davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

To Whom It May Concern : Much like many other financial institutions I have had problems making payments. Barclays during an extended period of time didn't give me access to their website to make payments. They locked me out. They didn't give me an alternative to pay. The only institution that didn't want to accept money. I believe this was done in a malignant way. Since this is a XXXX Company I had a very hard time getting through. I eventually got a hold of the CEO in XXXX and I got a response. But nothing got resolved. I spoke finally after about 10 calls to a person that opened the website to me and gave me the opportunity to make payments. By this time I was very late and delinquent because they didn't want to accept money. After having them open the website I was able to start making payments but they were reporting everything to the credit agencies as delinquent. It has hurt me in every way financially. I am now in better standing but they have not reinstated the credit card. They continue having it cancelled and therefore hurting my credit score. It has taken a tremendous amount of time from my work and therefore hurt my family financially.
Consumer complaint received 2022-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (TN)

My 2nd mortgage was XXXX in XXXX XXXX XXXX XXXX  I have 2 issues : 1 ) I requested numerous times to receive all my statements and communications electronically. To date, they refuse to do so citing the law doesn't allow them to do so. However, doesn't Regulation Z with the E-SIGN Act allow electronic communications? 

2 ) Recently, I offered a lump sum payment of {$2000.00} to settle my loan, with has a $ XXXX plus balance, in full since I haven't made any payments in the past several years and don't see being able to make any payments in the foreseeable future. This was rejected originally and on appeal per XXXX XXXX at 21st Mortgage. She emailed me the same modification offer after each review which I had to decline because of not being able to make payments. When I responded I couldn't do that she replied " I will notate that you have no intentions and we will proceed as necessary on our end. '' They keep billing me with monthly statements and a separate monthly letter advising how many months I'm behind to bring the account current. I feel they are setting me up for foreclosure to take my home since they won't work with me on the settlement.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX Inquiries : 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 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 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 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 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 XXXXXXXX
Consumer complaint received 2022-04-23
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. (CO)

Account XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-10-18
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (TX)

I have been making a series of wire transfers from our bank ( Citibank ) in the US to our bank in XXXX ( XXXX ). Citibank limits me to {$50000.00} per day and as we are sending money to purchase a house there it takes many transactions. Citibank has on numerous occasions cancelled or delayed my wire transfer without contacting me, giving me any opportunity to understand the reasoning or rationale. Each time this occurs ( no less than 3 times now ) I have to call Citibank, navigate their menu systems and ultimately get through to someone who is very little help. It's often that I will receive conflicting information from their agents. On two recent occasions, Citibank withdrew the {$50000.00} from my account - delayed my wire transfer for several days and then cancelled the transfer for no reason- ultimately returning the money to my account. By this time, the exchange rate had moved and I effectively lost {$1000.00}. At the moment, I am trying to find {$50000.00} that they withdrew from my account on XX/XX/XXXX ( today is XX/XX/XXXX ) for a wire transfer. I received an email that the wire was cancelled because of a system issue - but the money is yet to be returned and they have given me no commitment on when this money will be returned. I have also been told that when the money is returned to my Citibank account I will need to resubmit the wire transfer request- which will 10 days later than originally sent most likely and I am expecting to lose about {$750.00} on the exchange rate change. I have spent 3 hours at least talking to them just over the last few days trying to find my money. The first agent told me it was going to be fixed and sent, the next agent told me the opposite- it was going to be returned and I would have to resubmit the transaction.
Consumer complaint received 2022-10-18
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-18
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. (CA)

When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXXXXXX XXXX  XXXX Balance : {$4800.00}.
Consumer complaint received 2022-03-09
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: DISCOVER BANK (TN)

On XXXX, I disputed a XXXX charge for {$340.00}. On XXXX, I received a letter from Discover saying they found in my favor. Then on XXXX they changed their mind after I submitted proof of return with a receipt. Discover claims I never contacted XXXX about any of this. I have emails dated XX/XX/2021 about receiving the wrong merchandise, I have a time date XXXX receipt for XXXX at XXXX, I have XXXX phone records. My question is do I need to sue Discover or XXXX or both to get my money back? I want to subpoena the store security video on XXXX.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

On or around XX/XX/2022, I attempted to place an order with Home Depot and take advantage of financing offer up to 24 month of financing on purchases over {$290.00}.

First said website would not take order my Home Depot credit card kept declining purchase although the account was in good standing with available balance.

