davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MD)

Citi has failed to address a critical issue related to the misrepresentation by their customer service representatives. Despite assurances that my promotional interest rate would not be affected by a returned payment, Citi wrongfully terminated the promotional interest rate and has failed to properly address this issue after multiple contacts. Additionally, Citi 's response letters have been automated, and they have ignored essential details, such as the return check fee and the proof I have provided. 

Details : XXXX. **Misrepresentation** : - On XX/XX/XXXX, a Citi chat representative explicitly told me that my promotional APR would not be affected by the returned payment. 
- Despite this, Citi terminated my promotional interest rate ( 0.99 % valid until XX/XX/XXXX ), leading to increased interest charges. 
- I have provided my XX/XX/XXXX statement, which clearly shows the 0.99 % promotional APR as valid. 

2. **Prompt Resolution of Payment Issue*XXXX : - Upon discovering that my auto pay was incorrectly set to pay the full balance, I immediately contacted Citi and my bank. I promptly made the minimum payment to rectify the issue and avoid further complications. However, despite my quick action, Citi continued to mishandle the situation. 

XXXX. **Misinformation on Payment Attempts** : - When I contacted Citi by phone to stop additional payment attempts, I was incorrectly informed that only my bank could cancel the attempts. My credit union clarified that Citi, not the bank, was responsible for initiating the payment attempts, which caused further confusion and unnecessary fees ( including a return check fee ). 

4. **Inadequate and Automated Responses** : - Citis response letters ( dated XX/XX/XXXX and XX/XX/XXXX ) have failed to address the main issue the representative 's misrepresentation and instead have referenced unrelated promotional periods and late fees, while ignoring the return check fee. This appears to be either an automated response or intentional foot-dragging. 
- I have attached multiple chat transcripts and other relevant documents showing that I was promised my promotional rate would not be affected. 

XXXX. **Ongoing Financial Impact** : - Due to Citis actions, I have incurred additional interest charges totaling {$440.00}, which includes : - XX/XX/XXXX : {$77.00} - XX/XX/XXXX : {$73.00} - XX/XX/XXXX : {$73.00} - XX/XX/XXXX : {$80.00} - XX/XX/XXXX : {$67.00} - XX/XX/XXXX : {$73.00} - I am also requesting a review of any interest charges from XX/XX/XXXX that XXXX have been applied improperly. 
- I have spent a significant amount of time and energy trying to resolve this issue, and Citi has not offered any meaningful resolution.
Consumer complaint received 2024-09-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Onity Group Inc. (PA)

The mortgage company had escrowed the property taxes into the mortgage payment. During the month of XX/XX/XXXX I received a notice from the county tax bureau that the home was being sold for non-payment of taxes. I contacted the mortgage company and they said they would resolve the matter. As it turns out, they had not paid the taxes for the years XXXX, XXXX, and XXXX. The combined taxes, penalties, and other costs come to over {$6900.00}. Now they are trying to assess me for the those fees. I had requested a payoff estimate which should have been around XXXX. They are now asking for XXXX to cover the closing cost and the escrow shortage they created.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (RI)

My wallet was stolen with my ID and Social Security Card. Multiple fraudulent accounts have been opened. When I first received a copy of my credit report in XX/XX/2023, I found the accounts to be errors. The company Discover Bank has two different accounts ( XXXX & XXXX ) with addresses of which I have never used and or never resided. I have been asking for months for a signed contract with my signature and they have failed to do so. Yet, they have sent me letters that have a different account number ( XXXX ) on it with the same balance as ( XXXX ). On the bill that was sent to me with account ending in XXXX has an address that I have never resided at. Account ending in XXXX has two bills with both a XXXX balance, one with an address that I never lived at and a po box that I have never owned. Also, I received a letter from Discover Bank stating that " After completing our investigation, our records indicate we have not placed the inquiry referenced in your dispute on your credit file that is viewable by us. You may be seeing a promotional offer or an account review inquiry that is only viewable to you and not viewable by other creditors. '' how can I have an account with no inquiry from them in their records. I have attached the letter with the above statement and all documents that has sent me. And, also attached is my original police report that has the account number that was first on credit report. New Identity Theft Report
Consumer complaint received 2024-09-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (FL)

