davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I am a retired person living in the XXXX now for 7 years. Citibank has both my XXXX, California and XXXX, XXXX residence address. I have filed XXXX complaints against Citi within the last few months. I have over {$70000.00} cash deposited with Citi. I have been a Citi " Gold Card Customer '' for about 20 years. 
PERSONAL BACKGROUND INFO : I am almost XXXX XXXX XXXX. My wife and I live off of my Soc. Sec. direct deposit to my Citi XXXX XXXX Acct. However, since our cost of living is higher than the XXXX Sec deposit, it is usually necessary for me to transfer from {$500.00} to {$1000.00} per month from our regular checking acct ( ending in XXXX ) to the XXXX XXXX acct, and then withdraw the total via my citi debit card. We also had 2 Citi Credit cards for larger and online travel and hotel expenses. 
In late XXXX, I came down with XXXX induced XXXX. I was not admitted to the Hospital... .because Citi had, without any notice to us, closed both our Citi Credit Cards . Here in the XXXX, you pay when you are admitted. Nor could I buy the buy the expensive medicines I needed ... because Citi had BLOCKED my online access to my accounts. 
So my wife and I were ordered by the local government to " quarantine at home ''. WE could not leave our house by gov order. No one was allowed to visit us. They put yellow crime scene tape around our property so everyone in the Subdivision would know we were off limits.We ran out of food and drinking water and money because my online access was still blocked. 
On XX/XX/XXXX, Citi sent me a letter of apology and stated that they had fully restored my access to my online accts. THAT WAS A LIE. I HAVE TRIED 4 TIMES TO ON ONLINE TO GET MONEY. ALL ACCTS BLOCKED. TODAY, THEIR 'chat '' SERVICE KEPT ME ON HOLD FOR 27 MINUTES, THEN OFFERED NO HELP. 
I nearly died from the XXXX. I am somewhat better now, but still under quarantine. We are reduced to begging food from the neighbors, ( can not order online delivery because no credit cards, can not pAY CASH BECAUSE MY ACCTS ARE BLOCKED. ALL THE WHILE, Citi assures me in writing that ACCESS has been fully restored. 
I NEED MEDICINE, I NEED FOOD, I NEED ACCESS TO MY MONEY... But all I get from my Bank are written lies about how sorry they are for screwing me over and assuring me that the accts are fully accessible. What a pile of cow dung. I may die before they let me get access to my funds///
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

On XX/XX/XXXX, I received a notice from XXXX XXXX asking if I had closed my Discover credit card account. Since my daughter was graduating from the XXXX XXXX XX/XX/XXXX to XXXX, I logged in to my Discover account online and everything appeared fine. Today, I decided to call Discover to make sure that everything is okay. The representative that I spoke with confirmed that my account was indeed closed and that a letter was mailed to me on XX/XX/XXXX asking me to do something to avoid closure of my account. I never received this letter. When I asked how this can be resolved, I was told that I needed to reapply for the card. 

1. Why didn't Discover send an email and/or text to follow-up? 
2. Why am I still able to log into my account which appears fully active and states nowhere that it is closed? 
XXXX. Why should I have to reapply for a card and put a hard inquiry on my credit score for poor customer service? 

I have this card for my daughter to use in cases of emergency. I am not happy and my account is in excellent standing with Discover.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (AZ)

I've been a victim of identity theft and I'm suffering from punitive damages. I've mailed letters to all three bureaus and the companies but and still haven't been removed. All the accounts listed are fraudulent and need to be removed! 

XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$29000.00}
Consumer complaint received 2022-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

On XX/XX/XXXX FEDLOAN added a total of {$650.00} in " UNPAID INTEREST '' to my DIRECT SUB CONSOLIDATION LOAN ( {$350.00} ) and my DIRECT UNSUB CONSOLIDATION LOAN ( {$300.00} ). 


The above Federal Loans are under the XXXX XXXX XXXX XXXX pause that is in effect until XX/XX/XXXX and are mandated to not be accruing interest. 

FEDLOAN states they have no knowledge " why '' the interest is added to my account. They can not provide a reason or accounting for adding {$650.00} to my account.

I consolidated to FEDLOAN on XX/XX/XXXX per the XXXX waiver after paying my loans for almost 30 years total. I was hopeful that after decades and decades of mishandling my loans the XXXX waiver would be the end to my 30 year nightmare of paying for college. Now, it's a new scam - No PSLF and a bigger balance than I started with pre-COVID pause. 

Please help me. I have attached the FEDLOAN Consolidation Letter dated and my account from yesterday showing the {$650.00} " unpaid interest '' added to my balance. 

Thank you
Consumer complaint received 2022-06-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (TX)

Long time Citibank customer. Citibank uses service called XXXX. I was a victim of a fraud scheme thru XXXX for {$900.00}. When I realized was a fraud/scam issue, I immediately called Citibank for assistance and to stop the {$900.00} charge which showed as " pending '' when I accessed my account online. 

