davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NH)

My Citi Prestige credit card comes with a {$450.00} annual fee and is billed as Citi 's highend credit card. One of the benefits that comes with this high annual fee is supposed  access to a premium " concierge '' service. Another benefit of this card is a " 4th night free, '' which allows a credit card holder to receive a fourth night free ( when booking four or more hotel nights ) through its concierge service. However, Citi has made it virtually impossible to use this benefit. I was on hold for more than two hours to redeem the free night benefit. I got nowhere. By making it impossible to redeem this benefit, Citi has effectively eliminated it. As a result, the annual fee is paid and the customer receives nothing in exchange. 

I want my annual fee refunded. I do not pay an annual fee of {$450.00} to wait on hold for two hours to use my benefits. To make matters worse, I called early in the morning, at XXXX   EST. Yet, even at that time, the hold times are ridiculous. If Citi is going to charge an annual fee of {$450.00}, it should not make its customers wait two hours to access their benefits. I spoke with a supervisor and he was apologetic but could not offer any solution.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (PA)

On XX/XX/17 BB & T bank did two hard hits on my credit via XXXX. I have been complaining to BB & T bank since I received a report of the double hit. Finally after many inquiries to BB & T they sent me a letter admitting that they accidentally hit my credit twice for the same thing. They said that they are human and theyre not perfect. They also said that they asked XXXX to remove one of the hits and that XXXX   complied by removing one of the double hits. 
I have a credit monitoring service which shows that both hits still show on my credit. 
I took that to BB & T bank to show them and two days later I received a call from them saying that corporate said that the problem had been fixed. 
I logged into Trusted ID and I still see both hard hits from BB & T bank. 
I cant get anywhere with this bank so I am asking for help proving that they did a double hit which caused my score to go down 78 points, give it take 2 points. I have done all that I can do to try to fix the problem that BB & T bank caused. And I have not got anywhere with them. 
I strongly feel that BB & T is purposefully lying to me regarding this matter, and I will not allow them to damage my hard earned credit score and get away with it. 
So Im writing you to ask for help to get that extra hit removed from my credit. 

Thank you Mr. XXXX XXXX
Consumer complaint received 2018-11-18
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: CITIBANK, N.A. (IL)

On XX/XX/XXXX there was a credit inquiry that showed up on my XXXX account for a XXXX XXXX credit card from CitiBank. I did not initiate this request. 

On XX/XX/18 I was able to speak with someone at CitiBank who confirmed a card was taken out in my name and we closed the account down as I notified them that it was fraudulent. I spoke with a XXXX who told me CitiBank would notify the credit reporting agencies and that I would receive a letter in the mail from CitiBank detailing their findings.
Consumer complaint received 2021-03-30
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. (MO)

Pursuant to XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection XXXX c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is identity theft. This was submitted to EQUIFAX via EXPRESS MAIL Tracking # XXXX on XX/XX/XXXX with a signed return receipt tracking # XXXX. EQUIFAX has failed to comply. 

Pursuant to XXXX XXXX Code XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Congress defines a person under XXXX XXXX Code XXXX - Definitions ; rules of construction ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

These accounts have damaged my reputation. 

As a consumer I DEMAND a PERMANENT DELETION of these accounts. 

XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX : # XXXX DATE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : # XXXX DATE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : # XXXX DATE : XX/XX/XXXX As a consumer I DEMAND the PERMANENT DELETION of the following addresses : XXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX XXXX of XXXX, XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (MA)

Barclay Visa with XXXX Rewards. They did not apply payments to my account. Also, they refuse to furnish statements or provide account information. Im blocked from my account online. I can not view a history such as balance, payment etc. Ive made XXXX calls but they refuse to help.
Consumer complaint received 2019-09-04
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. (NC)

I was a victim of identity theft from XX/XX/XXXX- on or about XX/XX/XXXX. The fraudster initiated numerous credit inquires by using my social security number, address, and name. I disputed the accounts through Equifax but they were deemed valid. The following accounts are fraudulent and need to be removed from my credit history : **XXXX XXXX IS VALID** XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-25
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. (TX)

