davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NJ)

I am attempting to close a home mortgage with Citi. They approved my file and sent me a commitment letter on XX/XX/2020. They still have not closed, and each time I ask for an update, they add 4 - 6 weeks to the closing timeline. For instance, on XX/XX/XXXX, they told me that my file would be in the queue for final review and closing in " 5 - 6 weeks. '' When I followed up 5.5 weeks later, on XX/XX/XXXX, they told me " another 4 weeks. '' Even worse, my file was completely updated in XXXX with all necessary information. Since that time, Citi has asked repeatedly for updated personal financial information from me and my wife, even though the reason the initial information expired was solely due to Citi 's own closing delay! Every few weeks I have to send a trove of sensitive personal financial documents to them. It's like we're on a treadmill, they can't set a closing date, but then they also want continual new information from me. It is a major burden to send all these documents every few weeks. 

Worst of all, Citi is offering me a discounted mortgage rate in exchange for moving my personal bank and investment accounts from XXXX and XXXX  XXXX XXXX. They pressured me to move these accounts over quickly, which I did in early XXXX, even though it was a huge hassle and I preferred to keep them at the original banks. Yet they can't even close the mortgage, and now my accounts have basically been held hostage for months ; if I move them out of Citi, then Citi will take away my preferred mortgage rate. I just need Citi to close this mortgage! 

Citi has even admitted that other applicants, who did not provide their personal information in a timely fashion and who have incomplete files, are taking priority over my application, just because they submitted their applications first. I can't win -- I get Citi all of the info they ask for, and then I get penalized for it by being asked to update that information every few weeks, while other applicants can't even get their first round of information in. Yet those other applicants are ahead of me in line to close!
Consumer complaint received 2018-04-03
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: BARCLAYS BANK DELAWARE (MN)

On XX/XX/XXXX, I chose to use XXXX miles for an approximate {$100.00} travel credit as part of the Barclay Rewards program. I clicked the {$100.00} XXXX XXXX credit item then cancelled the transaction discovering that it would make more sense to use the {$550.00} credit item from the XXXX  XXXX which expires on XX/XX/XXXX. The payment was canceled but I lost the XXXX miles leaving me with only enough miles to apply an {$89.00} annual fee credit item. I immediately called Barclay at XXXX to request my points be returned which they refused. I escalated the issue to the Office of the President for consideration. The Barclay service manager said I could fax or send a letter to the Office of the President, Attn : XXXX XXXX - President, XXXX XXXX, XXXX, DE XXXX. Barclay offered no electronic option to file a complaint. Meantime, I have posted a payment in full for my account balance due XX/XX/XXXX. The service reps at Barclay were professional but it was clear they lacked any authority to resolve this simple issue of returning my XXXX reward points forcing me to mail a letter to the president.
Consumer complaint received 2020-08-31
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. (OH)

This is the second dispute attempt to have these miscellaneous accounts removed from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. I intend to pursue litigation in accordance with the FCRA, to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 ; if the UNVERIFIED items listed below are not deleted immediately. Please remove the following accounts : XXXX XXXX XXXX OHIO Docket # 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 XXXX, XXXX # XXXX XXXX These accounts are not accurate.
Consumer complaint received 2020-10-15
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. (VA)

Erroneous, damaging information was not removed from my credit file. XXXX, XXXX, Equifax did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.
Consumer complaint received 2018-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (IL)

To whom it may concern, I am writing to bring attention to service outages and issues facing students with loans serviced by XXXX XXXX XXXX ( XXXX ), XXXX XXXX, WI. XXXX  services loans made by Universities to students in financial need. Though multiple years of corresponding, interacting and being a customer of XXXX  I have great concern with their ability to handle my personal financial information. This most recent issue has given me incentive to inform you of their systematic issues. 

Beginning XX/XX/18 I was contacted by XXXX that my reoccurring student loan payment was being deactivated pending an upgrade to their systems. Additional correspondences provided a plan of service changes that gave a timeline of dates that their new systems would be available. Though multiple contacts with customer service representatives XXXX continued to reference their new website being available on XX/XX/18 and at that point I would be able to access my data. The date of the planned service upgrade passed and still no correspondence on the new XXXX website or any access to my information. Their new website provides me no information outside of my name and address at login. All my information on loans, payments, tax documents or reoccurring payments is inaccessible. As of today it my personal loan, direct deposit, banking and payment information has been unavailable for more than 15 days ( XX/XX/18 to XX/XX/18 ). 

This is completely inexcusable for any lending services company or any company handling sensitive personal financial information. I have ongoing concerns with the ability of XXXX and its employees to protect and service my financial obligations to my lender. In addition I would also like to bring to your attention several disconcerting complaints on the XXXX XXXX XXXX ( XXXX ) website with customers experiencing similar issues. 

