davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

The following is a timeline of my issue. 

XXXX  I made a purchase at XXXX XXXX XXXX restaurant in the amount of {$41.00} I did not receive a bill thereafter. 

XXXX A late charge was issued for {$29.00}. DUE date XX/XX/ XXXX A late charge was issued for {$40.00}. DUE date XXXX I did not receive a bill. 

XXXX I received a letter indicating my payments were late. I immediately responded upon receiving the bill and on XXXX  I contacted Citi and requested to pay the bill in full. I was informed by the representative the total bill was {$41.00} ( aside from late fees ) and at that time I requested that all of the late fees be waived and the representative agreed to refund them. It was my understand that on XX/XX/ all payments were satisfied and my account balance was XXXX. I requested a confirmation number and was told by the representative that they did not have a confirmation number to provide me however I will receive a letter in the mail. I never received a letter. 

XXXX  I received a letter dated XXXX indicating that I needed to contact Citibank due to late payments. To my surprise I was shocked since I satisfied all payments on XX/XX/. I contacted Citi and was disconnected upon trying to explain the matter to the first representative. At approximately XXXX  I called back and spoke with representative who identified himself as XXXX XXXX I tried to explain and gather information from XXXX regarding my account and explained my account should be XXXX balance however he explained that the late fees were only waived for 2 months and not 3. He explained that {$11.00}, {$19.00}, {$40.00} was refunded however he is not allowed to refund me any additional fees. he became frustrated as noted in his raised speech to me. I asked him to stop yelling at me but he continued. He stated I owed {$70.00}. I was confused as to how If I have not used the card for any purchases or withdrawals since XXXX 

It is clear that the representative I spoke and made the full payment with on XX/XX/ misled me to thinking that my total bill was satisfied on that day. I never received a bill in the mail or email to notify me that I owed any money yet Citi bank continued to charge me late fees. They seemed negligent in providing me with a bill. This has led to a decrease in my XXXX score and i kindly ask it be resolved. I have worked hard to keep a good credit score and understand how this act on behalf of Citibank and their staff is damaging. 

Furthermore I do not understand how I was only refunded {$11.00}, {$19.00}, {$40.00} - I was informed that all 3 late fees would be waived. late fees are {$40.00}. 

On the same day I contacted the rewards program to redeem them and upon attempting to confirm my address was given an address that is not my correct address. 

As a result on XX/XX/ I closed 2 of the 3 credit cards I have with Citi. I intend on closing the this card however would like to resolve this matter before doing so. Than you. 

XXXX XXXX
Consumer complaint received 2023-08-07
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: DriveTime (GA)

I'm accordance to fair credit reporting act my privacy have been violated 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Spring Equity LLC (WA)

Last week, we sent this to Spring EQ. We are still waiting to hear from them, and we have suffered monetary loss. 
" Pursuant to 12 CFR, 1024.35, please consider this additional notice to Spring EQ and the payment processing agent ( XXXX  ) regarding the error that occurred by duplicate recordings initiated by Spring EQ in XXXX, 2022 and XXXX, 2022, respectively. I am attaching copies of all the e-mails and lien records for your reference. I have attempted to contact Spring EQ on at least 10 occasions by phone and have left many voice mails. I have yet to receive any resolution or confirmation that acknowledges the dispute or acknowledgement of willingness to research our claim of error. 
Please advise acknowledgement of our claim and status of the needed correction within six business days. We have suffered monetary damages due to Spring EQs duplicate lien in an amount that exceeds {$430000.00}. Our property and home has been tied up with erroneous lien ( s ). ''
Consumer complaint received 2022-09-20
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), And Account # 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
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (AZ)

XXXX law firm did not properly serve me in accordance with the law, nor did they provide me with validation of my debt. They sued me in court and I was not notified of the court date in accordance with state law. 

XXXX XXXX  account. ( XXXX ) {$2500.00} The following alleged collection account was on a payment plan arrangement during Covid and the amount you are reporting is not correct, nor is the amount owed. ( see attached document for details ) Under the XXXX XXXX If you are current on payments and make special arrangements, creditors must report the account as current. 
If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. 
Late and missed payments CAN NOT be reported if you have already made arrangements. 
Charge offs may still continue to be reported as a charge off Some creditors may use a special code for natural disasters on credit reports for delinquent accounts, this is not required. 
XXXX does not consider disaster codes for credit scoring. 
XXXX will not use late payments with a disaster code for credit scoring. 

I had a XXXXXXXX XXXX XXXX result which indicates I was effected by XXXX during the illustrated time line for the XXXX XXXX-I gave this information to the credit card company. 
They violated FCRA and compliant reporting standards. 


Gurstel law firm is not in compliance with all the XXXX XXXX reporting standards, and I'd like this account removed upon completion of investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I advised to please update my credit report. I have unauthorized and fraudulent addresses and names that are not associated with me. I have unauthorized inquiries on my credit report that I want deleted ASAP. I have unauthorized CHARGE OFF ACCOUT ON MY CREDIT REPORT AND I NEVER DONE BUSINESS WITH THAT COMPANY. I FILED A IDENTITY THEFT REPORT XXXX advised to please remove all inaccurate info from my credit file per 15 U.S.C 1681b exclusion sec accuracy and fairness of credit reporting. Please delete all unauthorized info in regards to my address. 15 U.S.C 1681n civil liability for willful non compliance any actual damages sustained by consumer as result of failure or damages {$1000.00} please remove and provide me with the exact source where you received the information so I can take legal action. Please remove collection account per 15 USC 1681s -2 a reporting info with actual knowledge of errors please send updated credit reports to my home address.
Consumer complaint received 2022-04-25
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. (MI)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

