davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I currently have a credit card from " Barclaycard, Visa ''. On XX/XX/XXXX. 2021, I paid the account balance of {$1000.00}, which is what showed was due " on line '' and the automated system, that was confirmed with the representative. The amount was paid and posted on this same day. On XX/XX/2021 ; I found another charge of {$18.00}. I called the company and spoke to XXXX. I inquired about the charges and why the available balance had been dropped and continues to drop despite my high credit score? 

I am completely concerned about this company and their ethical business practices. I am a person who pays my bills on time or before they are due. Whenever I have paid the balance off, the next day or before the next bill is due on the XXXX of every month, I find this company has yet another charge on the account. When contacting the company to inquire why this continues to happen? I am given the excuses of it's the " Interest '' that was not paid. I asked them how can that be, if I paid off the account before the due date? I was given an excuse " because the interest is not added until after the billing cycle due date. I paid this bill in full the day before it was due, I inquired where Did they get the amount of money to charge yet another charge of {$18.00} on the next day, the day the payment was due? Then they will use the excuse that the Interest rate is based on the APR ( which I currently have a high score ). When I asked why my available balance had been dropped? I was told it was based on my APR and how much I currently owed before I paid them off. I have always paid my bill balance or requested payment by or on or before the due dates. I believe this is just another way for this company to STEAL from their customers. 
When I asked the Rep/XXXX, where the main office was, I was told it was in the UK. I asked about the address, I was told to look it up. 
Companies that continue to do business in this manner, I feel are allowed to RIP off their customers who work hard to pay their bills. At this point I am concerned as to how many more people are being ripped off? I am filing a complaint based on Unethical and Unlawful business practices '. I not only want them investigate but charged for the crimes, these companies are allow to continue to do to their customers who continue to pay their bills on time.
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

I have a mortgage on my home, Wells Fargo acquired the mortgage from XXXX XXXX XXXX. The payment is due on the XXXX and late on the XXXX. I usually pay in advance. I mailed my XX/XX/XXXX payment on XX/XX/2018. The bank received it and processed it through my bank on XX/XX/XXXX. My checkbook journal says I wrote it for the right amount. Wells Fargo says the payment was short by {$100.00}. I can not verify this as the method Wells Fargo uses to process the check, something like a debit card payment according to my bank, means I can't get a copy of the check. Wells Fargo placed the entire payment in " unapplied funds '' on XX/XX/XXXX. Wells Fargo made no attempt to notify me of the alleged {$100.00} shortfall. On XX/XX/XXXX, the day after the past due date, Wells Fargo declared the entire mortgage payment past due and assessed a late fee of {$57.00} ( 57.97 % of the {$100.00} 's past due for 1 day. ) On XX/XX/XXXX Wells Fargo notified me by e-mail that the payment was past due and the late fee. I went to the bank on XX/XX/XXXX and paid the {$100.00}, the late fee was allegedly removed but it still showed on the account today, XXXX. I can not believe it is legal for the bank to hold my money and not notify me for 24 days so that it can assess a late charge, ding my credit and make it harder to get rid of them once and for all. Wells Fargo has my address, my e-mail address and my telephone number!
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

609 dispute letter Dear Dispute Department : I am writing to inform you of an error on my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ).

Account Name : WELLS FARGO DEALERS SVC Account Number : XXXX Description of Dispute : Account has reported non payment since XX/XX/2020, payment did have prior late payments due to COVID-19 financial disaster. Account reports closed account when is current and open, has reported bad payment history, Incorrect loan holders information, Incorrect. 
Evidence Enclosed : have spoken with both loan provider and credit reporting company. Please advise. 
I am requesting that you remove this information from my credit report. Thank you for your help. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I opened a Citi American Airlines Advantage Master Card back in XX/XX/XXXX. I tried closing the credit card twice in the past in XX/XX/XXXX and XX/XX/XXXX. They don't have an online link to close account. When talking to rep back in XX/XX/XXXX they wanted to convert it to a no Annual Fee credit card which they never did and kept billing me for Annual Fee and adding Interest charges on it. So far I have paid more than $XXXX in Annual Fees and Interest charges. I would like CFPB to investigate this dubious practice of Citi American Airlines Advantage Master Card. 1) Why don't they have a Card Cancellation button in the online portal? 2) Why do they give you other options over the phone that they don't plan on honoring?
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (ME)

