davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CA)

On XXXX XX/XX/2022, I received an email notification that my Citi checking account had been overdrawn due to an expected monthly service charge. I had this account open for nearly two years and this was the first such charge to hit my account. I immediately called Citi to reverse the monthly charge and close the account. The service rep reversed the monthly charge, refunded the residual balance to one of my Citi credit cards, and proceeded to close my account. At this point, I was no longer able to view statements or manage my account. On XXXX XXXX 2022, I received an email notification that I owed {$34.00} from the closed account and that this amount had been sent to a collection agency. I immediately called Citi and found out that I had been charged a {$34.00} overdraft fee after closing the account two months prior, which I had no way of knowing since my account access had been removed. I requested the {$34.00} overdraft fee be removed however, the service rep was unable to remove the charge since it had already been sent to collections. The service rep said that they would send me a {$34.00} check in the mail to " refund '' the amount but at this point, there may be significant damage to my credit report. I am XXXX XXXX  with a XXXX XXXX  and any adverse material on my credit report could have severe repercussions. 

I believe that : 1 ) Citi unfairly charged me an overdraft fee for a monthly fee that had already been refunded. 
2 ) Citi improperly closed my account without addressing this overdraft fee. 
3 ) Citi provided inadequate notification of the overdraft fee and the impending action it would take. I did not receive anything in writing about the amount owed or the fact that the owed amount would go straight to collections. 
4 ) Citi unfairly took action against an account to which I had no access to nor visibility about any balance owed. 
5 ) Citi provided inadequate response to rectify the overdrawn amount after I called on XXXX XXXX 2022 and was promised a " refund '' check. The damage to my credit report may already be done and will have lasting and irreversible effects.
Consumer complaint received 2022-10-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Chrysalis Holdings LLC (MN)

My dad was the victim of a XXXX XXXX, that ultimately XXXX XXXX XXXX XXXX. I spent a lot of time trying to deal with NewDay USA to pay his mortgage until we could get it sold. As expected, they stonewalled. Meanwhile we prepped the house for sale and I kept XXXX apprised of every detail. XXXX week before the house closed, they unlawfully entered the home, changed the locks, and winterized the property, damaging a toilet and completely breaking the dishwasher. Their reasoning was it looked vacant. Which is was, because dad was dead. I had made XXXX payments, they were notified of the house being under a purchase agreement, and knew the closing date. They are refusing to pay for cleaning and damages and will not accept responsibility for illegally entering a home they had no right to. In their response to me they indicated no damage or dirt was noted, in spite of the videos showing running water from a toilet where it shouldnt be running, and water running on the outside of the dishwasher. Everything had been in working order prior to that. My husband and I had to quickly fix and clean the house again, and NewDay USA has used that against me, stating I refused to meet with their person to inspect the home. The person contacted me the day before I signed the closing documents, and no one had reached out to me for several days.
Consumer complaint received 2022-04-03
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. (SC)

XX/XX/2022 - Equifax, XXXX and XXXX. I am requesting the removal of all hard and soft inquiries that are older than two years old.
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I called FedLoan Servicing on XX/XX/2022 to have my student loan payment refunded. I called XX/XX/2022 for an update, but there is no progress on the refund request. I'm not even sure if they sent an application for my initial request for a refund. I checked my account today ( XX/XX/2022 ) and saw that my loan information is gone entirely. Previously, it shows my loan amount and that it was paid off.
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

False/wrongful Debt Collection from BestBuy/CBNA was reported to all credit bureaus has remained open since XXXX  without my knowledge. The account was to be closed the same day it was opened. The Best Buy employee didnt have my name correct or the correct address and above all that it wasnt the card I even applied for, I applied for a card that did not have an annual fee. I was expecting a check for the down payment/first payment that I put on a laptop I purchased but then returned the same day not 30 seconds after the purchase went through. I was told that because the account had technically been opened I couldnt get back my {$300.00} cash that I had literally put towards the first payment/down payment since it now fell under the credit card companies responsibility. Being that the name and address were incorrect I couldnt even log into my account to resolve this and therefore assumed that it was closed like I was told. Best Buy/Citibank/CBNA to this day still owes me a check for {$300.00} and I would appreciate a call from management to have it reimbursed to me and this stricken from my credit report because its honestly the right thing to do. Its frustrating for me to not have someone that can actually help me that works for that company for they cant even bring up my old account because its been so long which is just lazy and extremely poor business practice, not to mention disgraceful to say the least. I have contacted Citibank and spoke with multiple people who just say sorry, cant help you but they really just wont help me. I have tried so many times to resolve this in every way I can think of and even more Im tired of everyone delegating my issue to somebody else who just points their finger at another department spinning me in circles wasting my time and causing more frustration on an already frustrating issue. Is this really how how people should be treated and how a company should do business? This needs to be resolved.
Consumer complaint received 2022-10-20
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. (VA)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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.

