davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

When we opened the business account XXXX we were told that there would be no fees associated with the accounts. The remote checking and the fee for having the account would be complimentary XXXX. However, we were assessed fees on the XXXX account every month. When I brought the fees up, the Citibank representative XXXX XXXX XXXX told us she would address it, but never did. Apparently, she left Citibank XXXX XXXX XXXX for another branch. I have talked and emailed XXXX XXXX, the manager at the XXXX XXXX XXXX branch, many times and received no resolution. 
I have gone physically to XXXX branches ( XXXX, XXXX XXXX, XXXX XXXX XXXX, spoke to multiple individuals over the phone and spoke multiple times on the citibusiness hotline XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, but received no resolution. I have multiple emails of me following up XXXX 
All the representatives from other branches have told me to go back to Citibank XXXX XXXX XXXX, which is where we opened the account but I am not located in that area. In XX/XX/XXXX2014, when I went to Citibank XXXX told me that I should be able to resolve the issues at any Citibank I walk into since it should not have to be a home branch. They made multiple attempts to resolve this from what XXXX told me, but XXXX XXXX and the XXXX XXXX XXXX district never followed up. It was not until XXXX/XXXX/2014 when I followed up with closing the account that XXXX XXXX made an effort and stopped the fees from incurring. 

I have spoke to XXXX XXXX, the district manager, on XXXX/XXXX/2014, who told me that it is my fault for not bringing up the fees with the accounts within a 3 month time frame. 
I work full time XXXX and help out my mother XXXX. I do n't have time to pursue this issue full time. It has been incredibly frustrating to have to go through so many individuals at Citibank and receive no resolution at all. My impression is that it is easier for Citibank not to reach any resolution in order to continue incurring fees onto the account. A resolution to stop future fees was finally made on XXXX/XXXX/2014 when I told XXXX XXXX via email when I asked for the account to be closed.
Consumer complaint received 2023-02-12
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. (IL)

As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal.

Also you are not reporting Fair and accurate reporting to my consumer report.

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

Remove account immediately this account is not in compliance with the FCRA fair and accurate reporting. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-12
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: Experian Information Solutions Inc. (CA)

After reviewing consumer report, I noticed unauthorized inquiries on my credit report. Below are the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-10
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: SYNCHRONY FINANCIAL (CA)

Paypal and Paypal Credit are two entities operating under seemingly one banner. Under the surface, they apparently cooperate to collect debt or charge one or the other 's customer accounts but, should Customer Services be needed - such as in settling a dispute- they don't act as though they are able to cooperate at all.

I purchased an item with Paypal Credit for {$1500.00} from XXXX XXXX XXXX on XX/XX/2022. When the vendor ( XXXX XXXX XXXX ) told me they did not actually have the item to ship to me, I asked the vendor to cancel my order and refund my Paypal Credit account. The vendor wanted to charge me a " restocking fee '' and would not refund the full amount of my order.

I contacted Paypal Credit to dispute the charge with the above mentioned rationale. This is where the issues pertaining to this complaint begin. The Paypal Credit representative disputed the wrong charge - from a totally different vendor- in their system. I found this out a few weeks after the fact when the vendor with legitimate charges contacted me asking why I had disputed the transaction. I reached out to Paypal Credit to get them to fix their mistake and dispute the correct charge. After 3 or 4 separate attempts ( spanning several weeks ) to have Paypal Credit resolve their own mistaken dispute, XXXX XXXX XXXX agreed to refund the entire amount of my purchase without a restocking fee - and they did. After my Paypal Credit account was refunded by the product vendor, Paypal Credit processed the corrected dispute against that vendor and my account received a duplicate refund for {$1500.00}. That was in XXXX. 