I opened a Citibank Priority checking and savings account through a promotional e-mail sent to me by Citibank ( I was a Citi Double Cash credit card holder and have had a few different Citibank credit cards over the years ). The promotion was that I would receive a {$700.00} bonus once I funded my account with a minimum amount specified in the e-mail ( I funded the account XX/XX/XXXX ) and kept that minimum amount in the account for 60 days and then waited up to 90 days after that for the bonus. Opening the account was not made easy due to the lack of customer service provided by the Citibank telephone reps ( I opened the account through the promotional link and then called to fund it over the telephone ). Because Citibank is a large company and the hassle I went through opening/funding my account I called in mid XXXX ( just before the 60 days ) to make sure the promotion was on my account ( the rep confirmed it was ) and to see what day I could move the funds to a high yield savings account ( at Citibank as well ). I was told XX/XX/XXXX was the day I could move the funds and I called on that date to again verify the promotion showed on the account ( the rep confirmed it did ). I decided just to be safe to wait until early XXXX. That day I called to make sure for the third time the promotion showed on the account. This time the Rep advised that the promotion showed in one of their systems but not the second for some reason. The rep transfered me to a Supervisor who told me they would add the promotion code to the second system and that I would receive my {$700.00} promotional bonus no later than XX/XX/XXXX but potentially sooner ( after confirming I had met the dollar amount and 60 day requirements ). Since this whole thing had already been a hassle I called on XX/XX/XXXX to make sure I would receive the {$700.00} the following day. The rep advised that the promotion code was still only showing in one system. The rep advised she would open a promotion dispute once confirming I had met the dollar amount and 60 day requirements and that I would see the {$700.00} no later than XX/XX/XXXX. I was also told a Supervisor would call me. I called on XX/XX/XXXX because I didn't receive a call from a Supervisor and was told they would expedite my dispute and again said I would definitely receive the {$700.00} on XX/XX/XXXX. I did not receive the {$700.00} on XX/XX/XXXX and it was not showing as pending/scheduled. I called on XX/XX/XXXX and was told they were still 'investigating ' the dispute from XX/XX/XXXX and that the person I talked with on XX/XX/XXXX opened a second dispute instead of expediting the first. I asked for a Supervisor and was rudely told that I would get the same information from a Supervisor as I just received and to just wait and be patient and I would receive the {$700.00}.
Consumer complaint received 2021-03-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLIANT CREDIT UNION (CA)

I purchased an RV through XXXX  XXXX XXXX in XXXX XXXX. The loan they secured for me was with Alliant Credit Union. My first loan payment was due on XX/XX/2021 which was paid on time. I then made my second payment on XX/XX/2021. I noticed that NONE of my payment was going to principle. NONE. I realize how loans work and that most of the payments in the beginning will go towards interest and a small portion goes towards principle. I even confirmed this with the finance manager at XXXX  XXXX XXXX. I reached out to Alliant Credit Union multiple times the last being XX/XX/XXXX when they said they will escalate to a supervisor. Still no call from them and still not fixed. Interest only loans are illegal in CA where I live. I need help.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (CA)

I had a Chase credit card XX/XX/XXXX was on my credit reports, shown as paid, on time then removed from my credit reports. My receipts showed I paid a credit card. The reason for my use of credit card is to build credit on the reports. Most if not all banks show credit card activity on credit reports. Evidence available if needed.
Consumer complaint received 2019-08-17
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: Rocket Mortgage, LLC (MI)

On XX/XX/2019my credit monitoring company informed me that a hard credit check had been pulled on out credit rating. Upon investigating I learned that our mortage company, Quicken Loans,had pulled it because they wanted us to refinance our home.  They called my husband at work to discuss this with him and proceeded to read from the report, never mentioning that it was a hard check.  They never asked for permission to do this.On the  XXXX XXXX they called me, not my husband regarding the same issue.  This was after my husband sent an email stating we were not interested.  I gave this person, he said his name was XXXX  XXXX, after telling him we were not happy about them pulling the credit check that no further conversation was going to happen.  Any communications was to be in wrting.  I eventually talked to an XXXX XXXX and was told that she would look into it and get back to me.  As of today I have only gotten an email with her phone number.  After talking to a loan processor at a bank I learned that this was not supposed to happen, and said I should file a complaint.
Consumer complaint received 2021-08-10
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. (FL)

I have filed 4 complaints against Equifax asking them to provide me with the additional information they went on record on XXXX the XXXX and claimed they had that validated the debt between me and XXXX XXXX XXXX. The attached document ( Equifax XXXX ) is what they keep mailing to me in response to my complaints, There is nothing on that document that is different from the one I submitted in my complaints ( XXXX, XXXX, XXXX, XXXX ) that Equifax said they had the additional information on. Equifax keeps sending me the same identical information that they attached to my dispute resolution on XXXX the XXXX. ( See Equifax dispute 3 ). I want to see this additional information they claim to have. The information they keep mailing to me is not additional information from the original creditor that validated this debt. This is the same exact information that Equifax supplied me on XXXX the XXXX. This debt is not a valid debt and Equifax is lying when they say they have additional information that validates the debt. The SC Attorney General office Consumer Protection division has already opened a fraud investigation against XXXX XXXX XXXX for making up bogus s debts and supply them to the credit bureaus to scam people into paying these debts. I have a legal right to see this addition ( NOT THE SAME BUT ADDITIONAL ) information Equifax claims they have from the original creditor that validated this debt.Read the attached document I received in the mail from them today. This is not additional information that validates this debt. In the part of the document that says additional information there is nothing there. I want to see this additional information. Stop sending me the identical information you sent attached to my dispute resolution on XXXX the second. The information they keep se So far the CFPB once again has taken no action against Equifax even though Equifax is denying me my rights by not showing me this alleged addition information they claim to have.
Consumer complaint received 2021-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

