davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc. (CA)

on XX/XX/XXXX, my payment of {$370.00} was due, however, I wanted to pay-off my account for the amount of {$570.00}. On XX/XX/XXXX, my payment was returned using the CarMax app on my phone. XX/XX/XXXX, I received a call informing me that my payment was returned as my account was " frozen ''. I called my bank, my account was not frozen, called CarMax Auto Finance back and issued payment over the phone again, and I specifically asked if the payment was processed as an ACH payment, the representative quickly responded, " YES. '' XX/XX/XXXX I went into the XXXX, CA location and I was I spoke with someone at XXXX over the phone who affirmed that my account was closed, and nothing was owed and my checking account balance reflected the result of a large deduction. I also received a letter stating that my account was closed and PAID. ( See attached ) XX/XX/XXXX I get another call explaining that my account is passed due and I, now, owe $ XXXX. I think it is ridiculous that these institutions allow their staff to not verify information regarding customer inquiries and allow their customers to suffer the additional interest because of the staff 's inability to properly explain which types of payments can or can not be processed. That should be the most basic responsibility fo their job. Call reference # XXXX
Consumer complaint received 2020-11-17
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: EQUIFAX, INC. (NV)

I got a copy of all three of my credit report personally for myself for the 1st time in years and there is a few accounts and personal info on them that do not belong to me and I do not in anyway recognize. I filed a police report, identity theft report, and disputed it with all three credit bureaus and they have not removed the accounts. I should not be held liable for accounts that a company allowed someone else to open in my name and am furious that they have not taken them off my reports. I have decent credit and should not be liable for something I didn't do.
Consumer complaint received 2020-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OH)

On XX/XX/XXXX I received a notice that I owed XXXX XXXX, a debt collections agency, {$350.00} for a bill I never paid with XXXX XXXX. I received a phone from said collections agency call a few days later saying that it is a disconnection fee I never paid to XXXX. I don't recall getting such bill in 2018 because we never had cable from XXXX. This is the third time XXXX XXXX has sent my bill to a collections agency in the last two years. I have disputed the collections to XXXX  each of the other two times, but they keep billing me and sending it to collections.
Consumer complaint received 2020-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I deposited a large check from an insurance company for payment ( {$2900.00} ) and Chase held it for 10 days and that cause not only my personal account to be overdrawn but as well as my business account. I want the OD fees in both account refunded back to me, from the date of deposit.
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (IL)

I had not received a bill when expected for my XXXX Visa Card issued by Barclays Bank Delaware ( Barclays ) of XXXX. XXXX XXXX, XXXX, Delaware, XXXX, so I promptly sent them a written correspondence on XXXX XX/XX/XXXX. A normal response should have been the issuing of a billing statement. Instead, they sent me a XXXX XX/XX/XXXX letter with the blatant fabrication " We called you several times to discuss your concern, but were unable to reach you. '' In reality, I never received a single phone call as it would have been registered under " Recents '' upon my XXXX XXXX XXXX. Finally, quite belatedly, they sent me a XX/XX/XXXX to XX/XX/XXXX Statement with the unrealistic Payment Due Date of XX/XX/XXXX that had to be received at their payment processing center 1,842-miles away ( a 27-hour drive ) located at XXXX. XXXX XXXX, XXXX XXXX XXXX, California, XXXX, that was not in my physical custody until XX/XX/XXXX for the remittance of {$33.00}. I immediately issued personal check # XXXX for {$35.00} and mailed it the next day before the XXXX pickup time. On XXXX XX/XX/XXXX, XXXX emailed me that " We received your XXXX Visa Card account payment and applied it to your credit card XX/XX/XXXX. '' XXXX XXXX XXXX ( Barclay Bank Delaware ) Then sent me a XX/XX/XXXX letter stating " The balance on your XXXX Visa Card amount is {$140.00} as of XX/XX/XXXX. Your next payment is due on XX/XX/XXXX, with a minimum payment due of {$27.00} '' that I was not in receipt of until XX/XX/XXXX. Conseqeuntly, I deducted the {$35.00} I've already disbursed and subsequently mailed them check # XXXX for {$100.00} to XXXX XXXX XXXX, California, on XX/XX/XXXX. Today ( XX/XX/XXXX ), I received my second XXXX Visa Card Statement for the XX/XX/XXXX to XX/XX/XXXX period with a new balance of {$170.00} ( of which only {$29.00} do I owe ) with an iniquitous {$27.00} Past Due charge even though it is clearly there direct fault my payment was " late. '' Please enforce the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, Regulation Z, as Barclay Bank clearly has transgressed 226.5 ( b ) ( 2 ) ( ii ) known as the " 21-Day Rule for Delivery of Periodic Statements '' ( XXXX XXXX XXXX ). They have a flagrant disregard in assuring XXXX Americans have equal access to their services. I don't appreciate being segregated by this ableism company who has gross incompetency in ensuring timely issuance of credit card billing statements. Thank you for your help.
Consumer complaint received 2020-11-17
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: LEXISNEXIS (GA)

on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.
Consumer complaint received 2020-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

Id like to bring to your attention a case where I have been charged excess PMI ( Private Mortgage Insurance ) on my Home Mortgage, even though my loan to value ratio fell below the required limits a while ago. 