Now it is XXXX and Paypal Credit wants to settle the matter of duplicate refunds- which I agree should be settled. My complaint is that they have pushed the debt to the Paypal side to be settled in cash and now i'm getting collection letters from Paypal. This was never a debit transaction. This was always a credit transaction and Paypal Credit 's mistakes lead to the duplication of refunds for this item. I have been trying to work with Paypal Credit to settle the matter by charging my Credit account but each company keeps pointing their fingers at each other while I continue to get debt collection letters in the mail. 

Neither entity seems capable of resolving the issue and I am nearly at my wits end with them both.
Consumer complaint received 2015-11-28
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (VA)

I took out a loan to pay off several Credit cards, XXXX of them being Citi and Citi XXXX. I have XXXX Citi cards and XXXX Citi XXXX card. I was going to payoff XXXX of the Citi Credit cards and the Citi XXXX and just have the Citi Credit card. The checks were mailed out on XXXX, XXXX. The XXXX Citi Credit Card was paid off XXXX XXXX, I kept waiting for the XXXX card to be paid off, and kept getting calls for late payments. when I checked the XXXX Credit card., it had a credit of over XXXX the check written to CITI XXXX was used to pay the card I intended to keep open. I have had numerous calls to Citi to get this resolved, I never get to speak with the same person, I spoke with Citi around the XXXX of XXXX..to let them know of the error that was made.and was told that they would investigate and let me know in 5-7 days. When I had n't heard anything, I called again on the XXXX I was put on a conference call with Citi, Citi XXXX and the bank to verify the check had cleared and written to CITI XXXX, which was verified, I was told by a Citi supervisor named XXXX, that he would take care of it within 5-7 days. This past Monday I had n't anything so I called again I asked to speak with XXXX, and got a supervisor form Maryland, who said she could see all the calls that have been made, and that XXXX did n't follow through, she was going to expedite and would call me on Friday the XXXX. she had said that she hoped that everything would be fixed, but with the holiday, may not be resolved, but she would call. Well no call .... My wife has been emailing also so we have a record. Today we received an email that we would receive a letter within 30 days detailing the results of the investigation. Meanwhile, Citi health is calling and emailing wanting a payment
Consumer complaint received 2023-02-12
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: Experian Information Solutions Inc. (SC)

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy.

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of Hard Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Hard Inquiries that needs to be removed. 
XXXX XXXX XXXX XXXX, XXXX. Someone hacked into my account and tried to apply for a credit card, XXXX XXXX XX/XX/XXXX, Someone used my SS to try to apply for a credit card. 
XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX  XX/XX/XXXX not mine XXXX XXXX XXXX XXXXXX/XX/XXXX not mine 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 2023-02-12
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. (LA)

In accordance with the Fair Credit Reporting act the following accounts has violated my rights, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX Bank # XXXX, XXXX XXXX XXXX XXXX # XXXX & # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX & # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # 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 a account without my written instructions
Consumer complaint received 2015-11-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (VA)

I Discovered an account serviced by midland funding on my credit report that was not mine. in effort to remove it, i paid the attorney representing midland the funds. In addition, i 've asked midland for a full validation of the debt which they have not provided after asking several times. The funds were paid to the attorney on XXXX XXXX however midland is reporting as of XXXX XXXX the account is open with a full balance.
Consumer complaint received 2023-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Experian is reporting and updating a charge off from XX/XX/2020. 
The following account was charged off as of XXXX XXXX Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history which to my understanding, charge off accounts should NOT include an active payment history. Need I remind you this also falsey manipulates the statute of limitations.
Consumer complaint received 2023-02-12
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX  with the account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX account name XXXX XXXX has violated my rights according to 15 usc 1681 section 602 8 states I have a right to privacy 16 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your aacount without my written instructions.
Consumer complaint received 2015-11-30
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (TX)

I have been told several times by Citibank that I am a preferred client. I tried many, many times to determine why I could not pay the IRS with my Citibank online BillPay account. I finally received a letter from Citibank stating " this service is no longer available for the IRS, as we have encountered servicing issues with them. '' I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

I complained to Citibank and asked XXXX ( XXXX ) very SPECIFIC questions, as follows : Why did n't Citibank give me this information in the first place? 

