davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent out some letter To Verify The Accuracy On my Credit Report. I have not receive a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be deleted. the Companies were unable to provide me with proof of the supporting documentation. This is embarrassing and damaging to my reputation as a consumer. I need financing for a new house. I damant they block and remove the accounts.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AZ)

US Bank makes it increasingly difficult to request credit card agreement and terms. US Bank makes it increasingly difficult to file disputes on charges. US Bank credited me back XXXX cents XX/XX/2021 for my dispute on a merchant charge plus my rewards credit of XXXX cents on XX/XX/2021. US Bank subsequently stole my money from a dispute and rewards redemption claiming they are unable to mail a check for under a dollar. US Bank made it difficulty to receive my funds back stating I would have to make numerous calls for a resolution. On XX/XX/2021 I called to speak to card member services representative XXXX who requested a manager call back on my behalf. Final resolution still pending on numerous issues.
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (OH)

There is a creditor on my bureau that has refused to remove derogatory information at my written request a whopping " three times ''. I do not have any knowledge of this business XXXX XXXX as it 's described on my bureau nor the third party agency refusing to remove the information from my report noted as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX. 

This company has not produced anything in writing with my signature at my written request and has not responded by mail or otherwise to give proof I owe this debt, what it is for, where it originated from or any other information. I demand this derogatory information be removed from my report as they have not provided any sufficient information to validate this debt belongs to me. its reporting {$240.00} XXXX XXXX, 2015. I do not owe this amount, have no idea what this is for and have never heard of this business. I would like this information removed at once.
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I setup an account with Coinbase and invested XXXX GBP. I made a little money buying virtual currency and sold the stock which is now valued at XXXX Euros. I have tried to withdraw this money and the company are not allowing me. 
I have emailed them, tweeted, and getting no reply. I think this is a scam company
Consumer complaint received 2017-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

I was n't getting a high enough interest rate for my savings account at Citibank and went to withdraw my money from the account. The Citigold relationship manager, XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX IL XXXX location of Citibank said, in order to retain my business, he could potentially get me 1 % interest rate on a new savings account he could open up for me. He said that : - Normally I would need to add an additional {$25000.00} to my Citibank account. However, he could override that for me and get me the promotion. 

- I would need to transfer my money from the XXXX branch where it currently resides to his branch. 

We went back and forth on email a few times. After that we spoke on the phone and he said he both transferred my account to XXXX and got me the 1 % interest rate. This was at the end of XXXX. 

I had over {$300000.00} in the account and feel like I am due interest of 1 % for the last 2 months.
Consumer complaint received 2019-08-14
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: BARCLAYS BANK DELAWARE (NY)

Through my interaction with Barclay Bank over the last several years, it is in my opinion that this bank fails to conduct business in professional and ethical manner. 

Latest unresolved problem : I had received kitchen cabinets that were damaged and had errors in the order that were charged on my credit card in XX/XX/XXXX and XX/XX/XXXX. When the merchant wasn't responsive to resolve, I disputed the two charges on my credit card, XXXX Visa by Barclay Bank. My first being, they failed to register my dispute and charge back until months later ( XX/XX/XXXX ) when I followed up. The merchant noticing this charge back months after deliver of the cabinets filed a police report. Even though not resolved, I wasn't willing to turn a civil case into a criminal one and I removed the dispute in XX/XX/XXXX. I was finally rebilled on XX/XX/XXXX ( {$2000.00} and {$830.00} ). The merchant claimed he was not credited and filed a mechanics lien on a housing co-op property where I live. I called multiple times and mailed a letter asking for proof the merchant was paid. I never received the letter that I was first asking for nor did I receive the details I requested. I requested what day and time was the merchant issued the payment, what manner of payment, and what merchant account was issued the credit. The matter is now urgent with 3rd party lawyers for the housing co-op involved that are threatening to hold me accountable for the legal fees if the mechanics lien is not removed within the next week. I tried to explain the urgency with multiple calls and with multiple representatives on XX/XX/XXXX to no avail. Instead, I get customer service representatives at Barclay Bank who laugh at me and give me a reprogrammed response. This is the norm, not the exception when dealing with Barclay Bank. 