To Whom It May Concern, I hope this letter finds you well. I am reaching out regarding a recent review of my credit report. Upon examining the report, I discovered a collection account from Rent Recovery Solutions, reported in XX/XX/year>. 
I am writing to provide some context and appeal for your understanding regarding this matter. While I fully acknowledge my financial responsibilities, unfortunately, I found myself in a situation where I fell behind on payments due to extenuating personal circumstances. Specifically, I had cosigned for a financial obligation without being made aware that payments were not being made in a timely manner. As soon as I became aware of the situation, I took immediate action to rectify it by paying off and subsequently closing the account. 
I am currently in the process of applying for a mortgage, and it has come to my attention that this collection account could adversely affect my ability to qualify for the loan. I firmly believe that this isolated incident does not accurately reflect my overall creditworthiness or my commitment to fulfilling my financial obligations promptly. 
Given the circumstances and the steps I have taken to resolve the issue, I respectfully request that you consider making a goodwill deletion to remove the collection account from my credit report. Doing so would greatly alleviate the potential negative impact on my credit profile and significantly improve my prospects for securing the mortgage I am seeking. 
I genuinely appreciate your time and attention to this matter. Thank you for considering my request, and I sincerely hope for a favorable resolution.
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

XXXX : Immediate Release of Funds Unjustified Hold on {$3000.00} Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX* To Whom It May Concern, I am filing this complaint regarding an unjustified hold placed on a payment of {$3000.00} made to my PayPal account. This payment was authorized by the customer for XXXX XXXX and both the customer and their sister, who owns the debit/credit card used, have provided authorization. I have attached copies of both the customers and their sisters ID as evidence of authorization, which should have been sufficient to clear this transaction immediately. 

Initially, PayPal stated that the funds would be held for 24 hours for review to verify authorization. Despite this, more than 24 hours have passed, and now I am being told that the funds will be held for 21 days. This is both unprofessional and unreasonable, especially considering that the XXXX XXXX XXXX is scheduled for next week. I can not perform this service without being paid upfront. 

The transaction was fully authorized by both parties involved, and the customer has confirmed that the funds were deducted from their account. There is no legitimate reason for PayPal to continue holding my money. Your teams failure to thoroughly review this matter and promptly release the payment is not only obstructive to my business but also in violation of fair business practices. 

As this hold directly impacts my ability to provide services, I am demanding that PayPal release the {$3000.00} payment **immediately**. Should this issue not be resolved without further delay, I will have no choice but to pursue legal action to recover my funds and any related damages. 

This situation is unacceptable, and I expect an expedited resolution. Please take a look at the attachments. 

Sincerely, XXXX XXXX Paypal email XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NY)

Ive had this card for about XXXX months and it seems like every month. Theyre charging me a late fee saying that I did not pay my bill. On this particular month, yesterday to be exact, I was told that yes I did sign up for automatic payment, but then later I cancelled it. This was XXXX representatives explanation. The other representative after the call dropped told me that my bank canceled the automatic payment. These sort of things make me very suspicious because I have numerous credit cards and have had no problem with the automatic payments on any of them. This, problem with this company is an ongoing issue
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I received a debt notice, along with renewed judgment, on XX/XX/year> in re : transactions that were not made by me. I never gave written consent to XXXX XXXX XXXX, XXXX XXXX XXXX, nor XXXX XXXX XXXX ( XXXX ) to report or furnish my information on my consumer report or any other entity.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

I used my cash app card to make a purchase for {$850.00} on XX/XX/year> at XXXX XXXX XXXX. On XX/XX/year> the transaction settled. Then the following day i log into my account and my balance is negative- {$850.00}. I look at my transactions and see that there's another charge for {$850.00} that is pending that wasn't there the day before. I contacted cash app and according to them the merchant double authorized {$850.00} which caused my balance to go negative so I contacted the merchant and after they checked their payment system they said they don't have any other pending authorization holds open. 