Why did I have to drag ( XXXX TIMES!! ) this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I even stated my expectations in my complaint, as follows : I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions. 

I received a Citibank letter, dated XXXX XXXX 2015, which is attached. 

CITIBANK, OF COURSE, DID NOT ANSWER MY XXXX QUESTIONS! 

THE LETTER WAS JUST ANOTHER EXAMPLE OF POOR COMMUNICATIONS FROM CITIBANK!
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc. (WI)

I have received calls from this number on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I do not have any outstanding debts and have requested the caller send me physical mail of their collection request. I have never received any mail from them. They call about once a month asking for sensitive information such as my SSN and mailing address. Their phone number also does not match the XXXX XXXXXXXX XXXX XXXX phone number. The phone number of the caller is XXXX.
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (CA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$890.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$8500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2022
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (CT)

Ive contacted the fraud department. I have submitted several police report documents along with the FTC and CFPB. I was told by a supervisor that this account will be updated enclosed in blocked from my credit report, and I have a lifetime ban from receiving any future cards from KeyBank, because of the fraud that was committed in my name.
Consumer complaint received 2015-10-26
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: TMX Finance LLC (MD)

I took out a title loan for {$2600.00} from Titlemax on XXXX/XXXX/2015. The company advertised same day cash. When I finished the paperwork the company cut me a check which was a breach of the agreement. I took the check to the bank it was drawn off of, XXXX, and they informed me they could not honor the check until they spoke directly with the guarantor of the check. I called the location and the check was no honored until the following day. I am currently 19 days past the due date of my loan and Titlemax has sent a truck to repossess my vehicle. I called Titlemax after they opened to take care of the overage and was initially told I would have to make 2 months payments. After getting to the location I was then informed I would have to pay the full balance of the loan. I asked them for a copy of the loan and on the contract it showed that {$2700.00} was actually financed. They also told me I would have to pay and additional {$400.00} for the towing fees. This is an attempt to strong arm me out of my vehicle. Also they told me I could NOT sue them in court and when I looked over the contract again there is a stipulation in there that you wave all rights to sue them in court for disputes.
Consumer complaint received 2023-02-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

ON XX/XX/2022 THERE WERE XXXX UNAUTHORIZED XXXX TRANSACTIONS THAT OCURRED FOR {$300.00} AND {$500.00} ON MY WELLS FARGO ACCOUNTS. UNDER REGULATION E THE BANK HAS THE OBLIGATION TO REFUND ME THE MONEY IF THERE WAS AN " ERROR '' THAT OCURRED. THERE WAS IN FACT AN ERROR BECAUSE I DID NOT COMMIT THESE TRANSACTIONS. I AGREED WITH THE BANK TO CLOSE MY ACCOUNTS AND OBTAIN NEW ACCOUNT NUMBERS. THEY NEVER REFUNDED ME MY XXXX DOLLARS AND TOLD ME IT WASNT A SCAM AND IM THE ONE WHO DID THE TRANSACTIONS. THESE WERE IN FACT A SCAM AND MY INFO WAS COMPROMISED. I REPORTED THE INCIDENT ASAP TO WELLS FARGO BUT THEY LOOKED THE OTHER WAY AND NEVER REFUNDED ME THE MONEY. I AM WRITING TO YOU FOR A SOLUTION BECAUSE I WANT MY MONEY BACK.IT IS NOT FAIR THAT A BANK IN WHICH YOU PUT TRUST INTO TO KEEP YOUR MONEY DOES NOT WANT TO GIVE IT BACK WHEN IN FACT IT WAS STOLEN BY A CRIMINAL. I ATTACHED THE DENIAL LETTER FROM THEM IN WHICH I DONT AGREE ON
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied under the doctrine of estoppel By the silence of engelhardt v gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX