davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

The primary purpose of my message is to file a complaint against Citibank , N.A . ( dba Best Buy Credit Services ) regarding our Best Buy XXXX credit card. The treatment I received aligns with well-documented complaints of inflexible late fees and interest charges from other consumers four times as many complaints as the next-closest bank ( according to the Consumer Financial Protection Bureau ). While Citibanks accounting methods may not be illegal, I submit the ethics of Citibanks business practices are questionable ( at best ). 

On XX/XX/XXXX XXXX last Thanksgiving Day XXXX, I opened a Best Buy XXXX  XXXX  account for the benefit of a deferred interest promotional offer. On the first page of the first statement we received, Citibank ( which issued the account ) stipulated, You must pay your promotional balance... in full by XX/XX/XXXX to avoid paying deferred interest charges. Under the Deferred Interest Promotional Offer Update heading on page three of the same statement, it said, No Interest if Paid in Full in 6 Months, Monthly Minimum Payments Required. 

The first statement we received had a closing date of XX/XX/XXXX, with a minimum payment of {$28.00} due by XX/XX/XXXX. Although Citibank did not expect/require payment until XX/XX/XXXX, I made a payment of {$80.00} ( toward purchases of {$460.00} XXXX in XX/XX/XXXX already. From XXXX to XXXX, I made monthly payments of {$80.00} each, and a final payment of {$65.00} in XX/XX/XXXX, for a total of {$460.00} ( the purchase amount ). As a consequence of their billing practices, I ended up with {$330.00} in accumulated late fees and interest. 

Yesterday XXXX XX/XX/XXXX XXXX, I spent several hours on the phone with several Citibank representatives. The first call ended abruptly mid-sentence. ( Its possible that we simply got disconnected, but it really sounded like a hang-up. ) Eventually, after two more calls and speaking to four more people ( with lengthy holds between each person ), I had explained our story five times. 

The last agent offered a settlement. Seemingly, Citibanks policy precludes the phone agents from removing late fees and interest charges. Regrettably, I accepted their settlement offer of {$180.00} for one simple reason : We have an excellent credit score and I am unwilling to gamble with it. 

To be sure, I made payments of significantly more than the minimum amount each month and paid the full balance nearly a month early. As such, I honestly do not believe that I owe ( d ) the {$330.00} in accumulated late fees and interest charges. Also, I have no reasonable expectation ( or confidence ) that Citibank will make it right, although Im ready to be wrong in this. One can only hope that Citibank will be held accountable for these egregious practices.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ATG Credit, LLC (IL)

They had my parents number, which I have not lived with my parents in over a decade. My mom told them the first time that I didnt live there, and they called 3 more times. When I finally called today and explained what was happening, XXXX told me that didnt happen and no one called my parents house more than once. My mom took a message each time. They were very rude and dismissive.
Consumer complaint received 2022-08-18
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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (MO)

I have been trying to get my money from chime in the amount of XXXX from my savings account. They have suspended my account and refuse to give me my money back. I have emailed support/review chime on numerous occasions and have not received any sort of response. Chime refuses to just close the account. I have verified all of my information. They are preventing me from paying my mortgage and bills. Chime is negligent in providing answers there member service reps just give you any answer you want to hear without actually taking care of the problem.
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (OK)

I am submitting this complaint on behalf of XXXX XXXX XXXX of Colorado. ( Third party CRA ) We are getting a lot of complaints from our clients regarding their clients being put on trigger lists after they pull credit. So this complaint is against Equifax, XXXX XXXX and XXXX. A lot of these clients have had their borrowers opt out and put their number on the Do Not Call Registry. We understand that it is the credit bureaus selling their information and we believe this to be an unfair practice. Our clients borrowers are getting bombarded with phone calls and emails once their credit is pulled. These borrowers complain to their loan officers who in turn complain to us. It seems to have gotten a lot worse over the last few months. We have guided them in every way possible to help their borrowers avert this from happening but it is ongoing and extremely frustrating for their clients and for our clients. We do not condone this practice or understand how it is legal to sell a borrowers information without their specific permission. We are hoping an investigation can be done regarding this practice and steps be put in place to hopefully end it or at least have a fool proof way of guaranteeing a borrower they will not be placed on these lists. I am available for any discussion on this matter.
Consumer complaint received 2022-08-28
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)

ive tried a few times to correct this problem the fair credit act states that they need to provide me proof to these inquirys and have not got a thing i want to see proof of my signature and every thing else in regards to these inquirys if they cant provide my signature they need to get those inquirys off my credit report
Consumer complaint received 2021-07-16
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. (NV)

I am writing this due to non-compliance with the CRA XXXX XXXX Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

I have asked for validation as well as the fraudulent personal information be removed from my credit and yet it has remained and in attempt to update their information they have done so inaccurately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

on XX/XX/2019 I made an online payment from XXXX XXXX bank to MyLoanCare. The records online showed that the payment went through, however I found out on XX/XX/XXXX that the payment did not go through. I transferred some other funds XXXX XXXX to another mortgage because I thought that the payment for MyLoancare had already gone through. However since the funds were below by {$50.00} the payment had not gone through. I spoke to them on XX/XX/XXXX to see if there were any issues and I was not told about the NSF ( insufficient funds fee ) but then on XX/XX/XXXX I see there was a {$25.00} fee charged. 
I politely asked to see if this fee can be reversed as I was paying additional amount and that I had not been behind on my payments ever. However I was told that they would not reverse this charge. 
I politely asked to speak to a supervisor and they said the supervisor will also say no and I never got to speak to supervisor. I was just told the answer is no. 
I dont feel that I should be charged {$25.00} dollars because of a bank error in regards to transfer of funds. The online payment system for Myloancare is never updated and it kept showing that the funds had transferred and the site was never updated until XX/XX/XXXX. I had even called to see if there were any issues with the payment and I was told that they payment had gone through. Because of their misinformation the insufficient funds issue arose. However I have to bear the fees, the amount is small but I am more upset with the way they treat a customer that has always paid on time and that they do not take responsibility for their mistakes and failure to update their website and account information shown on their website when I log in to my account.
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-18
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. (MA)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 & my rights have been violated in numerous amounts of way, one of many being most recently with the false credit scores they've admitted to reporting. 15 USC 1681 states : there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness importance & respect for the consumers right to privacy. 15 USC 16981 sec 604 ( a ) sec also states a consumer reporting agency can not furnish an account with out my written permission. These rights as well as a number of many more have been violated by equifax & I demand all accounts reported be deleted & removed from my credit report, I've listed accounts bellow Account : XXXX XXXX XXXX Account : XXXX XXXX Account : Student loans ( dept of edu/XXXX )
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (CA)

Paid off car XX/XX/XXXX requested lien release, XXXX XXXX XXXXXXXX XXXX on 5 times, called ed title dept on XX/XX/XXXX said would be mailed 5-7 days, called XX/XX/XXXX spoke to XXXX, said would have it expedited, should go out XX/XX/XXXX called XX/XX/XXXX was told request was cancelled, spoke ti XXXX XXXX a supervisor she said she would have to research and put in an additional request, total contacts 14 lein release received 0 acct XXXX
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

There is a Veterans Affairs/Administration debt on my Equifax credit report. This debt was a mistake and the Veterans Affairs/Administration has taken action to get the debt DELETED from my credit report. It has been successfully removed from XXXX and XXXX but Equifax refuses to remove it stating that the Veterans Affairs/Administration has continuously verified that I owed the debt. Attached is a letter from the Veterans Affairs/Administration to myself ( Dated XX/XX/2016 ) stating they have taken action to reflect delete on my credit reports and it could take up to 45 days. I sent this letter to Equifax and they ignored it and said they would not take any action to contact the Veterans Affairs/Administration and ONLY used an automated system. They informed me they were not allowed to contact the Veterans Affairs/Administration. I asked for it in writing and they hung up on me. They have, on many occasions, asked for my phone number and as soon as they put me on hold, they hang up the phone. I have a XXXX XXXX XXXX and this collection may have a negative impact on it if it is not removed promptly. I have been trying for over a year to get this resolved. Thank you for your assistance.
Consumer complaint received 2022-08-18
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. (CA)

I have me several attends to remind you of your duty pursuant 15 USC 1681. It appears that youre intentionally and willing being neglectful in remedying my affairs. 15 USD 1681e ( b ) assures that I'm due, promised accuracy in my report base in federal law. I am making this call as another attempt to have these errors connected on my credit report. 15 USD 1681i ( A.5 ) says all unverified information mist be promptly removed. This infomation was update without proof of wet signtures, eoscar permission or any documentation. 


In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX  account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX Equifax account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Equifax account XXXX XXXX XXXX following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc. (CA)

On XX/XX/2022, I attempted to withdraw my money from Crypto.com and was not permitted. The same day I sent an email to their customer support asking for my money to be withdrawn. Crypto.com replied on XX/XX/2022 that I was under the minimum requirement of {$100.00} to withdraw my money and would not be able to withdraw it until it was above the {$100.00} minimum. Their suggestion was to deposit more money until I had {$100.00} in my account and then I could make a withdraw. 

I replied via email on XX/XX/2022 that I was looking for a solution that did not require putting more money into Crypto.com. They replied that it was the only solution available to me. 

The same day ( XX/XX/2022 ) I asked for the issue to be escalated. Their response on XX/XX/2022 was to advise me to either purchase crypto and then make a withdraw or deposit more money so I can be above the {$100.00} minimum for withdraw. 

Their minimum for depositing money is far less than their {$100.00} withdraw minimum, and I am simply interested in receiving my own money without having to jump through hoops.
Consumer complaint received 2022-08-18
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. (NC)

XXXX continues to report the initial delinquent date incorrectly with the credit bureaus With regards to the XXXX account on my credit file. 

This is their data here attached that clearly shows the initial delinquency is XX/XX/2017 per their own records. 

If not fixed immediately I am hiring attorneys to Sue all involved.
Consumer complaint received 2019-09-12
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. (UT)

XXXX XXXXXXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.
Consumer complaint received 2020-09-30
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Consumer complaint received 2021-07-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I deposited my tax return check To an ATM at wells Fargo I put my card chose the deposit check out my check it took my check said thank you for you're deposit on the screen and didn't give me a receipt .. I straight away called the bank to let them know my deposit was not in my account they said ( don't worry it may take up to 24 hours to post ) it never posted I've opened claims to Witch wells Fargo closes they stole my check .. my tax preparer know the check was cleared XX/XX/XXXX into a wells Fargo account because the routing number is from wells Fargo ... it's been months and still have not received my check I've done a police report everything and nothing wells Fargo has the worst employees ..rude and XXXX XXXX wells Fargo has my money in an account my tax office has confirm my money is in wells Fargo