After being put on hold for 53 minutes, Citi disconnected my line. I had to call back and start the whole process over again. Finally transferred to the right department only to be told that since this was a XXXX payment, Citi would not cancel the payment, so I'm now out {$900.00}. 

Again, the XXXX service was NOT my choice, but the choice that Citibank established on my account. Now being told Citi has no responsibility.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is consistently and intentionally furnishing inaccurate and incorrect information to the consumer reporting agencies against me. I began to notice the inaccurate reporting in XX/XX/2022. I submitted disputes to all three credit reporting agencies. It is now XX/XX/2022 and I am tired of the aggravated identity theft, invasion of privacy and the hostile nature of which I am being treated. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The inaccurate information reporting on my consumer reports include XXXX XXXX XXXX reporting the following inaccuracies : Incorrect account numbers, inaccurate account types, differences in account detail/type, date last active was different, differences in date last reported, comments differed, differences in balance, ect. 

This is out of compliance pursuant to 15 U.S.Code 1681e I have proof of intentional and inaccurate reporting MULTIPLE times a month. This is harassment, and abuse. XXXX XXXX XXXX is causing me tremendous financial harm, I have documented proof of inaccurate reporting across Equifax, XXXX and XXXX. I have submitted the following complaints against Prestige : CFPB complaints ( XXXX ), XXXX  Complaints, I have submitted Attorney General complaints for both Texas and Utah. XXXX XXXX XXXX continues to violate my consumer rights with willful noncompliance which is a violation pursuant to 15 U.S.Code 1681n ( a ) ( 1 ) ( a ). 
These are violations of my consumer rights.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my livelihood.
Consumer complaint received 2019-04-18
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX and DEPT OF ED/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-17
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: EQUIFAX, INC. (CA)

two student loans are reporting under my name with out my knowledge, i have never applied to nay student loans, these inaccuracies equifax is the only one that is reporting, i have provided police report and all the other necessary documents to equifax and they still were not able to help me out. 
please you are my last hope this inaccurate student loans are screwing my credit and can not apply to buy a car that i need. 
appreciate
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I have been working with my loan servicer Mr. Cooper regarding my escrow account. After a tax disbursement I called and spoke with a representative in early XX/XX/2021 and requested and escrow analysis. I received estimated information such as the shortage amount and the new payment amount. I was advised to make the shortage payment before the analysis would be applied to avoid delays in adjusting the payment after the shortage was paid. I prepaid the shortage amount, however when I called back in and spoke with XXXX from Arizona, they refused to provide the estimated escrow analysis information. XXXX stated that they submitted a request for an analysis to be performed, but would not run the estimated analysis and provide me the information. I was seeking confirmation that the shortage amount I prepaid was correct, and to know the upcoming payment amount. I advised I was aware the information would be estimations only, yet was still denied access to this information. I used Mr. Cooper 's online chat to speak with XXXX from Texas. XXXX was able to perform the escrow analysis estimation, and confirmed that the shortage had been paid in full, yet refused to provide the new payment estimation. When I advised that I was aware the amount would be an estimate, the chat was disconnected. 

An estimated escrow analysis allows consumers to make informed decisions and to plan financially. Refusal to provide this information ( information that had been previously provided by another representative ) can be harmful to the consumer. I have now made an additional escrow payment with no confirmation that the amount was correct. 

Of the 3 representatives I communicated with, 2 refused to provide this information, and 1 told me the information was not available to them. This is not truthful and intentionally deceptive.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Disputes initiated XX/XX/2019 USPS Certified Mail Credit bureaus continue to report verified and meets FCRA requirements ( not correct ) Response from Collection Agency insufficient to validate XX/XX/2019 did not produce valid documentation. 
2nd Validation request sent XX/XX/2019 USPS Certified Mail Continued incorrect reporting to credit bureaus Violates Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), Fair Credit Reporting Act, Defamation of Character
Consumer complaint received 2022-06-14
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. (CA)

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

15 U.S.C 1681 Section 602 A. States I have to 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.
Consumer complaint received 2022-06-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 a account without my written instructions 15 U.S.C S 1681 E A. States every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 605 s 1681c to limit the furnishing pf consumer reports to the purposes listed under section 604 ( s 1681b ) collection agencies also have violated my rights by contacting me during my working hours and call me from different numbers. attached will be proof of said violations. 