Also, please be aware that the number they have been recently providing on the XXXX  XXXX XXXX  is inaccurate. I called this number and it was for the hearing impaired, no stated connection to the company. Further evidence that they fail to function in a businesslike manner. See below : " We appreciate the time you took to speak with us regarding this matter. Should you have additional concerns, please feel free to contact us via phone at XXXX so that a member of our Office of the President can further assist you. Our hours of operation are XXXX XXXX to XXXX XXXX eastern time, Monday through Friday. ''
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

The following inquiries done by XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX were not authorized..I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Consumer complaint received 2019-08-14
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. (AL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Purchased my home for {$500.00} well below market value after they forced a foreclosure on it. They respond with answers that have nothing to do with the facts which will be proven in court THIS IS STRAIGHT FORWARD THEY AVOID THIS IN EVERY OTHER COMPLAINT THAT THEY COLLUDED WITH THE REFEREE TO PURCHASE MY HOME FOR {$500.00}
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

My XXXX balance on my Citibank XXXX XXXX was due on XX/XX/17. Unfortunately I did n't process a payment until XX/XX/17, at which time I paid off the prior balance in full. 

As I expected, I had to pay a {$39.00} late fee as well as interest on the XXXX balance. However, unbeknownst to me, Citibank decided to create a " revolving balance '' for the month of XXXX, and charged me interest on the following statement as well. Even though I paid off the entire XXXX balance on time, I was assessed another interest charge on my XXXX statement as a result of this " revolving balance. '' When I contacted Citibank, they told me that this is standard practice in the industry. After some back and forth, they finally agreed to credit me back the interest that they charged me for the XXXX balance ( that I had already paid in full ) as their way of being courteous. 

If this practice is indeed now an industry standard, it is extremely predatory and should be regulated.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. ()

Faxed in to Equifax per their request, my Drivers License, and a 1099 from my pension company, with a letter containing my addresses and social security number. 

Received a letter from Equifax demanding one of the following 1. Pay stub. I am retired!

2. W-2 form. again I am retired. 
3. Valid Social Security card, Wasn't request via phone call to Equifax. 
Told a 1099 would be OK with valid address on it. 
Part 2 also demanded the impossible : 1. Driver 's license with my XXXX XXXX on it. You only can put your legal residence on it. 
2. Rental agreement - this is a 4 page document all in XXXX. 
3. Pay stub - I am retired! 
4. Utility bill - Sorry the power company only uses XXXX language. ( Utility bill are not mailed by delivered by power company employees. How about my driver 's licence for a valid address? Sorry, I have no gas, no plug in phone, only a prepaid cell, and no cable. 

Letter contains a robot only phone number for assistance. - a really bad idea in special cases like mine. 

Equifax could NOT accept my XXXX driver 's license with my address in English? 
How about the 1099 from my pension company? 
My 1099 from my pension company has my current address and redacted social security number as required by law. 
Post offices are different here, I can only get mail from my PO box or my work place. 

It appears that retired American citizens living in XXXX can NOT get a free credit report.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo billed us for a charge of {$320.00} for an ATM withdrawal in XXXX XXXX where we have not been. Wells Fargo claims that it was done with my wifes debit card. My wife has not been to XXXX XXXX so the charge is fraudulent. 
We tried several times for resolution with Wells Fargo and they refuse to do the right thing and correct it. 
I have been a customer for XXXX years and they treat us like XXXX. 
XXXX Wells Fargo and see that they tell us who they are, yet we still do business with them. Why? 
Wells Fargo might be great bankers, but lousy humans.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I woke up on Monday morning XX/XX/19 to an unauthorized XXXX transaction for {$1200.00} due to someone hacking into my account and sending themselves funds. I immediately called my bank Chase and let them know and at that time a claim was filed. I went ahead and made arrangements to pay things later with my billers and even had an emotional phase. On XXXX  XX/XX/19 I wake up and I have all my money back in my account my balance was back at {$1800.00} I was so excited I called chase and reset my online profile as they advise when I filed a claim I then called all my billers advised I could pay on time but one of my billers advised he could not process a payment. Later when I was finished with work I went to Chase in XXXX California and met with a banker named XXXX he advised me my account was frozen due to the rep who reset my online information forgetting to unfreeze my account he told me the payment to XXXX XXXX for XXXX was cancelled and the money was mines. I went ahead and made purchases for things I needed. On XX/XX/19 I wake up and my balance is XXXX to my surprise Chase has taken the money BACK out of my account. This puts me and a very hard spot not only do I not have my money but I was tricked into making purchases for things I would have never bought had I known Chase was planning to redraft the funds. This is not the way my bank should make me feel and I need those funds back immediately. Now more than ever
Consumer complaint received 2019-08-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. 

ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XX/XX/XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached.

consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KS)

I have several inquiries on my credit report by the same bank multiple times. This was NOT authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries need to be removed
Consumer complaint received 2019-08-13
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: U.S. BANCORP (TN)

There is an inquiry from US Bank on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. Thank you.
Consumer complaint received 2022-04-23
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: Bread Financial Holdings, Inc. (FL)

I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus XXXX, XXXX, XXXX have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CO)

Discover card has billed me XXXX dollars in XX/XX/XXXX. My limit was XXXX. They said the reason why it went to high is due to the return of payments sent to Discover from a bank. The interest running XXXX dollars in XX/XX/XXXX. They requier a arbitration, which i do not know how to go about that. I talked with them on Friday XX/XX/XXXX about the mess of amount but got no wheres. Right now as of XX/XX/XXXX due to interest the total is XXXX. From XX/XX/XXXX to XX/XX/XXXX there was not spent XXXX dollars spent on my card. They want me to pay the whole amount. I know by all my statements that the amount is wrong. I want to sue Discover.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$590.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (WI)

XXXX XXXX reported my student loan 30 days past due. I am currently enrolled in school and my loan should be in either deferment or forbearance. Payments have been made on this account for month after month and they were not willing to budge on a goodwill removal. I called in once and the first representative told me they could carry out the removal from my credit report and after not hearing anything, I called in again the next day and was told the exact opposite information. I have never seen a student loan that reported at 30 days past due. 60 days is the standard. This practice is a very poor one and crippling to students trying to get an education. No flexibility whatsoever.
Consumer complaint received 2021-11-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Equifax closed this dispute prematurely. In Equifax 's report, they stated they were waiting for the company ( XXXX ) to provide their findings which they have not. This complaint/dispute needs to be re-opened until XXXX provides a satisfactory response to me. 

On the week of XX/XX/2021, I received a letter from Equifax stating they were unable to locate a credit file in their database with the identification information I provided. Equifax went on to state, in order for them to assist me they'd need me to send proof of I.D and my current address. The problem is Equifax has been reporting and updating my personal information without my consent, approval, or furnishing my personal information to them for years without me confirming any of it was true. Why now do I have to prove who I am and why wasn't these precautionary measures taken when a fraudulent account was opened in my name? Had Equifax and the other bureau checked with me first to confirm that I opened this account, we wouldn't have this problem now!
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

In XXXX, my husband filed for bankruptcy on some unsecured debt that was in his name only. We did not include our mortgage, and I was not a party to this bankruptcy filing. However, for the last 6 years, our mortgage company has flagged our account as " potential bankruptcy '', and refuses to report the status of our GOOD credit to the major credit bureaus. I have made repeated requests by both telephone and email, and have either received no response at all or been told that I have to a ) send a letter ( which I did via their online email portal - received no response twice ) and now b ) submit a copy of bankruptcy discharge via online portal which does not allow me to include any attachments to an email/online request. 
Previously, I had also contacted them to see if they would lower our interest rate - again using their online customer service portal. I had to send three separate messages over a period of 4 months. Each time I received a response saying they were reviewing my request by email, and even received a response by postal mail, but never got anything concrete until I finally indicated I was going to complain to state and federal authorities about their lack of responsiveness. Then I was told that I needed to contact a loan agent about refinancing. I do not wish to refinance my mortgage, I want to reduce my interest rate under HARP/HAMP. However, they will not even discuss this with me. 
At this point, all I want to do is get them reporting on my GOOD credit with them so that I can switch to another mortgage company. When I 've called on the phone I get no where with them, and have been denied the opportunity to speak with a supervisor or manager to voice my complaints. I think that they are deliberately trying to keep us at a higher interest rate ( 5.875 % ) than the current market, and by not reporting our GOOD credit making it impossible for us to go elsewhere.