davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have contacted Equifax several times over the last 5 five years advising them, I have been an victim of identity theft and several hard inquiries and items have appeared on my credit report that are unknown. I have submitted several disputes verbally, in writing and electronically. I recently sent them several documents proving my identity case. And Equifax has yet to update my account. I recently filed bankruptcy chapter XXXX due to unknown hard inquiries and items showing up on my credit report. And my chapter XXXX case discharged on XXXX XXXX, 2017. I would like to have my report corrected and updated.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, my husband made a check deposited to my business account at the Wells Fargo branch located XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. The check were payable to my business account XXXX XXXX XXXX, while the teller were busy talking to her co-worker, she deposited to the wrong account under the name XXXX XXXX XXXX. By the time my husband get home, he realized it was the wrong account that she deposited, he called and spoke to the branch manager, XXXX, she said she will take care of it. We also told her that we wrote a check to our employee, please make sure this check will not bounce. On XX/XX/XXXX, we were charged for non-sufficient fund and the check wrote to my employee were bounce. This mistake is unacceptable and it does affect my business and my company reputation
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (RI)

I made a purchase for plane tickets in   XX/XX/XXXX    . The trip needed to be changed due to terrorist activity, which is a covered reason under the terms and conditions of my credit card.  Barclaycard  referred me to  XX/XX/XXXX . When speaking to    XX/XX/XXXX they told me that prior to   XX/XX/XXXX     they did not handle claims against this card, so they referred me to  XXXX  : A  XXXX   XXXX . I submitted all necessary documents to  XXXX  who then denied the claim based on the reason that "  Terrorist Action  is not covered ''. I called them and sent them screenshots from the  Barclay Card  website showing them that indeed  Terrorist Action  is listed as a covered reason. The case was reopened, and after weeks of back and forth communication,  XXXX  sent me back to Barclaycard as they said i needed to put the claim through them. When speaking to  XXXX  again, i was told that another company needed to be involved but they couldint not get me in touch with them, I had to go back to  XXXX . I have not contacted  XXXX  again but will be and will also be closing my account with  XXXX . The runaround i am receiving is terrible business and deserves to be escalated to all levels.  <P/> I have all of the necessary documentation detailing the above, including written correspondence with  XXXX , screenshots from the  XXXX  website, all necessary receipts etc. I can provide if necessary.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MT)

I had an identity theft of over 8K, which left me financially crippled for almost 2 months. I reached out to my creditors and some of them were very helpful and some of them were NOT. Synchrony Bank closed 2 of my accounts, synficantly lowering my credit score. One of which was completely paid in full with a {$4000.00} limit. I ca n't believe they can get away with this. As if my credit had n't taken enough of a hit when I was sent to collection for an enormous debt that was n't even mine!!!
Consumer complaint received 2022-10-03
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: EGL US, LLC (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I ave the right to privacy.

15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666b states 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 2017-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I opened a Wells Fargo checking account on XX/XX/XXXX as part of a promotion that would provide a {$250.00} bonus after opening a new checking account and setting up a direct deposit amount of {$500.00} or more within 60 days of account opening. All terms of this offer were met and completed on XX/XX/XXXX. The bonus was supposed to be issued within 45 days of meeting the terms of this offer. It has now exceeded 45 days. The bank is now claiming that I was not targeted for this offer on their internal system. <P/>I have attached the screenshot from Wells Fargo describing the offer as well as a copy of my checking account application email confirming my enrollment in the offer.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (DC)

I was erroneously charged twice by XXXX on XXXX XXXX. XXXX was a {$15.00} charge, and the other was a {$16.00} hold. 

The two charges brought my account into overdraft, incurring a {$36.00} overdraft fee from SunTrust bank. I called XXXX and had the issue corrected. They said they would refund me the charges and that it would take 2-3 business days. 

I then called Suntrust to notify them of what happened. I told them the two XXXX charges were a mistake and being refunded, and asked to be refunded the {$36.00} overcharge fee. They refused, but did say that once the XXXX charges are fully refunded, then they will refund the {$36.00} overdraft fee. 

On the very next day, however, XXXX XXXX, SunTrust hit me with a SECOND overdraft fee, still related to the erroneous XXXX charges. So despite the fact that I called and told them the XXXX charges were in error, they used them as the basis to hit me with two separate overdraft fees, totaling {$72.00} XXXX all because of two XXXX charges does in error worth {$31.00} XXXX. 

Representatives at SunTrust have been completely unhelpful to me addressing this. Instead of working with me to prevent the overdraft fees once I informed them the charges were in error, they instead kept hitting me with the fees. 

They claimed the fees are applied automatically by a computer, and that for a human to override them and credit me the {$36.00} overdraft fee, I would have to await a phone call from a supervisor which could take 3 business days. 