I look forward to your response in this matter. Please feel free to contact me at XXXX Regards, XXXX XXXX
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I spoke with the USBank : CONSUMER RECOVERY DEPT. regarding the error in reporting of my payment history. I specifically called regarding the reported 60 day late payment status showing on my XXXX  credit bureau report, and most recently all 3 bureaus. 

The bank representative, XXXX, confirmed the error in reporting on the call at XXXX XXXX PST, as a result of the return of the check payment presented. She further stated if I provided a copy of my bank balance on the date of the presentation of the payment of the minimum payment due, that it would be corrected in the reporting. Lastly, she requested a copy of the NSF check to show that the presentation and return had in fact occurred. I still have not received such proof. 

I followed up with the Bank Recovery Dept., faxing the requested letter and proof documenting that the error was a result of the {$1200.00} payment return NSF on XX/XX/XXXX, and noted on XX/XX/XXXX ; to XXXX. Detailing : USBank XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX The information has not been corrected on my behalf by USBank. This is my second experience of incorrect reporting, as shown in complaint XXXX about US BANK NATIONAL ASSOCIATION. 

I have tried to correct this matter directly without a third party, and it appears to not be possible.
Consumer complaint received 2020-08-31
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

This is the second dispute attempt to have these miscellaneous accounts removed from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. I intend to pursue litigation in accordance with the FCRA, to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 ; if the UNVERIFIED items listed below are not deleted immediately. Please remove the following accounts : XXXX XXXX XXXX OHIO Docket # 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 XXXX, XXXX # XXXX XXXX These accounts are not accurate.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

In noting in a web based news story released today regarding Wells Fargo reaching a {$3.00} XXXX settlement with federal regulators, XXXX XXXX, Wells Fargo foreclosed on a home they purchased from the original financer. To the best of my recollection, we fell behind in payments, but were not offered an opportunity to negotiate any pay options. 

We simply received a letter that our home was to be auctioned and gave us 30 days to be gone from the home. There were no other means of communications with us other than the letter. They were rude with us over the phone when we did contact them, they stated the only option we had was to pay the owed balance in full which we could not afford to do.. 

I no longer have this correspondence, and admittedly do not recall precise reason ( s ) on how or why we fell behind, or if we attempted to reach out to Wells Fargo for assistance prior to receiving the final notice. But today 's report states, " It mistreated millions of customers, causing some to lose their cars or homes ''. We believe we may be qualified to at least be considered in any disbursements for their wrongdoing and lack of professionalism in partnering with a customer to resolve the circumstances we were in at the time. 

Any assistance in contacting Wells Fargo on our behalf, and I will also attempt to contact them directly to ensure our circumstances are made known, and if our circumstances can be considered under the protocols of this decision based on their potential mismanagement of our account which seem to mirror the dialog of the report. At this time, we do not have any paperwork or documentation after a few moves in a XXXX time period but will attempt to locate any documents we may have relative to this request. 

Thank you for any assistance that can be offered. 


XXXX XXXX XXXX
Consumer complaint received 2021-11-01
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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (KS)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that the XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on BRCLYSBANKDE ( Account # XXXX Balance : {$0.00} Date opened : XX/XX/2015 ). Also, I tried to reach out to the Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

I reported fraudulent charges on my Macy American Express and the company is denying that fraud charges and billing me for the charges. I informed the company that my credit card information and identify was compromised online and I didn't authorize the charges.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (DC)

TIAA is delaying giving me PAYOFF statement. My new refinancing company and I have request it 6 times since 3 weeks ago. TIAA keeps on saying it is processing and that it takes 3 business days. I think TIAA is avoiding issueing payoff statement and is trying to delay my refinancing. Here 's the info of the TIAA -- XXXX : XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
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. (TX)

Child support has been stopped on the account that I now have custody of my son. I am still being charged child support and am currently paying child support but credit reports show that I am either 30 days late or 150+ days late and it is currently hurting my credit score. There are inconsitancies regarding payments to the attorney general over the last 3 years. It is showing I am current one month then 90 days late the next month then no information for 2 months and currently in XXXX no information regarding payments with XXXX. Equifax shows I am current throughout XXXX until XXXX through XXXX and those months show 150+ days late. The incorrect reporting of payments from these companies are destroying my credit.
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, FXXXX XXXX Account number : XXXX xxxxxxxxxx, XXXX XXXX XXXX  Account XXXX : XXXX, XXXX/XXXX Account number : XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A XXXXon XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-03-01
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. (CA)