Home Depot resolution department got involved with placing order promised at exact delivery date and further adjustment if product was not delivered in time.

Not only was the product not delivered in time but sent out wrong merchandise and billing is incorrect. Home then separated each item ( 51 ) in total into several orders making billing verification and payments impossible to apply correctly and timely to avoid financing charges.

I attempted to reach Executive Office several times about this issue and was told they refuse to get involved. I find the billing and financing option a deceptive business practice and asked you investigate this as an official complaint.
Consumer complaint received 2022-10-18
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. (NY)

XXXX XXXX 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 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 2022-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

This account is reporting on my credit report and I have no idea what it is. I've sent letters disputing it and have not received a response. They just updated it on XX/XX/22 as a charge-off. They seem to be able to update the account as a charge-off on my report every month. But they can't send me a response back showing any sort of proof. But I've been disputing it monthly for the past few months.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

My loans started in XXXX with XXXX XXXX and were transferred to XXXX in XXXX. In XXXX I had a default history but the loans were rehabilitated in XXXX and sold to XXXX. Due to the fact I am enrolled in PSLF, my loans were transferred to Fed Loan in XX/XX/XXXX. I requested a FOIA from DOE to obtain my loan history from XXXX XXXX and XXXX in XX/XX/XXXX. I just received the loan history and is missing all the data from XXXX XXXX and XXXX also FED LOAN has me listed as rehabilitation forberance from XXXX, which is completely wrong.This can impact my loan history and potential forgiveness. Please assist me, My complains are both to the DOE for not having accurate information and FED LOAN for not giving the correct information. Please help.
Consumer complaint received 2022-10-18
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)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the Alleged debt, nor therefore any such debt. In fact therefore exists XXXX XXXX  XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 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 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 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 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (PA)

I recently applied for and received an XXXX XXXX XXXX XXXX XXXX XXXX XXXX offered through Barclays Bank. 
I was offered the card on a recent flight on XXXX XXXX. I asked at that time if I could apply online and was told that I could. I was told to refer to the promotional code on the application ( see the attached picture showing that code, XXXX ). 
When I applied for the card, I was told that the first years annual fee would be waved, ( see attached photo of the application brochure that states that ). 
On my first statement, I was charged the XXXX  fee. I complained to Barclays about this charge and their written response to me stated that Were currently unable to assist you with your Rewards issue. 
I think this is clearly an unfair business practice and would appreciate it if you can help me get the XXXX  fee refunded.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX, I received an alert from my paid credit monitoring service ( XXXX XXXX ), that informed me of changes to my credit score and/or report. Upon review of my credit report from all three credit reporting agencies ( XXXX, XXXX, Equifax ), I was alarmed to find my credit score dropped over 100 points ( from XXXX down to XXXX ) without any reasonable cause for the points drop! I could not find any new derogatory tradelines or accounts or inquiries that would have contributed to the adverse effect to my credit score? There was only one newly added account which is a credit card. That account is in good standing and current according to my credit report as of this date. Therefore, I do not understand how such a negative change to my credit score has occurred, since there was no new derogatory information added to my report? The accounts I currently have in collection, have been there since XXXX, and my credit score has gradually been improving as my credit report shows. I honestly believe someone at the credit bureaus has entered inaccurate or false information, or has unjustly altered my credit score to reflect a 100 point drop from my previous score as evidenced by my credit reporting services, score tracker on XX/XX/XXXX. I have snapshots of my previous scores as well as my credit report for proof of my claim. Please help!!! Thank you!
Consumer complaint received 2022-10-18
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX/XXXX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (IL)

I transferred {$35000.00} as a loan to a longtime friend ( more than 20 years ) in XXXX Citibank later contacted me by phone to ask me WHY this was sent? I refused saying if they need this information for legal reasons to send me a letter so I can review this with my lawyer. The letter never arrived but in XX/XX/2021 Citibank closed my Citibank Priority Checking account that is used for international transfers They also closed all my credit card accounts claiming I had violated their rules in transacting business I met with my local Citi Bank Manager who could also not understand what I had done wrong and who after discussing with his boss advised me to request them to be more specific They replied with almost the same letter so I sent a Presidential Letter Unbelievably I got the same response with a link to all the Citi rules for transacting business I still can not understand their actions so I am filing a complaint Please understand I have been a Citi customer for over 30 years and have never been late or missed a payment