Having {$72.00} stolen from your account by your banks due to a {$30.00} mistake that is in the process of being refunded, created an exceptional hardship in my life. And that lack of responsiveness by the bank made the problem much worse.
Consumer complaint received 2017-07-10
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. (MN)

OnXX/XX/XXXX I sent a letter to Equifax asking that they investigate some questionable inquiries on my report. I asked for XXXX XXXX compliant ( required per their OWN definition of their XXXX XXXX ) documented results that the investigation had actually taken place - as they failed to even do the investigation previously. <P/>On XX/XX/XXXX I opened my mail and received 2 letters from Equifax both dated XX/XX/XXXX. <P/>The first was a stall letter saying that inquiries are a factual record of a credit application ( NOTHING to do with what I asked or requested and was nonsense ). <P/>The second was a set of results saying the SAME THING! Worse yet? They ADMIT that investigation DID NOT TAKE PLACE. <P/>This is an intentional violation of my rights under the FCRA. <P/>I called today ( XX/XX/XXXX ) at XXXX. I was on hold for 53 minutes and told by their rep " XXXX '' that it is impossible to investigate inquiries, I was told by some foreign person that she did n't understand inquiries ( what? ), and I was transferred to a HOSTILE " supervisor '' who would only identify herself as XXXX who said she would n't do anything. <P/>To each of these people I explained what I had asked in my letter and what the responses were. Each of them gave me nonsensical silly answers. I explained a knowledge of my rights and that I work for a LAW FIRM specializing in FCRA and Credit Law - and was told by " XXXX '' that she would no longer talk to me. <P/>ALL I WANTED is my BASIC rights. EQUIFAX is a scam company clearly who has no problem doing UNETHICAL and ILLEGAL things to consumers. <P/>Best part? I told them that I would contact the CFPB. They laughed and said " the CFPB is useless! '' So, please do n't be useless.
Consumer complaint received 2017-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NJ)

Account was opened in XX/XX/XXXX with a promo code that was for {$250.00} once a direct deposit was initiated. I inquired onXX/XX/XXXX about the posting of the {$250.00} and was informed tat the code I used was not valid for the account i opened. Supposedly the account I opened had a different code. The account opening process was done all online and the banks system accepted the promo code with the account I opened.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX, I saw an online offer for a XXXX XXXX XXXX checking account where you would get {$200.00} for opening an account and having 3 direct deposits post to the account. I was interested and followed the steps and successfully opened the account. XXXX XXXX asked for an initial deposit of at least {$25.00} and I provided my routing and account numbers for my Chase checking account to send them a {$30.00} opening deposit. On XXXX XXXX, the {$30.00} left my Chase checking account as a withdrawal from XXXX XXXX funding. 


On XXXX XXXX, I realized I have something coming up where I would n't be able to transfer my direct deposit and fulfill the offer so I decided to close the account. I went to my local branch to close my account and get my initial deposit back but was told it was never received. I showed the branch manager the line item on my Chase account for the funding withdrawal on XXXX XXXX but she was told they had never received it and that I would need to call Chase as it was on their end, not XXXX XXXX. They let me close the account and I was told the initial deposit would come back to my Chase account eventually. I called Chase and XXXX XXXX on the XXXX, XXXX and XXXX and have been bounced back and forth between companies blaming each other for the missing funds. This is n't a large amount of money but I do not want to forget about it and then just not ever get the money back. If I could get help with this it would be great. Thanks!
Consumer complaint received 2017-11-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (VA)

In XXXX 2017 we started the process to refinance with our existing mortgage company, SunTrust. After four months and us providing every piece of paper asked for they still have not signed off on the loan and have given us no explanation as to why we are being denied. Our loan processor was great and really tried working with the underwriters and was a confused as we are about why we have n't been approved for a loan we more than qualify for. We have nothing in writing and everything we have been asked to return to them we have sent to them in a very timely manner.
Consumer complaint received 2023-02-13
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (FL)

I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, Ditech, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. Ditech then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Since atleast XX/XX/XXXX, I have attempted to make a payment through various methods on Citibank 's website or over the phone and was not able to. The system would refuse to recognize my password and would not issue me a new one, nor was I able to make payments over the phone. I believe this is a tactic by the company to assess profitable fees for their company. <P/>The latest issue started aroundXX/XX/XXXX when company had sent me a new card card, causing problems with both my log in and phone support. On or around XX/XX/XXXX, When I would try to log into their website it would erroneously say the card was not activated, and direct me to do so. It would direct me to another website to register the card, which would appear as registered. On XX/XX/XXXX, I attempted to call Citibank various times to fix this issue and make a payment. In order to verify my account, they needed to send me a text to a phone number they had on file. Unfortunately the number they had on file was not one I had provided to them nor one I recognized. During this lapse, I was assessed a late fee which the company will not credit back to my account. This was not the first time this has happened with the company due to log in and phone support issues. over the last year, they have assessed me five late fees totaling {$170.00}. After my forth call to the customer support onXX/XX/XXXX, I was finally able to speak to someone who was able to help and I was finally able to make a payment. I requested the company waive the late fee of {$35.00} they assessed to my account, since the only reason I was not able to make a payment was because of errors with both their online system and their phone support. The company has declined the late fee waiver. Although I am contractually obliged to pay the late fee, the company must be aware of this issue, and I 'm concerned this may be a tactic they use to assess more late fees on unsuspecting card card holders. I would like for the company to refund me the late fee and give me assurances that they are working to address this log in and phone support issue.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (KS)

I received a call from XXXX. If you call this number the message states you are calling credit management. I do not know what this call could be regarding. The person that called me, the person that answered when I called back, and the manager refused to identity who they were calling on behalf of unless I gave them my personal information. I do n't know if this is a scam what the call was regarding. When I refused to provide my personal information they would disclose nothing to me.
Consumer complaint received 2017-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Navient claims there is a debt owed on the account that is due solely because of an unsubstantiated variable interest rate. When asked to review the account, Navient claimed they had the Ombudsman department do a full audit on the account, with calls regarding the alleged delinquency stopped until the resolution of the issue ; however, these action were never taken. Navient continued to call 20+ times ( excessive and abusive ) while the " investigation '' was underway. When asked to substantiate the conclusion of the report, Navient claimed there was no documentation to provide and the account was still delinquent. All requests to discuss with their Ombudsman department were denied and I was, instead redirected to a number of other departments. I have yet to receive answers or documentation from Navient, supporting their claim of an investigation regarding a past due balance.
Consumer complaint received 2017-11-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (LA)

I currently have 3 private student loans serviced by Sallie Mae.Which means I am making 3 monthly payments ( {$250.00}, {$190.00}, and {$230.00} ) totally {$680.00}. It is completely insane that ( 1 ) I am making 3 monthly payments to the same company, ( 2 ) the total monthly payment greater than mortgage, and ( 3 ) the monthly payment amount tripled without prior notification. In an effort to better manage my finances and lower the total monthly payment amount, as well as number of monthly payment, I have contacted Sallie Mae several times requesting consolidation of my student loans. Each request I have made for student loan consolidation have been denied by Sallie Mae. It is truly a struggle for me to make the of {$680.00} payment to Sallie Mae. I know I am responsible for repayment of the loans and I am making valiant effort to repay them, so why is Sallie Mae not willing to work with me and consolidate my loans into one, lower monthly payment?
Consumer complaint received 2023-03-01
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. (FL)

XXXX XXXX. Amount : {$35000.00}. XX/XX/2022. I reached out to the company to have them correct the issue but it was to no avail. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 ( a ) States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1666 ( b ) states billing error.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (WA)

XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, WA XXXX  XX/XX/XXXXBarclay Card- Executive Office XXXX XXXX XXXX XXXX , DE XXXX Greetings : In early XX/XX/XXXX, I signed a contract with a company called XXXX to purchase equipment that was difficult to obtain. They would add money to my Barclay Card visa account, and I could use that money to make purchases and send them away. On that basis, I agreed to make the purchases for XXXX and send them off. I was given a XXXX XXXX business account number of XXXX with the name XXXX. From that account, money was added to my Barclay Card in the amount of {$20000.00} on XX/XX/XXXXand I checked online and was assured the money was there. I then made purchases and sent them off. Money in the amount of {$16000.00} was added on XX/XX/XXXXand again I made purchases and sent them off. On XX/XX/XXXX, the first two of these payments were reversed, leaving me stuck. I feared that the second would be reversed and called Barclay Card asking for them not to let that happen, but even so it was reversed posting XX/XX/XXXX
I believe that Barclay Card has some responsibility here. I know that checks that are cashed then bounce later, but I did not know that money could be transferred online from a valid account with sufficient funds and then reversed many days later without a court action. Ill bet this happens many, many times. I believe this makes both XXXX XXXX and Barclay complicit in fraud, as I believe that this been happening in this way for a long time. I had someone check and literally hundreds of packages are sent daily to the address I shipped packages to, and I believe all of them are shipped by people like myself who are paid to a Barclay account that allows the account to stop payment many days later, thus helping fraud happen. Had I known that it was possible for this payment from a XXXX XXXX account to a Barclay account to be stopped in this way, I would not have made and sent those purchases.
It should not be possible for someone to reverse a payment after many days simply by pushing a button. Commerce in the US would stop! Anyone stopping a payment should need to get a court order to do so. I think Barclay should have some kind of system set up to investigate when this happens often. By allowing many, many of these kinds of reversals without a court action, XXXX XXXX and Barclay are complicit in allowing this kind of fraud to happen.