davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (OK)

I have the Amazon Prime Credit card with Synchrony bank. 2 months ago by mistake they charged me one product twice. I submitted a complaint and they never called me back or told me anything about it. 2 or 3 weeks I tried to use my card again and it didn't work, I called them and they told me they cancelled my card without a notice from them. They didn't send any notifications from Synchrony bank. I tried to pay everything and to cancel the card and they told me they would do it and they didn't. Then a new card came to my house and I opened to review everything in the Synchrony bank app again to make sure they didn't charge anything additional. Everything look good and I decided using the card again. They charged me XXXX twice and when I call them they send me from one person to the other one for about 2 hours and they didn't solve anything. At the end they said Amazon was the one who charged me twice and they didn't solve anything. When I called amazon they said that was not true. I need help.
Consumer complaint received 2020-07-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I opened a savings account with Citibank, depositing {$15000.00}. This account was opened in response to a promotion ( Citibank Account Package ) that required that I also open a checking account, which I did. The terms of the promotion required that the minimum deposit ( {$15000.00} ) be held in either of the accounts for 60 days, at which time it would earn a bonus of {$400.00}. I followed all of the requirements of the promotion, but to date the {$400.00} bonus has not been credited to me. The exact terms of the bonus state " The Cash Bonus will be credited within 90 calendar days from the date you complete all Required Activities. '' The 60 day and 90 day requirements have passed, but no payment has been made. I have called Citibank twice ( XX/XX/XXXX and XX/XX/XXXX ) for clarification. On both calls I was passed from one department to another, only to have the call disconnected without any resolution. 

My husband has had the same experience with the bank ( he will be filing a separate complaint with you ), and the dozens of complaints written up by other customers at this site : XXXX XXXX XXXX  indicate that this reluctance to follow through on promises is widespread with the bank. 

I will attach a copy of the Terms and Conditions for the promotion ( which Citibank appears to still offer ) below.
Consumer complaint received 2020-12-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (WA)

I initiated my mortgage refinance application with Key Bank on XX/XX/2020 and paid my application fee on XX/XX/2020. However, 3 months later, the underwriter has not started the review. The lending officer, XXXX XXXX ( NMLS XXXX ) has been unresponsive to my emails and phones regarding status update, and provided wrong estimation on closing date.
Consumer complaint received 2020-07-21
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. (NY)

I first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX Date of last payment not consistent : XXXX  : XX/XX/XXXX XXXX  not listed Equifax XX/XX/XXXX Payment status not consistent : XXXX  : Current XXXX  ate 120 days Equifax Current. 
XXXX XXXX which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

My name is XXXX XXXX and my closing was completely botched and both myself and my parents wasted a half day attempting to close on XX/XX/2020 with XXXX XXXX of Wells Fargo Home Mortgage ( XXXX ID XXXX ) and she was completely unavailable/unresponsive during closing. 

Ultimately there were issues with the paperwork that she messed up and as a direct result we were unable to close. My closing was pushed out a week where I needed to take another half day to go back and try to close again which happened on XX/XX/2020. 

Additionally there was additional interest accrued on the old mortgage/new mortgage because it was not paid off on the original date that I am now directly responsible for paying because of this lack of professionalism. We were not reimbursed for this failure and XXXX XXXX refused to acknowledge the issues. The closing lawyers at XXXX XXXX XXXX. filed a formal request for reimbursement due to the incorrect paperwork and it was rejected. 

Wells Fargo sent a letter apologizing for the issues a month later, however no reimbursement for lost money or time was ever given.
Consumer complaint received 2020-05-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

ftc violations listed:


inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-05
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)

I was one of the millions affected by the data Equifax breach. Under 15 USC 1681 a number 3. You assumed this role without permission not only that you did not have my consent. Under 15 USC 1681 a number 4. You did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy. You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place. In accordance with the Fair Credit Reporting act W.S. Badcock Corp, 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. Please delete the 2 late payments from XXXX ( XX/XX/2016 and XX/XX/2016 ) from my credit report immediately as my rights have been violated.
Consumer complaint received 2020-07-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC. (TX)

Robinhood XXXX  is not giving me real time pricing. Their lack of information has caused me to make a lot of decisions that have lost me money. They are not filling my orders despite placing limit orders. I have options contracts that are not reflecting the current prices. They are not interested in giving me the appropriate information about my account as a consumer.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I am unable to pull my credit with any reporting agencies. Ive updated my credit file and have the same information on all bureaus. There are no credit freezes or alerts on my credit. No one is able to pull my report the only report I have available is XXXX XXXX.
Consumer complaint received 2020-07-21
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. (TX)

XXXX keeps calling me about a FTC violation on the account have them quit calling remove the wrong address that the ftc was created : XXXX XXXX XXXX XXXX  tx XXXX FTC violatons XXXX also
Consumer complaint received 2020-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems (SC)

On XX/XX/2018 we indicated to our rental agency that we would be exiting the rental property that we lived at by XX/XX/2018. We paid our prorated rent in full for that time frame. During this time we were in the process of buying a house so things were very confusing. We asked XXXX to work with us which they chose not to do. After some changes and attempts to stay longer we eventually left on XX/XX/XXXX as originally indicated. After we exited, XXXX attempted to collect the remaining balance of the rent for days that we were not there. They additionally falsified receipts and made up records to say that we didn't clean the house. We have video and email records to indicate the house was clean, the keys were left on the counter and all money that we owed was paid in full. XXXX XXXX in XXXX XXXX South Carolina has a history of scamming renters.
Consumer complaint received 2020-12-05
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 (NJ)

US BANK did an unauthorized hard credit pull on XX/XX/2020, which was made without my consent. While I have a new car loan with US BANK, the only time I agreed to a credit pull was during the application process on XX/XX/2020. Again, the second pull on XX/XX/2020 was not authorized.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX Balance : {$160.00XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$370.00}
Consumer complaint received 2020-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I made arrangements to buy a dog, a contract was signed and paperwork completed. The money was sent through XXXX and XXXX XXXX totaling XXXX. A receipt confirming the delivery of the dog was sent. Later the man called and stated he was in the hospital and was unable to deliver the dog or return the cash. After completing a claim with my bank Wells Fargo and 3 hours of being transferred from department to department, i was told by Wells Fargo basically it was 3 hours wasted and the money was gone. BUT if i would have said i did not know about the transfer they could help me or investigateshame on you. First after being stuck in the house for weeks with Covid then to be heart broken that my mothers day gift will never come, i lost XXXX. Devastating people use a puppy to make money. So gross XXXX XXXX XXXX XXXX..
Consumer complaint received 2020-12-04
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. (NY)

My name is XXXX XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Hello, I proactively inquired about a Home Mortgage Loan Modification with Wells Fargo when I was laid off from my job. The company used deceptive predatory practices, preying on my situation likely the result of a proven greed driven culture I was unaware of at the time. 

I had not been late on my payments prior to calling the company. I worked closely with home preservation specialists through a long, arduous process and they guided me to be late a number of months in order to qualify for the program. They also enticed me on numerous recorded phone conversations that I would be eligible for a payment program with an interest rate about 2-3 % less than my XXXX  % interest rate. 

Unfortunately, when it came time to complete the loan modification process, I was told my interest rate would remain the same alluding that my credit was an issue for brokers to take the loan. This was disconcerting because nonpayment of the loan was supposed to be a given by the nature of the modification program. I found myself entrapped in situation where my credit was already ruined, and my loan then extended to a 40-year note. Instead of getting the interest rate reduction and the help I was led to believe would occur, I was bilked.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, Equifax 's database was breached. They did not notify me in writing that my social security number and personal information, along with my son 's social security number and his personal information ( XXXX XXXX-under XXXX years old ) was compromised by an unknown party or parties. I found out because I am registered via email with XXXX XXXX XXXX, which notifies consumers every time there is a problem with a consumer product or service. They notified me that Equifax was being sued in a class action lawsuit because the company 's database was breached and 147 million consumers were impacted. We were two of the 147 million. I was told that I missed the deadline to file a claim, but Equifax NEVER notified me, and had nerve to send an email dated XX/XX/XXXX after the incident happened. I was only eligible to fill out two claim extension forms, one for me and one for my son, and Equifax is not compensating us for their error! This can have a serious impact on my son and my welfare as well, and I want to pursue litigation, especially for my son who is a minor and XXXX.
Consumer complaint received 2021-01-24
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. (GA)

I started disputing my personal information on XX/XX/XXXX - XX/XX/XXXX, I've been sending letters and now there are addresses that I have no knowledge of or no access to. These addresses are still being reported on my XX/XX/XXXXcredit report and affecting my credit history. XX/XX/XXXX has closed each dispute attempt with the same outcome, the invalid information is still being reported today as of XX/XX/XXXX. This has really affected my credit and my life.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2020-07-21
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 have an account with XXXX XXXX that was in collections with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I paid a settlement amount of {$630.00} to them to settle out the account ( Ref # XXXX ). My representative is Mr. XXXX XXXX at extension XXXX. I paid this amount on XX/XX/XXXX and they were supposed to report this as settled but they just took it off the existing amount and failed to settle the account. I spoke to Mr. XXXX on five different occasions to solve this issue but they are refusing to do so. I have a letter from Mr. XXXX that in fact shows the account is settled but the credit bureaus will not update it as settled but they continue to show a remaining balance. I have disputed this with them at least 5 times but it still comes back each time as verified as accurate but it is not accurate. When you call XXXX XXXX to speak to someone about the account on their end it refers back to XXXX XXXX XXXX XXXX XXXX and back to Mr. XXXX. I am sick of this run around and I need them to settle this account which I have already paid for.
Consumer complaint received 2020-07-20
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: CITIBANK, N.A. (NV)

Citi cards continues, each month, to charge more and more interest and late fees for a fraudulent original amount of {$270.00}. 
I have made numerous attempts to resolve this, yet they demand payment of this fraudulent charge of {$270.00} us all the fees that grow each month. I will not pay, and I shouldn't be put in this position. I immediately alerted them that a scam artist charged me {$270.00} as I thought I was paying for my XXXX  license. Instead, I was told the fee was to pay for an EIN number, which of course I already knew i could obtain for free via the irs website. Please help me, as Citi cards will not listen. I even disputed the charge, explained what happened, yet they take the side of the scam artist.
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TCAR Inc (WA)

After purchasing a new home in XXXX of XXXX, I got a bill for for an outstanding medical balance never previously received ( XX/XX/XXXX ). The bill was through a collection agency ( TCAR Recovery, Remarketing, Collections out of XXXX XXXX, XXXX  ). When I contacted TCAR to verify the claim they were pursuing, I was notified of an unpaid medical bill from XXXX Hospital in XXXX XXXX, XXXX  for emergency room services received XX/XX/XXXX. The notice by mail from TCAR came through my previous address in XXXX, XXXX  and was forwarded to my new home in XXXX, XXXX  via US Postal Service automatic forwarding. I contacted TCAR in order to get copies of the invoices. Once I realized that the medical bill was for services I had received that should have been covered by my health insurance plan, I contacted my health coverage member services to see what options there were for coverage. My health insurance company informed me that although the services I received were more than one year previous, I could submit invoices for coverage. When requested from XXXX Hospital, the original invoices had been mailed to a previous address in XXXX XXXX XXXX, where I hadn't lived since XXXX of XXXX. ( Current XXXX  State address, Identification and Insurance Plan information was submitted to XXXX on the date of service ). After explaining to XXXX Hospital the incorrect address on their invoice and subsequent forwarding to collections through TCAR was their responsibility and my insurance plan had offered to cover services if XXXX would resubmit claims, XXXX had computer recovery issues and were to send me copies for submittal my health insurance company ( Phone records XX/XX/XXXX ). Those records never came nor any additional contact by mail nor phone was received from either TCAR nor XXXX, so I assumed that XXXX had realized their mailing mistake and not pursued billing or had gotten paid from my health care provider. In XXXX of XXXX I got an updated credit report to pursue refinancing of my home and was informed that the collection request was still pending. My wife contacted XXXX in XXXX, XXXX and XXXX informed her the bill was still outstanding. Help is needed to resolve this issue caused by mailing the original bill to an outdated address and subsequently sending to collections even though full health insurance benefits were in place at the time of service.
Consumer complaint received 2022-02-01
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. (TX)

I sent a letter on XX/XX/22 requesting to be removed as an authorized user from an account. I have yet to receive a response. Also, the authorized user account still remains on our credit report.