" XXXX XXXX, We double-checked our payment processing system and only found the charges of {$100.00} and {$850.00} from XX/XX/year> in our system. There are no pending charges or holds in our system. I would suggest reaching out to your bank to inquire about releasing the hold since it is not within our system. 

Please let us know if there is anything else we can do to help! '' So I contacted cash app support and they said the merchant is lying and that they can't release the hold they said only the merchant can cancel it.. but I've already confirmed with the merchant there isn't anything to cancel on their end! Cash app won't cancel the pending charge and is wrongfully witholding access to MY money. This isn't the first time this has happened either. They can't keep putting holds on people 's money and lying that it's a issue on the merchants end.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, I am devastated by the way how citi bank treats me. My account was opened on XX/XX/year>, since that they've requested signed documents from me to verify my credit card. I sent everything to them, meanwhile they charged annual fee, for the account that is under review. Whenever I called or tried to login there was an issue to access my account, so I wasn't able to check my account even to make payments, was told that it's ok while my account is under review I don't have to make a payment. Eventually somehow I was able to make a payment by phone, but it was returned, and I suspect they got wrong account number by phone and I wasn't able to check it online, because of I wasn't able properly see my account and fix it. Last time I spoke representative told me that they have all documents and just processing it and I just need to wait. Now I login to my account it is showing closed account 32 days past due. I am so disappointed and frustrated with the way they handled my account. They ruined my credit, I never had any closed account or late payment, but they created situation when you can't get proper information about what's going on, when they misinform about account status and payment status. Please help me to reopen my account, I sent documents they requested, I did my best to do payments despite no getting any information regarding my account due to hold on it. I don't know what to do, I feel like they did everything to eventually close my account.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I HAVE SENT THIS LETTER OVER AND OVER AGAIN TO OPT OUT OF HAVING MY INFORMATION VERIFED OR SHARED WITH ANY CREDIT REPORTING AGENCIES, THIS COMPANY STILL CONTINUES TO HARASS AND TARNISH MY NAME. I HAVE SENT THE FOLLOWING CORRESPONDENCE TO THEM COUNTLESS TIMES YET I AM STILL BEING VIOLATED. 

ChexSystems , Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand to Cease Sharing or Verifying My Information To Whom It May Concern, I am writing to formally demand that ChexSystems immediately cease and desist from sharing, disclosing, or verifying any of my personal, financial, or other information with financial institutions, third parties, or any other companies. At no point have I provided consent for ChexSystems to collect, share, or verify my personal data, and I hereby explicitly state that you never had, and never will have, my authorization to do so. 

In accordance with applicable privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), I am invoking my right to opt-out of all data sharing practices. Furthermore, I demand that you remove my information from any databases under your control that are accessible to third parties and refrain from including it in any future reports or verifications. 

I expect written confirmation from ChexSystems within 30 days of receipt of this letter that my information has been completely excluded from any third-party access, and that no further dissemination or use of my data will occur. 

Failure to comply with this demand will leave me no choice but to take legal action to protect my privacy and enforce my rights under federal and state laws. Please consider this letter as a notice of my intent to pursue all available legal remedies if you fail to comply. 

I trust that ChexSystems will treat this matter with the urgency and seriousness it requires. I look forward to your prompt confirmation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

COMENITY BANK/LNBRYANT XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting 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 the following accounts has violated my rights : These accounts are reporting inaccurate information. 

1.XXXX Account Number : XXXX - XXXX/ XXXX / Equifax 2.XXXX  Account Number : XXXX XXXX XXXX/ XXXX / Equifax
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to follow up on the outcome of my recent disputes regarding inaccuracies on my credit reports. The consumer reporting agencies ( CRAs ) have indicated that the creditors have " validated '' the accounts in question. However, I am submitting this letter along with proof of Metro 2 compliance violations, which highlight inconsistencies and inaccuracies that demonstrate these accounts could not have been properly validated.