In XX/XX/2022, I stayed in the XXXX XXXX XXXX in XXXX. I was charged correctly for the room, but after my second night out of XXXX, I saw a charge for XXXX USD. I asked the hotel what that was for, they said they don't know, And that they did not put the charge through. I have been since trying to reach Barclaycard US and wrote them a dozen times, But did not get a response, I even wrote The presidents office, But got no response. Investigations only told me that they authorized the charge, Never explained why, what the charge is for or why the hotel doesn't even know about it. I have a copy of the email, where the hotel wrote me they don't know about the charge. Since I didn't pay the charge of XXXX, it has since then increased to XXXX USD with late fees and interest, And my credit score dropped XXXX points, All because of a fraudulent charge that no one told me what it was for. It has been 7 months, and no one until this day canceled the charge, responded to my concerns or anything really.
Consumer complaint received 2022-09-20
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. (TX)

In accordance witn tne Fair Crealt Reporting act. The List or accounts below has violated my federally protected consumer rignts to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Dear sir/madame, This is a follow up complaint -- the previous ones are XXXX, XXXX, XXXX. 

The last response to my complaint was, This complaint lists someone the company does not recognize as their customer or their customers authorized representative. I do understand, as Citibank is an intermediate entity in this transaction, they cant provide information directly to me, but Citibank keeps being on a full mute and ignoring multiple recall requests and inquiries from XXXX and XXXX XXXX. I escalated this case to the Attorney General of New York XXXX, XXXX XXXX, and as suggested by her associate, attaching the response, also stating that Im adding new information. Her office is forwarding this correspondence to CFPB as well. Hope this will help to move the needle. 

Unfortunately, Citibank did nothing to resolve the situation and keeps ignoring multiple recall requests from XXXX and XXXX XXXX. Citibank keeps holding my well-earned money since XX/XX/XXXX, with no explanation. I really hope that the concept of private property still does exist. Despite also the fact, that the funds are not blocked by XXXX, and recent XXXX XXXX licenses : On XX/XX/XXXX, the XXXX Treasury XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) issued XXXX General License ( GL ) XXXX and GL XXXX. GL XXXX authorizes transactions related to pension payments to XXXX persons or non-U.S. persons not located in the XXXX XXXX that are normally prohibited by XXXX Order ( E.O. ) XXXX provided that the only involvement of blocked persons is the processing of funds by financial institutions blocked pursuant to XXXX. XXXX. GL XXXX authorizes the closing of an account of an individual, wherever located, who is not a blocked person held at financial institutions blocked pursuant to XXXX. XXXX. GL XXXX also permits the unblocking and lump sum transfer of all remaining funds and other assets in the account to the account holder, including to an account of the account holder held at a non-blocked financial institution.
Consumer complaint received 2022-09-20
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. The List of accounts below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : xxxx # #, Account Name : XXXX XXXX Account Number : XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of the information Any other adverse items of information, other than the records of convictions of crimes which antedate 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 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
USDOE/XXXX  XXXX Balance : {$0.00} ; USDOEXXXX XXXX Balance : {$0.00} ; USDOE/XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (MN)

I just received a statement from Citi stating that I had previously enrolled in Credit Protection, for which I was charged a monthly fee. The letter then states that if I believe I was enrolled without my consent or knowledge of the program costs or benefits, I may go to their website and submit a claim for a " potential refund, '' but the refund is not guaranteed.
I am completely unaware of having signed up for any such program. I did go to the website and submit a claim, but this seems fraudulent and unethical to be able to enroll me and charge a fee for something in which I have no knowledge and did not provide consent for.
Consumer complaint received 2022-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX continued. 

WF is gaming your process. See all comments in the feedback of the complaint. 

The loan should have never been initiated and I was forced to close on the HELOC loan. 

The builder XXXX XXXX and the inhouse WF loan officer ( XXXX XXXX ) forced me to close on a property that should never have been initiated I seek mediation of the issues Pleas have WF meet in mediation.
Consumer complaint received 2022-09-20
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. (NJ)

In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. 

It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner. 

In addition based upon USC 15 1681 ( c ) ( 2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after the date of receipt. It has been beyond 30 days and I would like this false information removed because it is inaccurate and causing financial damages. 

This does not comply with the subchapters of the FCRA ( Fair Credit Reporting Act ) and if you do not remove these inaccurate accounts I will have my information removed from your database and no longer do business with any financial institutions that uses your company to receive my information.
Consumer complaint received 2022-09-20
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2022 someone tried to obtain credit with Barclays Bank Delaware, XXXX alert me. I reach out to Barclays Bank Delaware to let them know it wasn't me and represent told me that it will be removed that was XX/XX/2022 inquiry still remain on my credit report. Also the XXXX XXXX is my maiden name, I always apply for credit with my married last name XXXX XXXX, which is my legal last name on my driver license and social security card. Please remove incorrect inquiry that was put on my experian credit report credit that I didn't apply for.
Consumer complaint received 2022-11-29
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. (MD)

I applied for student loan forgiveness for 4 student loans. All 4 student loans were forgiven and paid in full in XX/XX/2022. Equifax is still reporting that my loans are still with an old servicer ( XXXX ) and that I still have a balance. This is incorrect information. I have letters from XXXX showing that my loans are paid in full. I also have a recent letter from XXXX stating that they have reported the updated information to Equifax, but Equifax refuses to update the status.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (CA)

Exeter is reporting my account balance as over 20k but on their website it shows remaining balance as {$18000.00}. I've disputed this incorrect information several times but there has been no changes. My report also shows on one part not current but my account is in good standings. This is misleading to anyone who access my report.