davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (SD)

Opened a checking account with Citibank to receive their {$1500.00} deposit bonus. 

Funded the account with {$200000.00} within XXXX days and submitted and faxed all information to open the account on account open. 

Per the terms after XXXX  XXXX, Citibank will pay the bonus, this was due on XX/XX/XXXX. 

Citibank continues to come up with new reasons to not pay the account bonus. 

Several customers are reporting similar issues at : XXXX XXXX XXXX  This appears to be a XXXX scam to pump account numbers and deposits ; but Citibank also refuses to honor their own company promotions
Consumer complaint received 2022-05-17
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 the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 166B : 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 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX SQ XXXX SC XXXX
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NJ)

I opened a Barclay 's credit card which had a promotional 0 % interest rate for 18 months. I made regular payments on the card after a {$1500.00} purchase and had the balance down to {$880.00} when the promotional period ended. Barclay 's then charged the entire amount of interest due on the {$1500.00} purchase all at once, even though they had already received {$610.00} in payments from me. They assessed an interest charge of {$470.00} on XXXXand have added that to my balance. I find this to be very deceptive on their part.
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX, and I am submitting this complaint on my own behalf- there is no third party involved. Citibank was claiming that I owed an alleged debt that I did not owe, so I went ahead and provided them with all the necessary exhibits proving that this account was not mine- and they went ahead and closed the account ( see attached exhibits ). On XX/XX/2021 I sent Citibank a Cease and Desist Order and Affidavit of Truth with my relevant FTC Identity Theft Report and all of my supporting exhibits- giving them everything they needed to stop trying to collect on this fraudulent debt that was not owed. I have attached the return receipt signed by them that confirms they received my letters on XX/XX/2021. Since that time, I have received hundreds of spam calls and voicemails from Citibank that just do not stop. They have filled my entire voicemail inbox completely full 3 times now, leaving an average of 6 voicemails a day. They are clearly violating my cease and desist order, and violating me in a number of ways under 15 U.S. Code 1692c. Despite the fact that I have written proof that they admitted they closed the account and were no longer collecting on it- they continue to harass me XXXX XXXX XXXX XXXX XXXX. I am demanding that Citibank cease all communication with me, stop calling me, stop leaving me voicemails, and never contact me again without my written permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If they do not comply with this final warning, I will be filing suit in Federal District court.
Consumer complaint received 2022-08-26
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. (MN)

Hi I am submitting this XXXX XXXX without 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 XXXXXXXX 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
Consumer complaint received 2022-01-14
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. (CA)

I notified XXXX and Equifax that the creditor XXXX A/R Solutions listed as a collection account on my report is not mine. The collection was shown as being for an XXXX XXXX account for XX/XX/2021. I have never had an ambulance account. The only ambulance I have been in, last XXXX, was covered by XXXX. I am a military dependent. 
XXXX account number XXXX is reported as being accurate. Do I need to take this to legal action? Equifax has not responded. XXXX has. When I called them yesterday, they said my option is to contact you. I am very angry!
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I have reached out to JP Morgan Chase and requesting information in which I have yet to receive a response in regards to my 2 closed credit card accounts. JP Morgan Chase is in violation of my rights as a federally protected consumer. Pursuant to 15 USC 1602 ( p ) unauthorized use of my accounts by closing both credit card accounts without my permission or consent.
Consumer complaint received 2022-01-14
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: CITIBANK, N.A. (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2022-01-14
Product: Payday loan, title loan, or personal loan — Installment loan
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: FORD MOTOR CREDIT CO. (NJ)

I have paid this auto loan ( ford motor credit ) that was repo 'd. I paid it in full XX/XX/2019. i need it removed from my credit please.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

My checking account number was stolen from the mail. only after several months was it used to withdraw money from my account without my authorization. Ultimately several XXXX dollars was removed. all for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe this is one person, police concurr. Chase will give me NO information as to the specific places my money went. 

on XXXX XXXX, I reported this to Chase bank and went over all bogus charges. My account, now closed, was XXXX. 