Please delete these accounts from my credit report. 

XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

This is regarding CFPB complaints # XXXX, XXXX, and XXXX. 
Attached are the proofs. 

XXXX XXXX  letter proves that identifying information was there to apply the payoff balance on XX/XX/22. 
The error was on Wells FargoXXXX. 
XXXX the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.
Consumer complaint received 2022-10-20
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. (NY)

I had a mortgage loan from the company called XXXX ( XXXX # XXXX ) a month before it was sold to a new creditor they reported my last payment as late when it was not. I have my bank statements showing proof that the payment was made on-time and i tried reasoning with the creditor but all they responded was with that the conducted their investigation and that they will not correct the error the late payment thats reporting is from XX/XX/2022 i sent them an email on XX/XX/2022 they did not respond on when i sent a follow up email on XX/XX/2022 they responded with in minutes saying that they will not correct the error this is ridiculous and I am furious I can only imagine how many other people this has happened to.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It has been improperly reported that our account with XXXX XXXX was included in a bankruptcy. We did have a bankruptcy that was discharged in XX/XX/XXXX but we were able to keep our house. The address was XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. We sold this house in XX/XX/XXXX. We are now trying to purchase another house and we are running into problems because Our credit reports are stating that the property at XXXX XXXX was included in a bankruptcy and it was not. The loan was paid in full when the property transferred in XX/XX/XXXX when we sold it. We never missed one payment on this account.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

On XX/XX/XXXX, chime closed my account suddenly without any notice. I had my salary direct deposit that was suppose to come into my account on XX/XX/XXXX When you call chime, they dont help you and tell you to email them. And so I did. I emailed them and they said during routine security check, they needed to verify my identity. So I did. I submitted my license front and back. My utility bill and my passport. They renabbled my account again the next day. And then, on XX/XX/XXXX chime closed my account again after verification. And I had another paycheck coming in on XX/XX/XXXX. Not only did chime suddenly close my account without any notice. They messed up life to pay rent bills. I also have a XXXX XXXX XXXX. I contacted chime again and they said they closed my account due to internal policies. What on earth did I do? I am a XXXX XXXX XXXX Living paycheck to paycheck. I have a XXXX XXXX XXXX. They said they can not re enable my account. Man, chime messed me up in so many ways financially you have no idea. Im money less and I cant buy food or pay bills. I have no check till next month.
Consumer complaint received 2022-05-20
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Denefits LLC (MD)

I enrolled in a weight loss program in XX/XX/2020 that was supposed to cost around {$2600.00}. The group had me signed up to make installment payments through Denefits, but the cost is not coming down. I have already spent {$3400.00} ; the payoff amount is over {$2600.00} ; it was explained that my payments would go toward the balance ; it does not appear that that is happening. The products never worked after 30 days of use. I called several times to explain the diet wasn't working. In XX/XX/2020, I was told to eat a bag of green apples to help jumpstart weight loss, but nothing happened, which by all accounts, was a ridiculous recommendation. I have decided not to pay this company any more money primarily because of what I spent so far. I am getting at least 20-30 harassing phone calls a day about payments. I have paid for this program even though it did not work.
Consumer complaint received 2022-10-20
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. (PA)

XXXX, XXXX and Equifax have failed to investigate and provide investigation results after my most recent dispute regarding unauthorized and fraudulent Inquires that are appearing on my credit file. XXXX day i had XXXX inquiries and the next day i had XXXX inquires that all came from auto loan attempts. I have a car so why are these inquiries popping up on my report? I wrote each agency requesting an investigation on my report due to fraudulent inquiries that i 100 % did not personally apply for and they all have failed to respond. I demand to see the " Consumer Contract bearing my WET SIGNATURE '' to verify and validate these fraudulent inquiries that are negatively impacting my credit file in a major way. As the consumer, it is my right to request an investigation when items are not correct, true or verified to belong to me and these agencies are clearly ignoring my request. I will now hold each agency liable up to {$1000.00} per violation if this is how you allow them to operate. The reporting of inquiries that have not been verified is a violation of my consumer and demand all inquiries be removed that you can not provide documentation of proof for. I want all accounts and inquiries that are not metro2 compliant removed, corrected and updated immediately due to their to respond and investigate in the first place. thank you
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