I have recently sent Equifax multiple notices regarding the false information that is reporting on my consumer report. They have sent me a response that the accounts have been verified by the creditors as accurate, however Federal Law states that isn't the lawful way to verify that an account is accurate. Additionally, the XXXX states that a payment should not be deemed as late for any reason. Equifax has taken on this grave responsibility themselves to ensure that all accounts that are being furnished, not only have my consent to be furnished but also the accounts must be furnished with 100 % accuracy! Today I spoke with XXXX, an Equifax supervisor in the fraud department, and he stated to me that Equifax has the right to furnish and report my private information even after I have demanded that they remove the errors and/or the entire account He stated that he could not remove any of the fraudulent reporting and that they could only open a dispute ticket. I declined and demanded that the accounts be deleted from my consumer report because i no longer trust Equifax as TRUSTEE to operate in my best interest in a lawful manner. My right to privacy is being violated and I wont allow Equifax to act in a way that they are exempt from federal law. Pursuant to 15 USC 1681a # 3, 15 USC 1681a # 4 you don't have my consent to report ANYTHING on my consumer report, and you've been unfair an impartial to me the consumer. You have never had permissable purpose under 15 USC 1681b # 2. And due to the recent events with Equifax sending fake scores to lenders I have been damaged and choose to no longer allow Equifax to furnish or report any accounts in my name. 15 USC 6821 Privacy Protection for customers state that consumer information may not be obtained under false pretenses. Now I am demanding redress for the damages and I demand that all of my credits be returned back to me and/or my XXXX account. XXXX out the books and provide me with a bill of particulars for anyone who is making money off of my name.
Consumer complaint received 2021-03-30
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. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate reporting on my credit report. To this day, 38 days later, I have not received a response as yet. I feel like I'm being ignored. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 dats gives a reason to immediately correct those inaccuracies on my credit report. I demand these accounts be reported correctly as Never Late with no late payments. If this isn't corrected, I will pursue litigation.
Consumer complaint received 2017-03-05
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (TX)

Macy 's has reported multiple late payment remarks to the credit bureaus for {$2.00} that was past due because of a fee that Macy 's charged then charged a late fee interest on top of the 1st fee assessed. I called Macy 's on XXXX and they have stated the problem has been fixed and that there was n't any late payment even though my credit report shows it. I 've attached all of my documents. The credit bureaus have still done nothing to help as well and I 've already submitted requests to help me.
Consumer complaint received 2018-03-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

This was a mortgage account that should have been closed in XX/XX/XXXX when it was paid in full. In XX/XX/XXXX I paid off this loan in the amount of {$250000.00}. As of today, XX/XX/XXXX, I am still receiving correspondence from Wells Fargo indicating this account remains open. I have repeatedly tried to address this situation directly with them.
Consumer complaint received 2020-06-03
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. (NY)

I am writing about an account which reports from XXXX, It is reporting different data for each bureau. I tried pointing out the issue to XXXX, XXXX  and Equifax I have fallen on XXXX  XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.
Consumer complaint received 2018-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I applied for a Refi on an existing loan with Quicken Loans also a purchase loan for a new home. This was on approx. XX/XX/18 for both of these loans. I gave all relevant info and did the applications for both. Got a pre approval for the purchase loan. During the process I noticed that the fees on the loan closing estimate papers kept going up and was higher then what I believed was normal. I was told by the mortgage agent is usually higher on the estimate but it most of the time will go down. I completed all required paperwork got the appraisals done etc.. After doing this the loan interest rate changed after I was told I locked in the interest for 30 days. Then the closing costs and fees went higher. I brought it to the agent attention with Quicken loan and asked for a supervisor to contact me. That's when things took a turn, the supervisor that contacted me was less then polite. Because I continued to push the issue and claim that I was being guided into higher interest loans that my high credit score doesn't warrant my loan was denied. The official reason was that I couldn't prove that I had moved into my house for the Refi over 5 years ago. They wanted a phone bill in my name or proof of moving expenses. Quicken Loans cost me money for both home appraisals, time and almost cost me the house I was trying to purchase.
Consumer complaint received 2021-03-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