All 3 credit bureaus have incorrect my name, birthdate and address. I have send certified mail back in XX/XX/XXXX with updated and correct spelling of my name, my correct birthdate and my correct address. Also, sent was my copy of Social Security card, my updated license with my new address. I asked for an investigation none of the 3 reporting agencies replied nor updated my personal information.
Consumer complaint received 2022-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (IL)

Received letter from GC services stating alleged debt. I had until XXXX to respond to letter. I responded XXXX, it was received and uploaded in my chart XXXX. Called days after to confirm receipt. Spoke with a young lady who stated that the dispute was open and the collection activity would be put in a hold status until client gets back to them. XX/XX/22, the collection posted to all 3 credit bureaus. Called XXXX, spoke with a young man who stated that it was the companys fault and it should be fixed shortly. Waited a couple days and called back. I was told that although i disputed debt, it would still post to my credit report and keep posting until noted otherwise. Spoke with XXXX XXXX, a supervisor, who stated that they were holding up their end of the bargain. He stated that although I responded in time, it was normal business practice to report to credit bureaus. I asked how long will this take. As long as it takes XXXX to send proof. Horrible company!
Consumer complaint received 2022-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

We have been trying to get a Loan forbearance, to wave loan payments for 4 months to move those payments to the end of the loan. W we are able to pay escrow payments of {$700.00} a month for 4 months. My wife has been injured at home and she is not able to work for 4 months. We put in an application for the loan forbearance loan Care keeps requesting copies of documents they have or have miss read the documents. We have not missed payments in the past. It seems they are dragging this out so they can for close on us we have letters from Loan stating they are ready. We are now almost two payments behind. We feel that they are not trying to work with us from their own rules we fit in for a Loan Forbearance.
Consumer complaint received 2022-04-25
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. (WA)

I was overcharged twice by XXXX XXXX XXXX XXXXXXXX during my stay from XX/XX/2022 through XX/XX/2022. I was prepaying one week in advance. The hotel double-charged me on : XX/XX/2022 for {$590.00} and on XX/XX/2022 for {$550.00}. I was laid off my job on XX/XX/2022, so I left the hotel on XXXX XXXX. They should have refunded me for the {$550.00} as I didn't stay for that week ( prepaid ) and there was a second debit from my credit card on XX/XX/2022. 
I sent a detailed schedule to Citibank that demonstrated the dates I was at the hotel and corresponding payment from my credit card and one payment from my debit card. The schedule clearly shows the two overcharges. Citibank temporarily reversed the charges in XXXX, but last week they returned the charges. I was clearly overcharged when you match payments to dates of stay. The entire ordeal has been extremely stressful. Now, I am out of pocket {$1100.00}. Each time I call the Citibank, I am on hold for extended periods. The Citibank representatives I have spoken with have been unwilling to assist me. They claim it is my fault for not responding - but I have responded. When I called XXXX XXXX to voice my concerns, they hung up on me!
Consumer complaint received 2022-04-24
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I called US Bank to get my XXXX removed at the one year mark in XX/XX/XXXX. They were aggressive and abusive on the phone. They lied saying XXXX could not remove XXXX stating that law requires you to keep it longer. Finally I spoke to XXXX XXXX, their Vice President of XXXX XXXX. He told Me he would get it removed. At that point I had already paid for an appraisal ( they misapplied the funds- this comes up again later ). XXXX told me the XXXX  would be removed as of XX/XX/XXXX. About a month later I received a check from US Bank stating I had an overage. It was the equivalent of one months XXXX. Then in XX/XX/XXXX they sent me a mortgage statement but were adding additional costs that I didnt understand as my mortgage payment was fixed with no escrow account. Them I figured out by calling that they wanted the money for that XXXX  overage back, but were charging me 1/12 for the next 12 months. To make things clear, the first month, I mailed the mortgage payment and the extra 1/1XX/XX/XXXX payment separated so it would be easy to understand. They screwed it up. For the last four and half months I have been working to get their payments department to correctly identify payments so the XXXX  would be fully paid off. I mailed in full amount so I wouldnt be paying it off monthly for the next year. I have spent no less than 18 hours working with them to fix their errors. Last Friday I received XXXX notices of foreclosure. Today I received a mortgage statement stating I owe over {$9500.00} dollars. I have made every single mortgage payment. This type of problem is very emotionally distressing. On top of all this when we closed on out loan, 3 months later US Bank sent more new disclosures stating they had done the disclosures wrong during our closing. Im XXXX exhausted. I need the regulating agency to investigate US Bank and their abusive practices to their customers.
Consumer complaint received 2024-11-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NY)

Chase Auto Finance denied a refund of my XX/XX/XXXX {$400.00} lease payment period for the month of XXXX, after I returned the car XX/XX/XXXX. Chase Auto Finance denied there are errors in their Payment Summary which contradict my XXXX Chase Payment Statements. Obvious error are on Payment Summary 1. " pmt due '' XX/XX/XXXX " eff.date '' listed paid twice XX/XX/XXXX and again XX/XX/XXXX. XXXX. " pmt due '' XXXX should be listed as XXXX, and XX/XX/XXXX as can be verified my monthly statements.
Consumer complaint received 2022-04-24
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX and XXXXXXXX XXXX XXXX  Account # 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 a account without my written instructions