davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

on XX/XX/XXXX, citibank locked down my checking account ( XXXX ) with no explanation. my case i.d . is XXXX XXXX. 

XX/XX/XXXX, i was referred to citibank employee, XXXX XXXX, who said they needed my employment information from 30 years ago (!? ). that was sent. then she referred me to XXXX XXXX at XXXX XXXX  never responded to repeated calls. 

XX/XX/XXXX, my citibank credit bank 's auto payment from my checking account was cancelled. this credit card pays my father 's recurring XXXX premium. at this moment, two physicians are trying to prevent the XXXX XXXX XXXX XXXX XXXX XXXX. my father 's credit card also pays for his prescription drugs which average {$1500.00} a month and are necessary to keep him living. 

XX/XX/XXXX, i contacted XXXX XXXX again and told her i lived off my social security and IRA with some gifted money from my father at XXXX  she told me i was suspected of money laundering because i transferred several XXXX XXXX  over several months to my checking account from XXXX  XXXX. i make similar transfers to XXXX XXXX XXXX and they have never locked down my account. a loyal customer for 30+ years without a blemish and i am accused of being a criminal. 

last year, i received a {$100000.00} home equity loan from citibank after filling out mountains of information. i repaid the loan after one year. my XXXX old father lives in his own house and requires a 24/7 salaried caregiver. his annual expenses approximate {$100000.00}, a third of which is medical. 

my father has over {$1.00} XXXX managed by citibank in their equity fund which he began 20+ years ago. the checking account amount is currently 1 % of his citibank stock holdings. would citibank like us to move this equity fund money elsewhere? 

it has become obvious that citibank divisions do not communicate with each other. i told XXXX XXXX about my home equity loan but her checking account division can not contact them!? they can look at my online citibank accounts and see that i have a {$100000.00} line of credit for future use. citibank locks down my five-figure checking account but keeps open my six-figure line of credit? 

if whoever looked at our credit card charges, they would see ordinary purchases plus a huge pharmacy bill. 

does any of the above fit the pattern of a money launderer? or does this fit the pattern of a XXXX old social security recipient caring for his XXXX XXXX XXXX father? 

citibank should get on its knees every night and thank god for XXXX XXXX XXXXXXXX. or citibank would be the worst bank in the world.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose
Consumer complaint received 2021-03-11
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (IN)

Good afternoon, Ive been a loyal and an on time paying customer for at-least 6 years with this company! My overall credit has always been excellent and Ive never had a negative remark! After not using this card for almost a year, I woke up over one weekend to a surprise notification from my credit monitoring app stating I had a reported delinquency from this company for a 30 day delinquency. As you can imagine, this came as a total surprise to me as I received no communication from this creditor and without warning about it before it reported to the credit bureaus. Come to find out, they charged me an annual fee and even after 30 days of delinquency, I didnt received a single call, voicemail, email to warn me of this delinquency and provide an ability for me to avoid a credit reporting. This all happened while this company bombarded me with unsolicited advertisements and promotional emails. Once I realized this, I called and paid off the entire balance of {$41.00} but to my dismay the damage was done by losing almost 100 points on my credit score! Im really hoping you guys can do the right thing here and remove the unjust negative credit reporting especially during the state of affairs with COVID and lack of proper warning/communication. Thank you in advance.
Consumer complaint received 2020-09-27
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 have sent certified letter to the credit bureau stating unknown accounts on my report and have not heard anything back. It is against the FRCA and if the information is not corrected I will hire an attorney. XXXX account is not an account that I ever had and they sold it to a collection called XXXX XXXX that is on my credit report. Remove these accounts I have sent a copy of my police report, id, and copy of utility bill and still haven't heard anything back.
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent several letters to Equifax disputing the account from XXXX card and i also submitted a dispute troughs the CFPB but in the answer they said is : that the company verified the that information is true and correct, which i know for a fact that the information is not correct because they did nothing besides updated the payment history reporting the charge-off over and over again after the account has been closed and then reporting on time payments once again and also the date of last activity still does not match with XXXX or XXXX date of last activity This account is a complete violation of the FAIR CREDIT REPORTING ACT Remove this account from my credit report
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (IL)

HAF PROGRAM FROM ILLINOIS SAYS THEY CONTACTED MORTGAGE SERVICER FOR RESPONSE OF PAST DUE AMOUNT. NO RESPONSE I APPLIED FOR THIS PROGRAM XX/XX/2022 IM TRYING TO AVOID LOAN MODIFICATION AND THIS PROGRAM HAVENT HELPED ME YET. IM SCARED OF MY HOUSE GOING INTO FORECLOSURE. MY MORTGAGE SERVICER IS GUARANTEED RATE & NOW GOING TO XXXX XX/XX/2022 XXXX
Consumer complaint received 2020-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (PA)

In a 5 year period our identity was stolen along with our checking reported to police an credit bureaus they still have on our reports an we are unable to buy a house as a result also we paid off a XXXX loan an it doesnt show on credit
Consumer complaint received 2021-07-15
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: CITIBANK, N.A. (HI)

Accounts where open without my knowledge, which let me be responsible for paying back, I have been disputing these items for 2 years now I have send FTC reports, police reports but they have yet to removed. Also a few companies removed it from the bureaus for a few months and then put back on which is a violation of my rights. Accounts are closed but are revolving on my reports. 