I called Nelnet and submitted disputes with all Three bureaus. Nelnet updated late payment reporting on one bureau but has refused to update the other two bureaus. I have been getting the run around without a response. I am lost on why just one bureau would be changed but my two other bureaus are still being hit. Please help, this whole process has been so frustrating.
Consumer complaint received 2022-08-07
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: WELLS FARGO & COMPANY (NY)

on XX/XX/2019 an account at wells fargo was established in my name, I noticed that fraud account was reporting on my credit report and tried disputing this account multiple times as identity theft fraud and the end result is, the account is still reporting on my credit report as charged off. when I called wells fargo and supplied the customer rep with my social to look up this account, the account could not be found. I supplied the rep with the account number that i received and was told that the ssn doesn't match what's on their file. I have filed another dispute with the credit agencies to have this information removed from my credit report. I asked for validation of this debt, I have yet to receive it. this fraudulent account has lowered my credit score and held me back from getting approved by apartments, this account has cause me unnecessary hardship. I need this account removed from my credit report and compensation for the hardship I endured. 

the ssn number on the account or application doesn't belong to me, this account needs to be removed
Consumer complaint received 2018-11-18
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. (TX)

XX/XX/2018 was loaned {$970.00}. paid {$2400.00} at 530.588 % APR XX/XX/2018 was loaned {$1800.00}. paid XXXX at 416.852 % I took the loans because when I went in both times the clerks say they will report to Credit agencies. 
Which I think is normal. What they did not say is they only report if the person does not pay the loan in full. 

They did not clarify that only people that don't pay are reported and when people apply. 

If a consumer is trying to re-establish credit and pay a high interest rate there is no benefit to the consumer for loans with other agencies. 

This makes the consumer to be able to borrow from the same creditor at a higher rate. 

They misinformed the consumer by saying they do report to credit agencies. I want the loan company to report I paid in full and as agreed.
Consumer complaint received 2019-08-23
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. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I HAVE INQUIRIES THAT ARE NOT MINES FROM A XXXX XXXX XXXX, XXXX I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES PLEASE DELETE REMOVE THEM.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MI)

XXXX XXXX XXXX XXXX the government is responsible for all debts. I am not responsible or willing to volunteer as a debtor. These are injuries to me and are actually claimable by remedy and redress. All i ask is to remove it from my credit report completely and permanently. U.S.C. 15 sec 1681 Discover Bank " credit '' Account ending in ( XXXX )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2018-11-18
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. (VA)

Equifax Credit Reporting agency has not complied with Section 605B of the Fair Credit Reporting Act Which requires them to block fraudulent information on my report. Instead they continuously keep submitting disputes with no resolution. I have exhausted numerous hours and phone calls trying to have them to comply and remove and block the accounts. The representatives have poor English and continue to put me on hold only to come back on the line and state that they are waiting for a dispute resolution. There will never be a resolution. The fraudulent accounts that remain are as follows .... 

XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has been forwarded a copy of my identity theft report / police report but continue not to comply or remove the fraudulent accounts. I have called them over 10 times to include communicating with their fraud department as well. This agency is not cooperating with me in anyway.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/18 I filled in all of the information requested of me to obtain my free annual credit report from EQUIFAX. At the end it advised me that I would have to get the report by mail by providing documentation. 

There was nothing wrong with my entries on their online form and Equifax did not state why I was being denied my report. 

These reports are a VERY SMALL price these companies pay for collecting and selling our personal information and this has happened in the past. 

I demand that my credit report be provided immediately without my having to spend time collecting documents and mailing them. 

XXXX XXXX
Consumer complaint received 2018-04-13
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. (OH)

XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-03-30
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: CITIBANK, N.A. (CT)

There is another person with the same name and birthday in another state, her info has been showing up on my credit report for over ten years. Well I had fraudulent charges on a citi bank credit card, and filed a report with them, closed the account. From what citi bank tells me, they sent out a new card with a new account number but it ended up at her home. In IL, I live in CT. Because I can not confirm my own info since her info is now on the account, they wont dispute it. Ive tried over and over online, I have also called them, alert all threw credit reports and Ive gotten nowhere. Ive learned this woman has the same name and birthday and possible a similar Ssn.
Consumer complaint received 2018-11-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (GA)

I attempted to pay for goods at XXXX with a personal check due to their credit card terminals malfunctioning, When the check ( {$68.00} ) was ran through it was declined with a note that provided no specifics, but gave me a number to Certegy, I called and requested a copy of my profile. The profile also did not indicate any outstanding judgements against me, only mentioned my check writing profile, possible check number, or that it exceeded the store parameters. What the XXXX does that mean. This incident was not only embarrassing, but as a consumer I have a right to know exactly what about my information would seem risky enough to decline a check. I also would like to know how the FTC allows them to be in business and " collect '' consumer information to make a judgement against them, however the consumer can not get any clear answers.