Chase bank refuses to help recover my money despite repeated attempts, even skipping two charges in their report back to me. Even worse, without MY PERMISSION they stopped sending me paper statements. I am XXXX years old, have XXXX XXXX XXXX XXXX  and have difficulty using the computer and phone for extended periods. 
My ach withdrawals require a lot of paperwork or a statement signed by a bank officer. I never authorized these charges below in attachments.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

After graduating in 2013, I began paying back my student loans in XX/XX/2013 to Navient. When I requested a payment history, 3 years of payments, totaling {$15000.00} were missing. 

I filed a complaint with the NY Attorney General Office and was told to contact your organization.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I have as a Shell gas card issued by Citibank for several years now and have always been able to configure and receive account alerts upon specific events. One very important alert I have always had was instant notification when I or any of my authorized users make a purchase using my account.

Over a month ago my son 's authorized user card was compromised and the number used fraudulently. Citibank then cancelled his card and issued a new card with a new card number. As soon as that new card was received and activated, the alert function ceased to work. I have reset the alert several times and have gone through trouble shooting steps with Citibank customer service representatives, but the alert when my card is used will no longer function. I consider that alert extremely important and Citibank, acting incompetently, does absolutely nothing to fix their technical issues leaving my account very vulnerable.

Yet another issue I have with my Shel gas card issued by Citibank is trying to reach customer service via telephone. When I call the number on the back of my card, I am asked for my credit card number to pass their phone verification system. If the number is not entered or entered incorrectly, Citibank aborts the call. The problem is that the number on the front of my card will *NEVER* pass the phone verification system. Citibank customer service representatives have stated that my account number os not really the number embossed on my card and I am expected to remember a different account number so that I can call Citibank. This is the most idiotic concept ever invented. When I need to reach Citibank for an urgent matter, I can not rely on the information on my credit card and must remember yet another account number at all times.
Consumer complaint received 2022-05-17
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (CA)

I sold a property with a mortgage attached to it. I made on-time payments for 3 years for the $ XXXX loan. I was told by the escrow agent that we would be closing before the next payment would be due. The escrow closed 8 days late. The loan was paid in full ( XXXX  ) XX/XX/XXXX though this was 8 days post the 30 day grace period though this was not due to being " delinquent '' rather due to miscommunication between the escrow, bank and loan agents. I was told that paying any payments would throw off the closing documents that were already executed. 

I spoke with US Bank, and the mortgage customer service agent was very sympathetic and thought it was reasonable to remove the delinquency notice from my credit. She requested it be removed on XX/XX/12, and US Bank senior investigators replied " no. '' I think this is entirely unfair. I was not " delinquent '' rather trying to follow directions during the closing escrow of a sale. Please help. I've attached escrow closing documents and the US Bank denial letter.
Consumer complaint received 2022-05-18
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. (FL)

I received a copy of my credit report and I have found the following items below to be in error. Pursuant to 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. I NEVER gave YOU, XXXX OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX has caused severe stress and anxiety due to the abusive and unfair practices. You, XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to me, the consumer. These accounts are listed with late or missed or delinquent payments and that is incorrect. The following accounts were never late and should be listed as PAYS or PAID AS AGREED/CURRENT.. XXXX  XXXX XXXX  XXXX # XXXX I was never late on this account, update the account as paid/current.
Consumer complaint received 2022-01-14
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. (VA)

On multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my credit score by almost XXXX points.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (IA)

Myself and my partner rented an apartment for 1 year from XXXX XXXX in XXXX Nc. We relocated due to 3 family deaths to XXXX XXXX, Iowa and our move out report was an excellent report. Then 45 to 60 days after departure they tried to charge us nearly {$500.00} for carpet replacement for contractor grade carpet for a 12 x 12 bedroom. We were not told this at moveout otherwise we would have paid for the carpet and taken the remnant. We told the company numerous times that we disputed the amount and wanted to see the carpet personally as we have senior family still in the area. Then they sent the account to Pro Collect of whom we both disputed the debt in it entirety. We have disputed for 2 years and all they do is say " owed '' with name of original creditor. We have made XXXX  complaints on both companies, and due to family tragedy my partner had to file bankruptcy and they still tried to collect from him until his attorney threatened FDCPA violation lawsuit. 
Pro Collect XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX This was also reported to the Iowa Attorney General office attention XXXX XXXX on XX/XX/2021.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WINNPOINTE CORPORATION (CA)

I was working with XXXX XXXX from Interactive Mortgage, XXXX : XXXX. They locked my rate and approved the mortgage. But they could not find a secondary buyer for my mortgage and after two months, they still did not close and would not provide the closing date. I have no confidence they will close the loan but my credit now shows two inquiries, making me hard to shop for a good interest rate with another lender now. In the meantime the interest rates have also increased.
Consumer complaint received 2022-09-30
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. (NC)

Equifax has listed XXXXXXXX XXXX XXXX XXXX as a collection account on my credit report. This account was not properly validated by Equifax. I reached out to the collection agency to verify this debt because I was unaware of it.I sent them a letter in the mail as well as filed a complaint with the CFPB. The CFPB complaint ID is - XXXX. XXXXXXXX XXXX  XXXX XXXX was not able to properly validate the debt or legally collect debt in my state of residence. They have since ceased acting as a data furnisher and sent out a notice to the CRAs. I have attached the documentation I mailed to the data furnisher, the CFPB complaint, and the XXXX form provided by the data furnisher. 

This account should have never been listed on my credit report. Equifax is not independently verifying consumer information and consumers are suffering as a result. There are laws in place to prevent this from happening and Equifax continues to ignore those laws.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had a couple transactions that I couldn't postpone draft from my account on XXXX  XX/XX/XXXX, the day after a national holiday so my payroll was deposited Wednesday instead of Tuesday. I tried to have the transactions held off a day but was informed that the ACH is sent 3 days in advance to the bank so they can honor it on the date it's for and they have no way of stopping it, which seems Neanderthal in this day and age. Technology, especially regarding finances, should always be real time. So then I could only deal with my bank about the charges. The bank previously told me ( on another occasion ) as long as they were covered by XXXX the next business day, I would not be charged the overdraft fees through their " Peace of Mind '' program. My payroll deposited the next day, and I switched out the remaining money into my other bank account to cover some bills. An XXXX subscription then came out for {$10.00} and overdrafted my account by {$10.00} and I didn't see it until the NEXT day. My fees did not get refunded so I contacted the bank and they then told me because my account was overdrawn by {$10.00} from a NEW transaction, not the ones that were covered by the XXXX XXXX XXXX program which I already paid IN FULL, that I wouldn't be refunded anything. The new transaction had nothing to do with the other fees and it was {$10.00} that could've been deposited had they notified me. I find this predatory and extremely unfair that I should have to lose {$170.00} in fees which they promised me because of an unrelated {$10.00} charge that would've been covered either by a deposit or the {$170.00} in fees they were supposed to refund me. These banks do not tell you any of these technicalities - as a matter of fact, I don't even recall being told about the XXXX XXXX XXXX through any notification or literature, other than what reps tell me when I call to complain. It literally is like they just play with my money and add all these rules and stipulations as they go along. I was never sent anything, signed off on anything, and the last time they told me they were holding my funds, I complained about it and they sent me a " resolution '' that had nothing to do with why I complained. So they take my money at will and then to appease the CFPB or OCC, they respond with some corporate answer that isn't even related to my complaint in the first place. Money literally is necessary for life and as a consumer, I find it extremely disheartening that the government allows banks to charge people excessive fees at will, in the wake of the largest pandemic of this millennia, affecting God knows how many others besides me. You've got ta be kidding me!
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

I have banked with Truist ( formerly Suntrust, formerly XXXX, formerly XXXX XXXX ) for more than 40 years. I now deposit a rent payment from a major company ( into a personal account ) every month on or about the 1st. It is always for the same amount. This month ( XX/XX/2022 ) Truist put a hold on part of the funds for a week. In 40 years I have never had a bad deposit nor an overdraft. Why was ( are they ) Truist allowed to do this?
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX Equifax received and accepted through certified mail a dispute for the following account : ( XXXX XXXX ACCOUNT # XXXX ). Equifax did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, Equifax failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.