I have sent several emails & made phone calls, but have been stonewalled into automated responses and noncommittal responses. 

Here are the details of my Home Mortgage Provider : My loan provider name : The Money Source Inc. | My loan provider address : XXXX XXXX XXXX, XXXX, NY XXXX My loan provider contact number : XXXX My loan provider NMLS number : XXXX XXXX My loan provider servicing location address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CT, XXXX My loan provider servicing location NMLS number : # XXXX My loan provider servicing location address : XXXX XXXX XXXX, XXXX XXXX AZ XXXX My loan provider servicing location NMLS number : NMLS # XXXX Here are the details of my Home Mortgage : Loan number : Loan type : Conventional w/PMI - XXXX Closing date : XX/XX/XXXX Maturity date : XXXX, XXXX, XXXX Original appraised value : {$430000.00} Original loan value : {$380000.00} Current principle balance as on XX/XX/XXXX : {$280000.00} Late Payments : none throughout the term of the loan
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 information incorrect
Company: Navient Solutions, LLC. (MN)

Paid off two private loan balances in settlement. Still being reported as a past due balance to the credit beaures. I paid this off in XXXX of 2020. When I call, all they tell me is to write a letter To their credit reporting department and that they dont take calls.
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. i got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$1700.00}
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

will attach photos of the paper work that confirms the closing of my account around the months of XXXX. 

I made a few payments with this company before my billing cycle and they were reversed. This was a secured credit card that I placed XXXX $ limit. Due to me having too many reversed payments within a short period of time after me opening the card, they closed my account. They used my XXXX $ I placed on the secured credit card towards my Balance of the account. They sent my check by mail paying me {$19.00} around XX/XX/XXXX. The account was supposed to be closed. They kept my account opened and within The next billing cycle of XX/XX/XXXX I had a new balance of {$100.00}. This was a reversed payment with XXXX XXXX. This is one of the reversed payments that made the creditor close my account When I made the phone call with the gentleman to discuss the closing of my account. I asked if there was any way to keep my account open due to me wanting to work on my credit and I just got approved for the secured credit card. The gentleman told me no and he would use my XXXX $ deposit towards my balance and it came out to XXXX cents so they sent me a check around XX/XX/XXXX for {$19.00}. After I was told that I cut up my card immediately and never used the card again. There are charges on this card in the month of XX/XX/XXXX I was post a picture as well that none of them were made by me. I have charges in the state of California, XXXX OH, XXXX OH and XXXX Ohio. I do not go in any of those areas. As Im taking pictures of the monthly statements. Citi did not send me the XXXX XXXX statement as this is one of the most important statements due to my account closing before XXXX.
Consumer complaint received 2021-02-23
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: JPMORGAN CHASE & CO. (GA)

Good morning, I've filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-01-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TN)

Starting in XXXX of 2020 when I switched phone with my wife I lost the ability to authenticate my account with coinbase.com. Since then I have submitted six cases to their customer support and nothing has been done. I don't know what the motivation behind their actions or inactions are but it seems fishy.
Consumer complaint received 2020-08-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

Good Afternoon, I financed a XXXX XXXX XXXX thru XXXX which was then transferred to Ally Bank. The car was titled in Maryland, the VIN number is XXXX. The car and loan were included in a XXXX bankruptcy. After filing the bankruptcy, I was contacted by Ally bank and asked if Id like to keep the car. They offered to reaffirm a new loan balance with a new affordable payment. I accepted and paid the entire re-affirmed amount on time and in full. It has been five years since the loan has been paid in full. I actually purchased a new vehicle and also financed with Ally and paid that loan in full as well. I have been attempting to get the lien release from Ally with no success. I was transferred from one department to the next with no success. Every time I call I am told something different. In trying to escalate my request I finally talked to a manager who told me that the lien release was being mailed to me and that I would receive it in 7 to 10 days. I waited a month before calling back again. I have been going back and forth with them for almost a year now. I am now being told that there is an outstanding balance that was not reaffirmed that needs to be paid. They are telling me that I am not responsible for the balance and that they are not attempting to collect it, but that they dont have to release the title. I paid the reaffirmed amount in full and they acknowledge that. The lien should be released as I have paid the reaffirmed amount in full. Without the clear title I can not dispose of the car. It wasnt until I was attempting to trade the car in at a dealer that I realized I did not have the lien release. I dont know what I am supposed to do with the car now. I paid the amount in full that was asked of me when I reaffirmed with Ally. They said legally Im not responsible for paying it and they are not attempting to collect it yet they wont provide me with the release unless I pay it. The case number that Ally has assigned to this problem is XXXX. Additionally Ally can be reached at XXXX option 4. Thank you in advance for helping me to resolve this issue.
Consumer complaint received 2020-08-31
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)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (TX)

Due to the pandamic and XXXX a wrongful 30 day delinquent was reported on my credit report. No reminders with letters or calls were made to me. 
XXXX XXXX refunded late fee due to hardship but will not reverse 30 day late.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

We've banked with Wachovia/Wells Fargo for years. 

