX bank. Chase has been impossible to deal with or contact. If you do reach a person they are normally unable to help or are not cleared or authorized to comment. Please hold- next person same situation or you need to go to a local branch where I'm told that its out of their hands, here 's a number to call. Been there done that a number of times to no avail. 
Rude, discourteous, and even hanging up. Was told that the account had been close and check was in the mail around XX/XX/XXXX tenth.waited a couple of weeks and no check.Called back and was told check had been mailed and that they would have to investigate and resend. Waited an no check.Called back and was told they were investigating and the account had been closed and funds distributed. Not so. 
Consulting with our bank reps at XXXX and our attorney we're using on another matter, we were told there was no reason Chase bank was allowed to do this. Mr. XXXX XXXX XXXX, the first signature endorsed the check to XXXX for the transfer of funds to XXXX. Mr. XXXX passed XXXX. XXXX, which had no bearing on this issue because I was and am still the second signature on the account. 
Note that they have received copy of death certificate which they didn't actually need because I also owned the account. 
As a Veteran of this great nation and a senior citizen I feel deeply violated and humiliated and awed that a bank or any other business could rob you and it be allowed. I can't begin to describe the helplessness I felt, and the disrespect. Please HELP respectfully. Worst company Ever.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NE)

I was advertised and promoted to use the flex plan associated with the credit card company which allowed me to make fixed payments, with fixed repayment terms and fixed interest rate on certain purchases. 
I made regular purchases outside of the flex plan subject to my current APR rate for the month of XX/XX/2021. Flex plans were already existing and in place. 

Language in the statements says the following : " We apply any amount you pay above your Minimum Payment Due first to the balance with the highest APR, the to the balance with the next highest APR, and so on. '' I made a payment on XX/XX/XXXX and XX/XX/2021. One payment was for my minimum balance due and the other was for my outstanding purchases. My outstanding purchases payment was applied to the flex plans that had a lower interest rate than my outstanding balance.

I tried to resolve the issue multiple times with the credit card company and was met with multiple different and inconsistent reasons why the payment was applied the way it was, hostility from customer service, hung up on by customer service, told the issue would be resolved and I would be sent written correspondence 5-7 in the mail explaining the issue being resolved, instead the issue wasn't resolved and I received a letter explaining how payments are applied in general. 

Issue is still not resolved, company unwilling to offer a solution or comprise to fix issue despite bait and switch tactics that should be reviewed for Unfair, Deceptive, and Abusive Acts and Practices ( UDAAP ).
Consumer complaint received 2021-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WY)

XX/XX/XXXX Citibank Customer Service XXXX. XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX Citi MasterCardXXXX ( XXXX ) XXXX I am writing to you to demand my outstanding {$540.00} credit back with applicable interest and late fees. I was promised by Citibank to have the check delivered to me in 10 days. 
XXXX XXXX  XXXX  XXXX  on XX/XX/XXXX signed a binding agreement with me to move my belongings from XXXX, XXXX  to XXXX, XXXX. I paid them {$540.00} deposit, but the moving company did not show up on the date they promised. They did not move my household that was packed up in boxes and they said that they did not have a new time for me when they will move me! I disputed the {$540.00} back from Citibank and I hired another moving company. 
Citi reversed the charge but the {$540.00} sit on my account Citi did not sent me my money back. 
Every time I call customer service they came up with a new lie. I was told before that the computer system was down, then the phones were down, and they could not send me a code to verify my phone number, then the XXXX representative said that my name was not on the account. 
I closed all my Citi accounts and demanded my money being sent back to me XXXX customer service representative from the XXXX put me on hold for 20 minutes verifying my identity on XX/XX/XXXX. We have got this far previously. But when the account is verified the representative HUNG the PHONE UP. 
From what I see Citi is not a bank but a criminal enterprise from the XXXX in business for embezzling American customers money. 
I was on the phone for 35 holding with the lying XXXX representatives to verify my account till they hung up on the XXXX of XX/XX/XXXX. 
I was on the phone verifying my identity for 30 minutes on XX/XX/XXXX till the representative hung up. 
I was on the phone verifying my identity for 30 minutes on the XX/XX/XXXX till the representative hung up. 
I was on the phone verifying my identity for 25 minutes on XX/XX/XXXX till the representative hung up. 
Citibank employees are trained liars! Citi customer service representatives have been trained by Citibank executives! 
Dated XX/XX/XXXX Citi sent me a letter saying that now my account is closed, and they reversed my dispute and sent the {$540.00} back to XXXX XXXX  who did not move me! 
I am outraged that Citi is allowed to embezzle money from customers!
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion responded to your previous complaint number XXXX stating that they were forwarding the complaint to their consumer relations departments and it will take 60 days to receive an answer. There is no law that grants them 60 days to respond to my concerns. If I attached the discharge documents that they asked for, which I did, then it does not take 60 days to review the documents and admit the errors that they have continuously allowed be reported on my file. I have struggled to get answers with this for nearly 2 years. I am beginning a law suit against another report furnishers for a similar offense and will be including Transunion as well. I have asked for the erroneous accounts on my report to be updated to reflect my bankruptcy for nearly 2 years. I have contacted the data furnishers and they confirmed that my information is reflected as discharged in the bankruptcy. Transunion has failed to update this as well. This failure is causing me severe hardship including not being able to secure housing and employment. This has been an ongoing issue with multiple credit report furnishers. I will be following up with law suit with all parties involved.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/2017 XXXX {$3000.00}
Consumer complaint received 2021-11-05
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

