davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

This is more of a regulatory question than complaint per se. 

I have a Costco CITI Bank card credit card that I typically pay the balance off on a monthly basis and my payments are usually a week or more before the credit card due date. 

I manage my credit card through their online website and rely on their online statements and credit card homepage for all of my account information. 

On all of my other credit cards their website home pages show the Credit Card Payment due date and the minimum balance due. However the Costco CITI Back card website home page does not have this information on their website homepage. To find this information one must navigate to their payment web page. 

As I check my my credit cards on a regular basis I missed seeing this information on the CITI card site and ended up missing the due date. I did make full payment the next day ( One day Late ) and paid late fees and interest charges. I take full responsibility for making the late payment. 

My comment/ question is whether credit card companies are required by regulations to post this information on the home page for their website? I feel that by hiding the due date they are counting on individuals missing their payments and then collecting late fees and penaltys. 

Your feedback on this issue is greatly appreciated.
Consumer complaint received 2022-09-14
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. (FL)

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXXXXXX XXXX - ACCOUNT # XXXX XXXX. XXXX - ACCOUNT # XXXX 15 US Code - 2 - 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

Please note this is NOT A DUPLICATE complaint Marcus is refusing to let me withdraw my money. It has been 2 days and they keep lying and making excuses. I still don't know what is the status of my 2 wire transfer requests. They have verified every single bank from which the funds came in and still refuse to do the wire transfer or provide any status. 
On top of that they keep lying repeatedly on recorded lines that it will go out today or it will go out tomorrow morning. And the next day they repeat the same lies all over again. These lying degenerates think they are doing the clients a favor by allowing them to withdraw their own hard earned money. I have plenty of recorded calls to prove their lies. I was told yesterday that all verifications and done and they are " expediting '' the wire and it will go out yesterday. Of course, that was a lie. Then yesterday evening, I was told that it will go out at XXXX in the morning. Again a lie. Then this morning I was told that all verification is done and that it will go out today. It is already XXXX now and still nothing. Called and got a really evasive supervisor XXXX who said it is being reviewed. She was just reading form a script and kept repeating like a parrot " 1 to 3 business days ''. When I asked her, tell me the exact day and time, those 3 business days will be over, again no answer.
Consumer complaint received 2022-11-08
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: Affirm Holdings, Inc (NJ)

This company is in clear violation as per described in 15 U.S. Code 1666b - Timing of payments, As well they're furnishing non-public information to third parties, which it's a clear violation of the 15 U.S. Code 6802.

See attached.
Consumer complaint received 2022-09-14
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. (MD)

I, XXXX XXXX am a natural person, consumer in commerce and I am writing this complaint to address several issues that I've encountered with XXXX XXXX XXXX XXXX. I have been misled by XXXX XXXX XXXX XXXX AND Agents thereof to think that I have received benefit for the XXXX XXXX XXXX XXXX ending in XXXX and the XXXX XXXX ending in XXXX. XXXX XXXX XXXX XXXX has failed to disclose the following : I have the right to opt out of disclosure of my nonpublic personal information being disclosed to non affiliated third parties, I extended value to the instrument with no consideration, XXXX XXXX XXXX XXXX received consideration and unjust enrichment from my open end consumer credit plan as defined in 15 US Code 1602 ( j ). XXXX XXXX XXXX XXXX has shared adverse information on my consumer report that has harmed my financial reputation, disclosed false and misleading information concerning the private consumer credit transactions, XXXX XXXX XXXX XXXX has continued to take adverse action against me even after I've sent notices to remove all adverse items from my consumer reports. Had I received full disclosure, I would have not entered into any agreement with XXXX XXXX XXXX XXXX. I did NOT knowingly and willingly agree to an unconscionable agreement. XXXX XXXX XXXX XXXX has conspired and restrained trade and commerce which is ILLEGAL. XXXX XXXX XXXX XXXX has closed and charged off both of my credit cards which is discrimination and an adverse action. XXXX XXXX XXXX XXXX has sent deceptive billing statements requesting payments knowing that one can not pay on a credit balance. XXXX XXXX XXXX XXXX has used unfair and deceptive trade practices and I am demanding removal of all adverse items on my credit file immediately.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello, I filed a complaint XXXX/XXXX/XXXX in regards to incorrect information on my credit report. 
XXXX XXXX 's is showing a 30 day late payment XXXX of XXXX. I have never been late and have disputed this error thru Equifax. Equifax has not removed this error even after filing a dispute with CFPB. XXXX Bank has already made contact with Equifax and provided them an updated AUD to correct this error and they have not. It has been over 30 days and this information has not been updated.
Consumer complaint received 2022-11-08
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: U.S. BANCORP (HI)

Im really not sure what more to say. There were two accounts, apparently opened with US Bank that do not belong to me. Nobodys denying the fact that the account somebody opened them. It just wasnt me. I have reported the identity theft to all three credit bureaus.
Consumer complaint received 2022-04-20
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SOUTHSTATE CORPORATION (GA)

This is what I've sent to South State- I know that these fees are excessive and posted in an order to assure that they are able to charge as many fees as possible. Hello, since the beginning of 2022 I have been charged {$1900.00} in overdraft fees, {$680.00} just since XXXX of 2022. I am writing this because I am trying to regain control of my budget, and that has become impossible due to the amount of overdraft fees I have accrued in my account. These are uncertain and trying times for all of us and I wish to urge you to reconsider these fees. It is such a high amount and myself and my spouse have held account both separate and joint with Southstate for quite some time, we remain loyal and recommend others to join your bank as well. I know this is a large chunk of the revenue that this bank collects- however I do humbly ask that you please refund these charges. " Overdraft fees are largely incurred by only a small number of financially vulnerable consumers : Just XXXX percent of account holders pay XXXX percent of overdraft and NSF fees.Because overdraft fees are flat and fixedthey are the same whether an account is overdrawn by {$10.00} or $ XXXX card overdrafts bear the most disproportionate penalty because they tend to be the smallest transactions '' The bank responded to speak to my local branch, to which I already have- and they were no help. I have regular deposits to this account.In addition to this several of these fees were charged due to erroneously bank drafts. I spoke with a bank rep over the phone who reported that the amount of fees were " excessive ''
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (CT)