Accounts in Question are attached to this complaint Inconsistent Reporting Across CRAs : The reported accounts contain inconsistencies in key data fields, such as the balance amount, date of first delinquency, or payment history. This is a clear violation of Metro 2 compliance, which mandates uniformity in the reporting of credit data under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Lack of Proper Validation : The FCRA obligates CRAs to conduct a reasonable investigation of disputed information. Given the attached evidence, it is evident that the investigation conducted was inadequate and failed to resolve discrepancies.

Failure to Correct or Delete Inaccurate Information : Pursuant to FCRA 1681i ( a ) ( 5 ), if an item is found to be inaccurate or unverifiable, the CRA must correct or delete the information. The CRAs reliance solely on creditor validation without addressing the evident inconsistencies violates this provision.

Metro 2 Data Reporting Standards : The Metro 2 format requires that data be accurately and consistently reported across CRAs. Attached, I have provided documentation showing that the accounts in question are non-compliant with these standards, which further calls into question their validity.

Applicable Laws Supporting My Claims FCRA 1681e ( b ) : CRAs are required to follow reasonable procedures to assure maximum possible accuracy in the consumers credit report. The inconsistencies and errors identified clearly violate this section.

FCRA 1681i ( a ) : When a consumer disputes information, the CRA must perform a reasonable reinvestigation. The lack of effort in resolving the discrepancies outlined herein suggests non-compliance with this requirement.

Fair Debt Collection Practices Act ( FDCPA ) : If the creditors reporting these accounts are considered debt collectors, their failure to validate these accounts may also violate 15 U.S.C. 1692g, which requires validation of debt upon dispute.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX : Account Number : XXXX - Balance : {$9900.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX : Account Number : XXXX - Date Opened XX/XX/XXXX XXXX XXXX : Account Number : XXXX - Balance : $ XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX : Account Number : XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX : Account Number : XXXX - Balance : {$2000.00} - Date Opened XX/XX/XXXX XXXX XXXX  XXXX : Account Number : XXXX - Balance : {$410.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX : Account Number : XXXX - Balance : {$9.00} - Date Opened XX/XX/XXXX XXXX  XXXX XXXX : Account Number : XXXX -Date opened XXXX XXXX, XXXX XXXX XXXX XXXX : Account Number : XXXX -Date opened XX/XX/XXXX, XXXX Balance {$550.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (FL)

I recently checked my consumer report and found inaccurate information. Exeter Finance LLC inaccurately reported multiply months as late with no change in between the months, this is a violation of the FCRA and is causing damages to my credit.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

I had my information compromised both in a job scamming network as well as data breach, I had already made a police report and as well reached out to the pertinent companies in order to dispute charges and discrepancies. I am now submitting this complaint due to noting I have heart inquiries I did not do, please see below for the heart inquiries and dates that I did not perform : PENTAGON FCU-XXXX  Inquiry : XXXX XXXX, XXXX PENTAGON FCU-XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX PENTAGON FCU-XXXX  Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2024-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (TX)

I purchased a car from Carvana on XX/XX/year>. 
I chose Carvana because I was persuaded by their promises to be fair, honest, and that their new way to buy a car was the best idea. 
I was wrong. 
I paid almost {$18000.00} for an old XXXX with over XXXX miles. 
I was charged 19 % interest and after paying for almost 2 years, my principal balance hasn't reduced much. 
Then I went online and read their earnings release bragging about record high profits per car. 
No wonder my loan amount is like XXXX the value of my car. 
They are misleading innocent consumers and ripping people off.
Consumer complaint received 2024-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MI)

I Was unaware of this debt. I did not have a opportunity to dispute this information. If in fact you believe you give me proper notification. Please send me the certified mail receipt with my Signature. Also can you furnish the contact or agreement between you and i .With me Signature as well
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.