XXXX XX/XX/XXXX ( {$940.00} ) XX/XX/XXXX {$1200.00} Macys XX/XX/XXXX XXXX
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I went in to a chase bank and opened an account, Everything was fine, I waited a week for my card to arrive in the mail and on XXXX XXXX I deposited my first check which was given to me by my employer. Chase decided to put my funds on hold and told me that it will not be available until XX/XX/2021. I called in multiple times to have my funds be made available but they told me that they needed verification from my employers bank so I spoke to my employer and he informed that the funds have already been withdrawn from his account however Chase told me that XXXX  XXXX XXXX does not allow verification over the phone and that my funds will automatically be released on XX/XX/XXXX. I received a letter in the mail on XX/XX/2021 stating that chase has decided to close my bank accounts without any reason at all on XXXX XXXX so I called them and they told me that they can not provide me with a reason and that this is decision that was made after careful consideration and that I will not be able to open up a bank account with chase. they refuse to release my funds so that I can withdraw my money. Now I have to wait another 2 weeks to receive a check in the mail after my funds become available. This has been a nightmare! I have never in my life experienced anything like this. I ' am very disappointed on how they handled me as a customer this truly has been the worse experience I have ever had.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

On XXXX XXXX, I applied for my annual credit reports via phone number XXXX XXXX. I have been doing this for over ten years.I received my credit reports from XXXX  and XXXX. I did not receive a credit report from Equifax. Equifax sent me a letter stating that they were unable to locate a credit file in their database with the identification I provided. Equifax stated that I needed to send them documentation in the mail. I wrote to Equifax and stated that I did not want to send personal information through the mail. I also stated in my letter that XXXX  and XXXX  used the same information I provided Equifax and sent my credit reports. To date, I have not heard from Equifax since mailing my letter to them on XX/XX/2021.
Consumer complaint received 2021-07-15
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. (MI)

XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$27000.00} Account status - Open Date opened - XXXX XXXX  XXXX Account type - Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXX Account Info Account number - XXXX Balance - {$20000.00} Account status - Open Date opened - XXXX  XXXX, XXXX Account type -Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXX Account Info Account number - XXXX Balance - {$24000.00} Account status - Open Date opened - XXXX XXXX XXXXXXXX Account type -Auto Loan This is a fraudulently opened account XXXX Account Info Account number - XXXX Balance - {$8400.00} Account status - closed Date opened - XX/XX/XXXX Account type - charge This is a fraudulently opened account XXXX XXXX XXXX XXXX  / XXXXXXXX XXXX XXXX Account Info Account number - XXXX Balance - {$680.00} Account status - closed Date opened - XX/XX/XXXX Account type - collection
Consumer complaint received 2021-07-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (TN)

I have a past due student loan account with Sallie Mae and I am receiving numerous phone calls per day. I understand the state of Tennessee allows, I believe, up to 8 phone calls per day, however the FDCPA does not allow for harassment. I am a night-shift XXXX  and they call all throughout the day while I am sleeping, interrupting my continuity and affecting me mentally. I have to keep my phone on ring because I am also on-call for emergencies. Today at XXXX XXXX  CST I received one phone call and then 7 minutes later at XXXX XXXX  CST I received a second phone call. Now awake, I answered and asked the caller, XXXX XXXX, if she is aware that she called me 7 minutes apart, back to back. She stated yes. I asked her why is she calling me back to back 7 minutes apart and she stated because your account is 49 days past due. I believe this rises to the bar of harassment and repetitive calls with a specific intent. As soon as she got off the phone with me, she called my grandmother who is listed as a reference. Nothing illegal or untoward about that, but it establishes a pervasive timeline.
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

It is too late, ,they went to court already,,, i tried to make it but fell down after finally finding a parking space that was for XXXX on street rather than upstairs in parking lot.

i got the thing delivered in mail that i have 30 days if after the sheriff will come and move me out.

it would help if they gave me 60 - 90 days as i have to find a basement or first floor and someone to move me. i stopped my lawyer after house was going to auction.