First I closed my checking and savings account with Citibank in XX/XX/2021 due to Citibank false promise to me. When i closed, both accounts had positive balance. Citi issued me a check for the balance. Then a couple of weeks later, Citi decided to reverse all the disputes in the past and created a negative balance on my account. Each week, they added {$300.00} in negative balance. After a month, I suddenly owe Citi more than {$1000.00} in debt. They called every morning including weekend at XXXX asking me to pay or they would report my account to credit monitoring agencies. They should have not let me close the account if they thought I still owed them money. Otherwise, if they issued me a refund on my account, why suddenly changed their mind and reverse past dispute transactions that occurred 6 months ago. This is a tactic to try to rip off customers ' money when Citi knew they could not maintain a banking relationship due to their false promises.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (NY)

The credit card has been closed since XX/XX/XXXX. The remaining balance has been paid. This closed account has remained on my account for almost 10 years. Its been paid in full since XXXX. Ive experienced several hardships from the time the account was open until the account was closed. Ive requested to have it removed as there no longer is a balance and it is hurting my report. During the time the account fell delinquent I was unemployed and also facing other hardships so I was unable to make payments to this account.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (CA)

My account opening was denied because of unfavorable debit history. Ally used check system, where they said i have a score of XXXX. However, when i obtained the score from check system, it was XXXX. There is no negative information on my account.
Consumer complaint received 2021-03-27
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. (CA)

Since XX/XX/2020 i have been reaching out to Equifax about their incorrect reporting on my behalf. 

To begin with my personal information section is incorrect. My employment, phone number, address, and alias are all incorrect. I asked Equifax to remove all alias 's and update my phone number and employer because the information they are reporting is incorrect, i have not seen anything change. It's been six months.

The investigation results i receive back from Equifax are always " verified '' as accurate. None of the requested information to deem these accounts as " accurate have been provided '' This is against the FCRA sec 314. 

Equifax is using my personal information section to verify these accounts, when it's inaccurate therefore all the investigations conducted are inaccurate and these accounts must be removed by law. 

Equifax violated TILA by reporting the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures.

Equifax violated the FCPDA attempting to collect more than what is owed. In addition Equifax is threatening a lawsuit with one of the accounts when I have no intent to sue. 

Equifax violated the FDIC by not reporting accurate information on my credit report. 


How does Equifax get away with this type of behavior. I have certified to Equifax that these accounts do not belong to me. 

It has now been over six months, still same answers from Equifax. 
To be fair I did receive account statements from XXXX XXXX, but the statements had a different family members name on them. Also account statements are not legal proof of verification so you failed there. In addition, the statements had amounts on them with accumulated interest which is against TILA. 

I have been denied a home loan because of your failure to comply with the law and delete anything that is not 100 % accurate or verifiable. 

Who is verifying this information? I don't get it how can i go back and fourth for six months and nothing has happened. We are in a standstill. 

I don't want to wait 30 more days, i have waited six months. There is nothing to investigate if the information does not match why are you reporting it?

I have copies of over 30 dispute results from Equifax showing " updated '' " verified as accurate '' without having anything to show for. How does this happen? 

I just don't understand who is running this nonsense? How has this been going on for six months and you have not followed the law? 

Everything used during the dispute process and complaint process will be used against Equifax in the XXXX XXXX court if you fail to remove the incorrect, inaccurate, unverified information from my report this instance. This has gone on for way too long and it's time to take this to the next step.
Consumer complaint received 2021-03-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (WI)

Jeffersonal Capital Systems, LLC has been reporting a negative closed account from a car loan I was ( cosigned ) on on my credit report. This loan was involved in a class action lawsuit in which the original creditor ( XXXX XXXX XXXX ) was required to completely forgive this debt and completely remove it from my credit report.
Consumer complaint received 2019-08-17
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (MA)

This company claims that I have a balance of {$1700.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit bureaus that they are reporting this debt to asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the account was validated without providing me with an original contract bearing my signature. I know that the FCRA says that a contract needs to be provided to the consumer bearing his signature when validating a debt. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows the name of this company but I never had an account or a contract with them. I want to see the contract with my signature on it that says that I agreed to pay this company.
Consumer complaint received 2022-10-05
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. (FL)

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : DEPT OF EDXXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$440.00} DEPT OF EDXXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened Sep. XXXX, XXXX Balance {$600.00} DEPT OF ED/NELNET XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}