In my XXXX XXXX Credit Card XXXX, issued on XXXX XXXX, XXXX in addition to my normal purchases I found unauthorized charge for {$11.00}, showing in statement as XXXX XXXX   XXXX. I did payment of my authorized due balance and disputed this {$11.00} charge. XXXX phone agents did not accept that the charge was done by their affiliated insurance agency ( though on web there are many fraud alerts on this scheme ) and decided to replace my credit card due to fraud activity. In reply to my XXXX XX/XX/XXXX dispute I was informed that my dispute was properly accepted for processing ( I have same day email notice confirming that ) and I should pay any due amount except the disputed balance. Since I had no any overdue payment I was assuming that the issue would be properly resolved soon and new card would arrive. What was real surprise for me is receiving next statements indicating the same charges plus some other charges applied to this unauthorized charge, plus new small charge of {$0.00} form the same XXXX XXXX XXXX, dated XXXX XX/XX/XXXX. 
After XXXX months no dispute resolution notices were received from XXXX. When I called to customer support on XX/XX/XXXX the agent rejected to provide any reasonable explanation for the situation and was trying to forward me to this XXXX XXXX ( which I do not now who they are ). In fact, XXXX instead of resolving the disputed transaction is trying to protect someone's interest ( which assumably is affiliated with them XXXX and continuing applying same charges and more additional fees. After understanding this fraudulent scheme : illegal credit card add-on practices by XXXX on XXXX XX/XX/XXXX I had requested closing my account immediately. Since XXXX is non-responsive on this issue and this situation may affect many consumers I had no choice but applying to CFPB for resolution of case.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

The CRA 's are reporting false Public Record information in my credit profile.

RE : XXXX COURT CENTRAL CALIFORNIA Docket # XXXX XXXX COURT CENTRAL CALIFORNIA Docket # XXXX After contacting the CA Bankruptcy court I was informed there were NO BK cases filed in my name. I was also informed that the " COURT '' and I Quote ... '' does NOT contact respond, or communicate with third party vendors '' This will include Equifax, XXXX  and XXXX. Knowing this verifiable fact. I am puzzled that the CRA 's continue to " verify/ validate and account with out researching it according to the FCRA statutes. They are violating FCRA 611
Consumer complaint received 2020-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GreenSky, LLC (MI)

GreenSky , LLC. dismissed all my complaints and closed them without fully investigating the situation. A representative that I've never even spoken with before, closed my cases and claimed GreenSky did an " investigation '' on my overcharged account closed my claims, while my actual caseworker has been out of town for a week, never fully investigating my case. The representative that closed my case said I I was notified of a price increase by XXXX XXXX, and I most certainly had no idea. I have medical proof from my PCP that was faxed to my caseworker yesterday, so GreenSky did not do a full investigation. My caseworker said she would call me Monday, when she returned to the office to further investigate my case, but some other representative closed my cases without knowing the full scope of the situation. I have medical proof that I was unable and not able to come in for XXXX XXXX. There is fraud happening with GreenSky and XXXX. I'm XXXX and live off a XXXX check. The manager of XXXX was very deceptive about the pricing. She did tell me the 50 % off treatments applied to any treatments I got but it's news to me that there was a price increase. If they tried to tell me they didn't do a good job because I had no clue. Why would a person who lives off of XXXX sign up for a $ XXXX contract without being lied to about the price? I can hardly afford my bills as it is. Thieves.
Consumer complaint received 2021-11-01
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. (GA)

Back in XXXX I found out that I had a student loan on my credit report. I tried to handle it back in XXXX a few times not knowing the correct way of handling it. I didn't get the results I wanted and was basically being forced to pay something I never requested or took out. Once I got into learning and understanding my credit and how it works I reached back out in XXXX they took a while to reply back. Once they replied back, it's been a lot of back and forth between the student loan people and I. They had my information like name, gender, dates and they even had two different amounts for this one account. I have sent multiple dispute letters and they only replied to one dispute letter and with the wrong information and two different amounts. They still trying to force me to pay and give me a hard time of fixing this problem.
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I made a purchase at XXXX  to ship a package they lost it or stole it. 
I bank with Chime due to its online nature. I was informed I must fill out paperwork via a printer and scanner I dont have access to and threatened to deny my claim if I do not incur added expenses and health risk by going to a copy store. 
Chime does not have humans to assist and while theyre content having no in-person interaction as their business model, that business model is causing me losses and this is what I consider an unfair trade practice
Consumer complaint received 2020-08-31
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. (TN)

I was a victim of the Equifax Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX  and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - XXXX, Equifax and XXXX and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and XXXX is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from XXXX but have not heard from XXXX and Equifax.