I have called and emailed Wells Fargo every day and talked to Foreclosure specialist XXXX XXXX who you have talked too and nothing happened, Thanks for caring. I do not know what to do!!!!! Maybe i will have have another XXXX XXXX and they will be happy cause they will get the house sooner. Don't worry i would never kill myself!!! i am the daughter of XXXX XXXX XXXX ( deceased )
Consumer complaint received 2023-03-26
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. (NC)

I submitted a dispute on XX/XX/2023 pertaining to files XXXX XXXX and XXXX XXXX XXXX on my credit report. I did not receive the complete results back until XXXX XX/XX/2023. The confirmation number for the dispute is XXXX. The Equifax dispute page verifies the submission and completion datesXXXX XXXX XXXX  and XXXX XXXX  both came back with Equifax deciding to modify and update each record on my report. This violates FCRA because both accounts were already verified as accurate previously. They sent the documents I provided of inaccuracies being reported on my file supporting my dispute to the credit and in return allowed the creditor to submit updates/modifications based on my documentation proving that the creditor has knowingly reported and verified false/inaccurate data. Equifax is supposed to enforce the FCRA not cater to the creditors. The creditors by law must report truthful and accurate data to the bureaus. Furthermore, the fact that 30 days had passed meant the record must be removed from my file again per FCRA. This is a glaring example of how Equifax violates the law and cares nothing about ethics. Creditors put money in their pockets, not people like me, so that is who they favor. So, I had to submit yet another dispute on both items that are supposedly being investigated. I have provided the documents below to support this complaint. I am not providing documents for them to give to creditors to further their collusion.
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

I have filed for a modification with Fay Servicing. They denied saying my investor only allows one modification-but they will not give me a copy of investors rules. They also said i dont make enough for a repayment which is incorrect. I am 80 days behind and I told them I could pay 2 months on XX/XX/XXXX and 2 months on XX/XX/XXXX. You would think they could work with us and in the meantime on XX/XX/XXXX they took one payment and every month i have paid one payment until I figured this out. I have consistently showed an effort. The only thing they offered is a deed-in-lieu which i am denying because I can get caught up. I appealed the deed in lieu and nothing changed. and my last resort will be bankruptcy.This is a terrible servicer and if I file bankruptcy, they will wait 5 years for the money. This makes no sense. I
Consumer complaint received 2022-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-01-16
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. (MS)

I just. Checked my free annual credit report and found that I have 2 active collections that are not mine. They are fron XX/XX/2018 and XX/XX/2018 from A Southeastern medical company. I have no idea who or where this is and did not receive any medical treatment during those months at all from anyone anywhere.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (IL)

It all started three months ago when I had filed a claim with PayPal for a purchase I never received from XXXX XXXX. Of course, because I never received my item I figured PayPal would help me recover my money with the claim as it wasnt my fault and PayPal reassured me I would receive my money as it wasnt my fault. After three months I got my final answer and told me they would not cover the chargeback as they claimed I was a reseller. Not to mention through those three months they had very bad community on and never kept me up to date. They never gave me evidence of me being a reseller. I bought one pair of shoe size XXXX for {$150.00}. I was excited when I bought it as it was a personal pair. Its ridiculous what PayPal is trying to do and claim everyone is a reseller if they make a claim from XXXXXXXX XXXX so they wont be liable to repay the customer and a easy way out for them. I contacted them again after receiving the final answer and asked what can I provide to prove Im not a reseller and they never answered and completely ignored my question. I am not the only person having the same problem as thousands of people are out of so much money. Even the FBI is now involved with the XXXX XXXX situations and yet PayPal wants to side with XXXX XXXX and not repay its customers.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I opened up a business checking account at Wells Fargo in branch with a business banker. There was a promotional offer for a {$500.00} bonus after meeting a few requirements. These requirements included depositing at least {$2000.00} within 10 days of opening the account, having a minimum {$2000.00} balance on day 60 after opening the account, and posting 5 transactions by day 60. The banker gave me a statement showing that the new account was opened with the promotional offer attached, and the minimum {$2000.00} was transfered into the account on XX/XX/XXXX. I met all the requirements on day 60 ( XX/XX/XXXX ) and then waited for the {$500.00} bonus to post to my account. After several days, I messaged Wells Fargo inquiring about the bonus, and they replied that it will post within 30 days after meeting the requirements, which is correct per their terms in the offer and should have been executed by XX/XX/XXXX. I then inquired again, and they replied back that it will now post within 45 days ( XX/XX/XXXX ) from meeting the requirements, which is already against their own terms & conditions. On XX/XX/XXXX, I went into the Wells Fargo branch and met with the same banker I opened the account with. He went through my transaction history and confirmed that I met all the requirements and then spoke on the phone with the back office where they stated that my initial deposit was invalid. The banker then proceeded to escalate the issue and said that he would get back to me in a few days. I also then inquired Wells Fargo through their online system, and their online customer service was now saying that the account was never opened with the promotional offer. I have a paper statement showing that the account was indeed opened with the promotional offer, and I also inquired with my banker again, and he confirmed too that the account was opened properly. Messaging with other representatives, they were all coming up with various different and contradicting reasons on why the bonus had not posted and Wells Fargo seems to be dragging their feet on the issue. After day 45 from meeting the requirements, the {$500.00} bonus still has not posted, and I feel incredibly deceived by Wells Fargo.