I made a purchase back on XXXX XX/XX/2021 XXXX purchase several furniture items from XXXX XXXX XXXX including a sofa love seat, Coffe table, lamp, and a swing chair XXXX and lamp was XXXX. I return the Coffe table and I receive a credit from XXXX XXXX XXXX, I refuse delivery of the sofa and love seat as they were damage The Synchrony credit card in total {$2600.00} and XXXX XXXX XXXX refuse to credit me back a total of cash paid XXXX. 
I have gone to the furniture initially to discuss a refund he was so upset for asking my money he refuse and told me he was broke the store is not making money he just got back from vacation/ his county and his father past away therefore he will not refund me any money. 
I contacted the credit card company I was told 3 times they found favor in XXXX XXXX XXXXXXXX XXXX  because the saga and love seat were special order but what I got were floor models
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (TX)

Original Creditor - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

Date on XXXX - XXXX XXXX. XXXX ( I never attended during this time. ) Statement Date from XXXX : XX/XX/XXXX ( attached ) Payment Made by XXXX  XXXX in XXXX of XXXX for XX/XX/XXXX - XX/XX/XXXX ( attached ) XXXX provided Debt Company a Falsified Statement with the same charges numerous time. ( See Statement attached ). Amt. stated as owed XXXX. 

Neither Creditor or Agency can explain the Statement or tell me why this is owed. 
I'm a Texas Veteran and used my Ch. 33 VA-EDU benefits XXXX Which paid for the Course in FULL ( see VA receipts attached ). 

XXXX  Billing department will not provide me any information. Will not send proof or explain details of Statement. I've been harassed for over 4 years & this account was at one time deleted from my Credit report due to XXXX not being able to verify statement. 
Please assist & investigate account.
Consumer complaint received 2022-09-14
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: PNC Bank N.A. (GA)

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 2022-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IN)

On XX/XX/XXXX my card was charged the following international transactions fraudulently : XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Retail stores XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Retail stores XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Retail stores XXXX
Consumer complaint received 2022-09-14
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. (PR)

Ask Equifax for the independent investigative method they used to make the decision that the XXXX XXXX account they report on my credit is mine, and they refuse to send it to me which is a violation and they should remove that account from my credit report. It was opened in XXXX of the identity theft and I sent the report that says so, with the report they do not delete the account that does not belong to me.
Consumer complaint received 2022-09-14
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. (GA)

As I logged into XXXX to check for inaccuracies on my credit report on XX/XX/XXXX, I noticed that I have an inquiry on my Equifax for profile for XXXX XXXX XXXX XXXX XXXX. This inquiry took place XX/XX/XXXX. I submitted a dispute yesterday with Equifax and they did not remove the inquiry. I have an extended fraud alert. I am also a victim of fraud which is why I have an extended fraud alert on my credit profile. The dispute results came back as " updated '' instead of " deleted ''. The inquiry was not made by myself and should be removed. When I notice anything on my profile that needs to be disputed, it is done immediately. For Equifax to come back within hours and say this inquiry came back verified and accurate knowing I am a victim of fraud confuses me. I do not feel a thorough investigation has be done. This inquiry was not made by me and it pains me that after disputing the item it is only being updated and not removed. I do not own a XXXX XXXX account nor did I make an inquiry. The same way I found that I had an account with XXXX but I never owned an account with XXXX. The same way someone tried to open an account with XXXX XXXX XXXX but I already have an account with them. XXXX XXXX XXXX reached out to me saying someone is attempting to open an account. How they submitted my social security number to them and forms of ID. This attempt was made in Washington last year. The same way someone made purchases with my debit card for a XXXX flight that I didn't take. I was at home. I am not sure how this is being done but what I can assure you of is that I constantly monitor my credit profile and whether or not the inaccurate item is seen right away, I always take steps to address any item I know to be false and not submitted by me.
Consumer complaint received 2017-10-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glasser and Glasser, PLC (VA)

My name is XXXX XXXX I am in my XXXX. Just received subpoena on an auto loan that appears to be mine. I think I signed a loan for my son for two cars but this only has my name on it. Im confused. Ive not been contacted that payment wasnt made and looks like its been several years ago. I have congested XXXX XXXX and XXXX and my wife is battling XXXX and XXXX for noncurable XXXX, somehow we been signed out government XXXX and only have a replacement XXXX plan. We have no money left. Why didnt someone tell me before now. Why didnt they contact me but wait several years? Can u help me? My address is XXXX XXXX XXXX XXXX XXXX va XXXX and my stepdaughter helps us. I have hard time hearing. Ask for her or XXXX. The warrant is from XXXX XXXX XXXX. If they can send warrant in the mail why cant they call me or talk to me. We have no money thank u
Consumer complaint received 2022-09-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This is/was a debt with XXXX XXXX. It has been going on since XXXX XXXX. They were receiving payments and not crediting the correct account and when notified refused to check said account and then sold the debt twice and i have been harassed by all XXXX agencies. 

I told and provided paperwork to numerous contacts and not XXXX department took ownership of the problem to investigate and help me. It has had negative impact on my credit report and more.
Consumer complaint received 2022-04-20
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 Reporting act XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX 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