This credit card is from a U.S.Bank ( Skypass Visa ) affiliated with Korean Air, rewarding mileages and discount on XXXX ticket purchase and VIP lounge passes.

Every year I am supposed to received XXXX Korean Air VIP lounge passes.

However, I have not received anything for the last 3 years. 
On XX/XX/XXXX, I called the US Bank customer service and inquired about the VIP passes.

They simply said they dont know and just wait.

They also said the vip passes are good for one year so they can not send anything for the year XXXX and XXXX. 
They should say they will send me the back order passes XXXX, XXXX and XXXX but they would not help me at all.
Consumer complaint received 2022-04-03
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. State i have the right to privacy.

15 U.S.C 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-22
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)

After looking at all of my credit reports i noticed accounts that i didnt recognize, i have had my information compromised a while back and i think some information has been falsely used. Please remove the following account and account number from my report. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-20
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: SYNCHRONY FINANCIAL (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 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 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

i was pursued by fraud posing as XXXX from my XXXX offering me a job. i was told i got the job and received funds to buy supplies i would need for the XXXX XXXXXXXX XXXXXXXX XXXX. i was provided with ( false ) checks of amounts, {$2200.00} & {$2500.00} which i deposited into my bank ( Chase bank ) and my bank showed as if the money was deposited into my account within a day or two. trusting that i had already received the money, as my bank account had shown, i XXXX  the money received to " vendor '' provided from " boss '' to receive my supplies. after i had already sent the money, a few days later, my bank account shows " hold on funds : altered check '' i went to go ask my bank what had happened and they explained that what happened to me was a fraud and the check was false so the corresponding bank never released the funds. i asked why the funds had been shown as available and as part of my account if it hadn't been released and the bank employee just said that is what the bank does, it shows you that the fund is available although it is still being processed and that it isn't there fault but i believe it is entirely their fault because i only trusted that the money was already available to me so i went forth with my transactions. not only did they say they couldn't get my money back to me but they said they would close my account with the term that i was trying to commit fraud by trying to deposit fraudulent checks. how am i supposed to know that the funds that show available in my account are not actually available, i demand my money back.
Consumer complaint received 2022-08-03
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: Chime Financial Inc (OR)

On XX/XX/XXXX I took XXXX dollars from a ATM. On XX/XX/XXXX I saw that my account had two ATM charges for XXXX dollars Four minutes apart for the XXXX of XXXX. So XX/XX/XXXX I immediately filed a dispute for duplicate charges. I was told it would take up to 45 days to resolve my issue. On XX/XX/XXXX I'm recieved a email saying they closed there investigation and no error occured. I requested the documents they used to make there decision. I was told this would take 10 days. They sent me a secure link on XX/XX/XXXX. I did not see the secure link until XX/XX/XXXX. When I opened the link it was a receipt from the merchant for a single ATM transaction of XXXX dollars that said cash dispensed. I told them that's not my dispute and I should be credited the amount to my account since it has been more the 45 days. They then told me t he ey were still working on it and a final desicion will be made by XX/XX/XXXX. This has gone back and forth since. I got another email on XX/XX/XXXX saying they made there desicion and my rebuttal provided no proof. I told to them I did not rebuttal and they should credit my account. It's been well over 45 days and in that email I included a few attachments as proof they messed up. Today XX/XX/XXXX I received a email from them saying they received my rebuttal and documents and to allow them 45 calender days to respond.
Consumer complaint received 2022-05-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report XXXX {$1200.00} no response from Equifax no creditor or collection company name being reported HIPPA VIOLATON multiple disputes no update to reporting REMOVE XXXX - {$270.00} no response from Equifax no creditor or collection company name being reported HIPPA VIOLATON multiple disputes no update to reporting REMOVE
Consumer complaint received 2022-04-02
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. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions