davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/XXXX I made a full monthly credit card payment of {$56.00} to Barclays bank. Due to an error, the payment was returned by the bank. 

I was notified by Barclays on XX/XX/XXXX that the payment had been returned. Immediately upon being made aware of the issue I made the full payment. 

On XX/XX/XXXX, I became aware that Barclays had assessed me a {$39.00} returned payment fee and a {$19.00} late fee due to the payment issue. I felt this was unnecessary and excessive given that I corrected the payment issue immediately upon being informed and given that the total fees were {$58.00} on a payment amount of {$56.00} ( over 100 %! ). I called Barclays to request forgiveness and leniency and was informed that they could not waive the fees over the phone but that I could write a letter to their corporate office. 

I wrote the letter explaining the issue and requesting the fee waiver. 

On XX/XX/XXXX, Barclays assessed me an additional {$19.00} late fee. 

On XXXX, I received a response from Barclays confirming receipt of my request for the fee waivers, but that they couldn't complete the request because the request must come from the primary cardholder ( I am the primary, and only, cardholder ). The letter indicated I could call again to have them complete the request. 

On XXXX, I called Barclays to let them know that I was the primary cardholder and to please complete the request. The agent told me that she could waive the late fees but not the returned payment fee. I agreed this would be satisfactory for me, but then she returned and indicated that she could not waive any of the fees. I requested to speak with a supervisor, but after over an hour on the phone, I was told that none were available and that they would call me back regarding Complaint ID XXXX. 

After this conversation, on XXXX, I immediately paid the full balance to avoid the assessment of any additional fees. 

On XXXX, I received a call back from an agent who offered to waive one of the {$19.00} late fees. I indicated that I was appreciative of the offer, but I felt it was still insufficient and I requested again to speak with a supervisor. After waiting for a long time ( again, on the phone for over an hour ), I was told that a supervisor would call me back within 30 to 45 minutes. I never received a call back. 

On XX/XX/XXXX, I again called to indicate that I had not received a call back. The agent apologized for the lack of a call back. After explaining the issue, the agent indicated that they could not waive any of the fees. I again requested to speak with a supervisor and was told that none were available, but that I could get a call back within 5 to 8 business days regarding complaint XXXX. 

This process has been extremely frustrating and unfair. If Barclays would waive half of the {$80.00} in fees they have charged me, I would still feel it was excessive but I would be satisfied.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Coinbase placed a restriction on my account back in 2018 which blocks me from all transactions including withdrawal of the funds. I had contacted them via email several times. One reply dated on XX/XX/2018 stated : " We regret to inform you that we are no longer able to support your Coinbase account as well as any other accounts you may have created. Please note, we have not blocked access to the balance currently in your Coinbase account ; while we can no longer process brokerage orders via our banking relationship, you may still send your balance offsite to an external address.

There are a variety of factors which have been weighed in your case, and we unfortunately are unable to elaborate on our internal decision process. Please know that we do not make these decisions lightly, and do regret losing you as a customer. '' When I had reached out to them via the telephone, I was told that they could not tell me the reason why. They stated that in their email reply that I " may still send my balance offsite to an external address. '' However, this is incorrect because they had blocked that as well. 

A full dialogue of emails and account details are available on request.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( XXXX ) had put on my credit reports that I owed the XXXX {$6600.00}. 
The company that took over the XXXX, known as XXXX ( XXXX ), attempted to double-bill me for rent on four occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on one occasion. On 12 other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately. 
In XX/XX/XXXX I was told by Equifax that the dispute of the information from XXXX had been completed, and that this information had been deleted from my Credit Report. In XX/XX/XXXX, while applying for credit, I was informed that my Credit Report had a large negative item on it. I requested and received a Credit Report from XXXX, and discovered that the information from XXXX had been added back into my account, and dated as being reported on XX/XX/XXXX.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (MD)

I received 2 late fees from PNC Bank for paying my credit card bill on the due date over the phone after XXXX. I was not made aware that a payment made after XXXX is considered late. On both occasions I asked the PNC employees if the payment would post on the same day and I was told yes. I noticed a late fee on my account and asked for it to be over turned because I paid on time. They denied my request. I do not think that this is fair.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

My mortgage servicer ( SP Servicing ) has been doing everything they can to thwart all of my attempts to get a loan modification on my home. Lost documents, late mailings or notices sent that I did not ask for, discrepancies in information shared with me, etc. Most recently, I had to spend {$2000.00} to stop a foreclosure sale that the servicer postponed one day before the sale, but told me the sale would go forward. Someone needs to stop these people before someone loses their home for real.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

My Son barrowed XXXX for XXXX school in XX/XX/2005. He was making his payments on his loan until they split the loan XXXX times. Now XXXX portion of the loan is up to XXXX He is no longer able to make the payments on this loan due to him XXXX over this. The harassment and hounding from these lenders is unthinkable. We now have to live our lives without him in it due to his student loans. These people should be held responsible in some way.
Consumer complaint received 2017-03-30
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (CA)

I have an account with both Citibank XXXX and Citibank NA. 

On XX/XX/XXXX, I initiated an international wire transfer from Citibank XXXX worth XXXX from my personal account, to my Citibank NA account. 

Fees : XXXX ( debited from my bank account in XXXX , NOT THE BALANCE ) Rate : XXXX for XXXX Balance : XXXX Incoming international wire transfer fee : XXXX Expected Balance : XXXX However, the balance credited to my account was {$9900.00}. It seems that an additional fee was levied. I am 100 % sure that Citibank XXXX did not charge any other fees because the balance sent was exactly the figure above. 

I called Citibank XXXX and they indicated that an intermediary bank was used, which, in this case, was Citibank New York. My branch is in California. The charge in this case is {$27.00} from what the customer service representative told me.
Consumer complaint received 2020-06-12
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MI)

I was turned down to refinance my home today because of a recent delinquency reporting on my credit report from Ford Credit in the month of XX/XX/2020. They are claiming to not have received my payment that was sent to them electronically on XX/XX/2020. I did make this payment from my XXXX XXXX  online Bill Payment ( Please see attached bank statement and proof of payment ). Ford Credit never credited my account for this payment which was the payment in the amount of {$750.00} that was on XX/XX/2020. Ford claims they never received the payment but I definitely sent it and have proof attached. I informed XXXX in XX/XX/2020 that it was never credited to my account with Ford Credit so they filed a dispute to recover the funds which was credited back to my account in XX/XX/2020. However, Yes I got my funds back but my credit is now destroyed over this bank error that was beyond my control. My job is to make my payments on time which I did and I have always been doing. I can't refinance my home because of this inaccurate credit reporting caused by a bank error and I am requesting that this be corrected immediately.
Consumer complaint received 2022-08-04
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. (NC)

Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX XXXX  and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted XXXX on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including XXXX, Equifax, & XXXX which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report attached.
Consumer complaint received 2020-04-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Card Services, closed my account for a subjective reason. I've had the account for about 2 weeks when this happened. I followed the rules and I was led to believe that I would get points for making an account with them. So, I was using the card for about 2 weeks and my credit was pulled before I was approved. I received a letter stating that they are closing my account for a misleading reason. I do not believe that Chase can discriminate against its own customers. I've written to their executive office and had calls. The executive sovereign department is so unreachable to its " discriminated '' customers. I would like to request for my account to be open and credit restored. Thank you.
Consumer complaint received 2017-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS (CA)

Repeated calls minutes apart to included people unrelated to me. Called to others unrelated to me at XXXX followed up with additional calls at XXXX. Harassing telephone calls and messages with threats. Nothing ever receiving in writing. Never states who they are or who the debt is owed to but calls not returned will start litigation. Calls from an XXXX that does not accept calls but told to call an XXXX.
Consumer complaint received 2016-12-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A. (NY)

I was served a letter stating my wages at my job will be garnished in order to pay back a student loan to CITI Bank. I never took out a student loan with Citi Bank ever. I did have a federal student loan but i paid that back in full in 2010.
Consumer complaint received 2017-03-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (CA)

I have been going thru a divorce case for the past 3 years and last year I had to start paying spousal support of XXXX per month. I stopped going to school and had one year of my XXXX left, but with all the XXXX and XXXX ca caused by the divorce I was not able to go forward. the fed loan serviceing office has been on my case since then and demands that I start making a payment, I exp explained to them that right now I cant make any payments, or if they can refer me to a place where I can work as a XXXX ( to qualify to have my loan forgiven ) I might still go back to school once every thing in my personal live settles down. 
I also owe money to the irs, since my spouse refused to file taxes with me jointly. I keep being bothered by the fed loan servicing department and they are not not trying to consider my situation. please help me. thanks. XXXX.
Consumer complaint received 2020-06-12
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 
DEPTEDXXXX {$3000.00} DEPTEDXXXX  {$4800.00} XXXX {$250.00}
Consumer complaint received 2020-06-12
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX/XXXX  XXXX {$450.00} XXXX/XXXX   XXXX {$3800.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I have enrolled in the promotion when opening a new checking and saving account with Citibank in late XXXX, and have met all requirements set for the bonus of $ 400+ {$100.00} on XX/XX/2019. Then I have waited the full 90 days till XX/XX/2019 and did not receive the bonus. I made an inquiry and revived a confirmation letter of eligibility which I have attached here. Now I am still waiting.
Consumer complaint received 2017-03-12
Product: Credit card — 
Issue: Other — 
Company: Colony Brands, Inc. (LA)

The company Home at five and seventh ave bought are one company. They bought had XXXX separate credit card bills on my credit report. I called to see what was going on before I had never even received a catalog or anything from them I did not even know who they were. When the representative answered my call she explained to me that they had sent catalogs to my old address from when I was a child, I had not lived there in about 10 years, but my mom still stayed there and her name is also XXXX so, I explained to the company that it was my moms credit card not mine they had put it under the wrong credit report. From that day I have been trying to get the company to take the credit cards off my report but, they refused I have also disputed them several times. They are refusing to take it off my report even though my license even says I have n't lived where they sent the catalogs. but my mom did
Consumer complaint received 2022-05-16
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. (IL)

I have tried 3 times to obtain my credit report from XXXX, I sent my State Id, my SS # : I called and requested it two times over the phone and tried to do it on line, they have not sent my credit report, I had no problems from Equifax, or XXXX, but from the report that they sent me my rights have been violated. A consumer reporting agency can not furnish an account without my written instruction. The open dates are inaccurate, last active is inaccurate, date last reported inaccurate. This is grounds for removal and 15 USC 1681 section 602 A states that I have the right to privacy, 15 USC 1681 section 604 A Section 2., as a result of these things on my credit report I have hardship, I have a job, but I live with my Sister, I tried to get my own place and I was unable to because of my credit report. A credit report should not be the determining factor to get a place to live, you have the job making good money, but you can't get in because of a credit score is just down right ridiculous to me, I can not tell you how many people can not get a place to live because their score is too low, or they have erroneous stuff on their credit report that stops them from obtaining a home, these things need to change. If you need to contact me please contact via e-mail XXXX, address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Illinois XXXX.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Went in to Bank Branch to make deposit of a check I received from my attorney for {$10000.00}. Asked teller what the hold period will be on this deposit and she ignored and went ahead and made the deposit. I requested to talk to the branch manager who told me that there would be a hold on this check but never mentioned the number of business days this hold will last. The check was deposited on XX/XX/2020 at XXXX. As of today XX/XX/2020 there is still a hold on my funds which are not available.
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

PNC Bank mislead me as a customer. I opened an account for {$25.00} online and I was under the impression, from what I read. that I would enrolling into the virtual wallet. Instead my {$25.00} deposit turned into - {$25.00}. I was not informed until after my credit was affected. I am very unhappy with their services. I called several times and was informed they would remove the fee and close the account. Weeks passed no call back, no closed account. Just very bad and misleading service.
Consumer complaint received 2020-06-12
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$240.00} DPTEDXXXX {$4200.00} XXXX {$5000.00} XXXX {$4200.00}
Consumer complaint received 2022-05-16
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. (MD)

In accordance to the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX violated my 609 rights bu reporting incorrect information to Equifax further violated my rights by adding this incorrect information to my credit profile for others to see XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, Equifax XXXX XXXX XXXX, XXXX XXXX XXXX reported to Equifax that i applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Consumer complaint received 2022-11-13
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. (OH)

I, XXXX XXXX am a consumer and natural person who is a victim of identity theft. Equifax, XXXX, and XXXX used and furnished my consumer report without my consent, authorization, or written instruction. These consumer agencies allowed companies to share my nonpublic personal information without my consent and also used that data to furnish. Congress confirms that the consumer has a right to PRIVACY! Equifax, XXXX, and XXXX has violated my federal right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information.The FCRAs purpose is to be sure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMERS right to PRIVACY! Equifax, XXXX, and XXXX are in direct violation of the FCRA and XXXX XXXX XXXX XXXX of 1999 by sharing and selling my nonpublic personal information without my consent.