After 2 disputes submitted and denied by XXXX, Equifax, and XXXX, XXXX XXXX still FALSLY misleads submittals to these credit agencies by writing that I " Paid '' the past-due amount but then WRITES -- " {$730.00} Written Off ''. XXXX XXXXXXXX XXXX slowness in internal processing lead to their statement of " {$730.00} Written Off '' in the Account with XXXX  XXXX in XXXX. In addition, I believe the simple remedy is for the 3 Credit Agencies, at least, AND if possible to include XXXX XXXX, to list the TRUTH in my 3 credit reports as " Paid. Account Closed ''. 
Lastly, they mistakenly state that my account was opened until XXXX. I believe this is a FALSE statement because it was settled much earlier about XXXX, which would lead to it being deleted all together due to the 10 or 7 year listing of such item being EXPIRED for being listed in current credit agency listings. XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

These collection accounts were not investigated properly, or at all by XXXX and Equifax. XXXX has deleted. I need for XXXX and Equifax to follow suit. They are also UNABLE to provide me with a method of investigation per FCRA 611. 
XXXX XXXX XXXX ASSOCIATES IN ( Original Creditor : XXXX XXXX ) Also, Equifax is reporting a company without a name on my credit report. There is no information on this company. Who are these people? 
( Original Creditor : ) Account # XXXX
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

Im to the point that Im really considering on taken you to federal court because Im on maternity leave and Im not getting paid for it plus its a pandemic. Your bank has been giving me stress since I was pregnant with fees excessive over draft fees for things your bank caused and now a {$15.00} fee for a monthly service fee. I called the 1800 number just now and was treated very rudely my agent and supervisor the supervisor even hung up on me. I dont deserve to be treated this way. I return back to work next month and I thought as long as I kept money in my account I wouldnt be charge any fee. I need all fees taken off including this one. Thank you for your time and have a great day and please be safe. I apologize if Im being rude. Im just so tired of your bank Wells Fargo treating me this way since I was pregnant to the point my doctors are aware and your supervisor just hung up on me.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

From XXXX thru XXXX of 2021, I filed a dispute with XXXX, Equifax and XXXX about the unverified and inaccurately reported collection account : XXXX XXXX XXXX Account number XXXX that was reporting a different date of last activities and different high balances being reported. According to FCRA any inaccurate and unverified item must be removed from a consumer 's credit profile. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in several months. I am attaching a copy of my report to show the inaccuracies I am complaining about.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. Thank you
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OH)

On XX/XX/2021 I brought a water tank from XXXX for {$570.00} when the hot water tank was delivered I had to wait till a plumber could come and install it on XX/XX/2021 the plumber whom came to install it informed my the the gas gage on the from was shot that I needed to contact XXXX XXXX via the number on the tank to request a replacement. I reached out to several time to find out how to return the thing. My I even contacted my local store on XX/XX/2021 they informed me that a hot water tank from online couldn't be returned to the store. I requested a refund with my bank because I explored every avenue, including buying a new tank that has been successfully installed. I put in the request for a refund and Chime declined the request! This is a theft of funds the tank that was defective and I made every good faith effort to return the item I have the item and will return it with direction on how to do so.