This is our last year. 

Wells Fargo has opened XXXX different checking and savings accounts in my name over the past 10 years - Even when we told them not to. When we asked for an escrow account, they opened up another savings account. 

The real issue here is the fees. Each account has fees taken out every month. They are literally stealing from us. Then, when we had an issue with a check deposit in a branch, they drained our account, charging us fees for every transaction that was impacted by this event. 

I'm done. We tried to close these accounts. They keep charging and charging. I do not know how to end this one, but I know they've really screwed me here.
Consumer complaint received 2020-08-31
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)

On XX/XX/2020 I purchased tickets from XXXX for {$520.00}. 

On XX/XX/2020 I submitted a dispute to Citi for the full amount of {$520.00} as the concert had been postponed without a future date yet to report. 

On XX/XX/2020 XXXX cancelled the event and stated that I would be receiving a refund. 

On XX/XX/2020 I provided Citi with the e-mails from XXXX that I should be receiving a refund. 

It has now been more than 1 month and CITI still has not credited me with the total amount of {$520.00}. 

All I am asking for is to be refunded the amount that should be refunded to resolve this issue. It is unacceptable that this has taken months to resolve.
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (CO)

MULTIPLE request to close out Checking and Investment account. At least 10 requests over the past 2 months. I have asked the Investment account be closed out, loan paid and checking account closed and all they say is they cant while racking up monthly " membership charges '' They do not answer their phone, Instant Messages or XXXX  Complaints. I want the all accounts associated with them closed and any left over money sent to me.
Consumer complaint received 2021-02-23
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. (PA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 51 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 51 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I contacted ( 2 ) collections agents Afni, Inc and XXXX who are reporting a negative account on my ( 3 ) bureau credit reports. I reviewed my XXXX credit report in XXXX and found an account that is unknown to me. I wrote a letter on XX/XX/2018 and again in XX/XX/2018 to both companies who are both reporting at the same time. I explained in my letter that I had not yet used my credit in anyway and there should be nothing reporting on my credit I requested that both companies provide me with Full validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and all corresponding local state laws. I requested validation that is competent evidence bearing my signautre showing that I had or ever had some contractual obligation to pay. Because this account was fraudulently opened I insist that these ( 2 ) collections agents remove all negative marks found on my ( 3 ) bureau credit report files from your company and the company they represent. 

XX/XX/2018 after no response at all from both the reporting collection agents I worte to the ( 3 ) reporting bureaus XXXX  ; XXXX XXXX and XXXX by certified mail and enclosed copies of the letter sent to Afni, Inc and XXXX ( see attached document ) asking for validation that the information their clients are reporting is correct and that it seems that some one used my perosnal details to open up this accounts. I requested Full Validaiton and I have not yet had any reply.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION (PA)

M & t bank closed my account on XX/XX/2020 and my check went in on XX/XX/2020. They had a creditor keep harassing me about paying the entire amount when I didnt need to.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

XX/XX/2020 : I submitted a fraud alert on my credit file. 
XX/XX/2020 : Equifax sent a letter acknowledging the action, but my name was incorrect on the letter. 
XX/XX/2020 : I called Equifax to report the error. 

They did not provide me with information on who/when the name change took place. 
They require me to file a dispute and send a copy of my drivers license and SS card. I fail to understand why Equifax does not have any responsibility to verify the accuracy of a name change from a 3rd party. How/who changed it and with what authority? I have no interest in providing Equifax with any identity documentation as they have demonstrated many times that their security is inadequate. I do not wish them to have any information about me and I certainly do not trust them with identity documents.
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)

I have reported the inaccuracies to all 3 bureaus showing it is not consistent. On XX/XX/2020 and XX/XX/2020 XXXX XXXXXXXX XXXX  reported I was late 60 days both months to Equifax . The same company reported I was 30 days late both months to XXXX and XXXX
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MO)

XX/XX/2021 synchrony bank uploaded a fraudulent letter to the cfpb stating that I did not provide proof of return I provided proof of exchange which is absolutely false. I provided a proof of their transaction that can only be generated at a cashier register XXXX a RETURN/RECEIPT has a transaction ID calls have been recorded stating that see it uploaded in systems of that returned amount. This company continues to lie and is committing more fraudulent actions by trying to cover up that my card was used after I left the store and returned those items I was charged again they have to show proof of that transaction of me purchasing it again after it was returned because I returned them. XXXX should be fired for lying and trying to deceitful actions to a customer and government company. Make them provide proof of what I sent in via faxed