davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (IL)

XX/XX/XXXX - XX/XX/XXXX : I spoke with a representative with my borrower service ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, mygreatlakes.org ), requesting a payoff amount for two of my four remaining loans. I wanted to pay these two off by XX/XX/XXXX and received information ( email ) on what the total pay off would be.I also asked if the standard monthly payment was required and I was told IT WAS NOT. 

XX/XX/XXXX : Payment was received and cashed ( both checks ) by Great Lakes.. by XX/XX/XXXX. 

XX/XX/XXXX : I spoke with a representative asking that the payments be applied correctly and as I requested. Payment was applied across all four loans instead of solely the two I requested, leaving an outstanding balance on a loan that should have been completely paid off at this point. The representative informed me that the monthly payment needed to be made first, before the additional payment sent could be applied across other loans. Again, I specifically asked if this needed to be done prior to sending any payment, to which I was answered with, NO, MONTHLY PAYMENT IS NOT REQUIRED. The representative had to contact finance to see if the loans could be applied the way I had asked. 

*Please Note : At this point in time I am already about 1 year paid in advance for all of my outstanding loans. I also receive monthly emails stating, for example, the most recent, " Total Amount Due by XX/XX/XXXX, {$0.00}. '' XX/XX/XXXX : I spoke with the same representative from XX/XX/XXXX, who informed me that finance could not do anything about the situation, and that monthly payment had to be made and applied before additional monies could be applied to other loans - Once again, NOT THE INFORMATION I WAS GIVEN. Now, I have to make an additional payment in order to pay off one of the two loans I  originally requested to be, and I am now paid ahead until XX/XX/XXXX at this point! 

XX/XX/XXXX : I will be writing a check for the outstanding amount, and will need to pay extra, again, to have the mailing expedited, to be sure payment is received prior to XX/XX/XXXX, finally wiping out the second of two loans I originally requested to paid off.
Consumer complaint received 2018-04-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (VA)

XX/XX/XXXXWells Fargo informed me that my IRA account was levied by Virginia Department of Taxation. This was an illegal levy and was removed within 24 hours. Instead of Wells Fargo placing the {$100.00} back into my IRA account they closed the account? This illegal levy caused one check to bounce and fees was removed from checking account. I contacted Wells Fargo Executive offices and explained what has happened for weeks and was informed that a check in the amount of {$90.00} ( after taxing my {$100.00} ) was mailed to me on XX/XX/XXXX. XX/XX/XXXX I called again explaining that I have not received my refund check and the lady informed me after 2 hours that the check was deposited into a XXXX Account. I have never banked at XXXX, my address was not on the check when I received a copy of the check, Wells Fargo has not contacted me as of today 's date with any explanation on resolving this issue and why was a cashiers check issued instead of direct depositing into any of the Wells Fargo accounts?
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX  Account # XXXX XXXX XXXX  Account # XXXX US DEPT ED. 
Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 states I have a right to privacy 15 U.S.C 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-05-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (CA)

I no longer have my breakdown loans paid off or discharged but I do have my chapter XXXX discharge papers. My Citibank 2nd mortgage amount of about {$400000.00} subsequently discharged on XX/XX/XXXX. Citimortgage possessed a junior lien on my property that was subsequently stripped by the Chapter XXXXBankruptcy Judge in XXXX CA around XX/XX/XXXX due to the property being upside down. The last payment I made on this account was posted on or about XX/XX/XXXX. 

Two days ago I received a letter that looks like they are attempting collection efforts. I called and spoke to XXXX at number on letter and he said your agency is requiring them to resend these letters to all consumers to have for their own information. The letter shows they received payments after that thru XXXX, which can not be legally possible due to lien strip. 

I stilll dont feel comfortable with Citibanks reply today and I feel they are still attempting harassing collection efforts.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (LA)

I opened an XXXX credit card to pay for 4 new tires at the XXXX located at XXXX XXXX  XXXX XXXX, XXXX, LA XXXX. I did this on XX/XX/2018, agreeing to pay the initial balance of {$570.00}. Since then, I received no notice, statement, credit card or any information about how to pay this bill until I started receiving phone calls from Citibank saying the bill was past due. When I opened the credit card, I was told that a new card would be mailed to me and then I could use that card to open an account online. Since I never received the card, when Citibank called me I was unsure if this was a fraud phone call since I did not know who was servicing the XXXX credit card. That day, I asked for a mailed statement. I then asked about the address associated with the account and was told that the account was opened under then wrong address. I received my first statement about one week ago around XX/XX/XXXX. This statement had the account number on it but not the credit card information. Today I called the customer service number listed on the statement and Citibank employees then told me that I need to pay the late fees associated with the account. I am disputing the late fees since I had no way to access the account or the billing statement. 

I have still not received the physical credit card or any communication from XXXX. As such, I can not register to pay online with the website listed on my statement ( XXXX ) because I do not know the credit card number or security code and have no way to access that information. A citibank employee told me that I can not access that credit card number over the phone -- and falsely told me I can register for an account using my account number. I then tried to settle the initial balance online using the account number and was unable to do so. Please let me know if you would like a recording of this phone call. Again, I am disputing the late fees since I just received a billing statement 2 months after opening the account in person.
Consumer complaint received 2022-03-04
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: CITIBANK, N.A. (MO)

XX/XX/XXXX I purchased XXXX XXXX spring training baseball tickets through my Citi XXXX XXXX Card for a XX/XX/XXXX game with the XXXX XXXX XXXX in Florida. Total charge was {$530.00}. I had to travel from my home in XXXX XXXX, Missouri to attend that game. Early in XXXX - XXXX XXXX XXXX cancelled spring training due to the Corona-virus - thus no spring training games were held in XXXX. XX/XX/XXXX - I disputed the transaction with Citi XXXX XXXX- stating I should not have to pay for a game that was not held. After completing all the dispute process steps, talking with XXXX and the XXXX XXXX, I received a e-mail from XXXX  on XX/XX/XXXX ( the company that sold the XXXX XXXX tickets ) that stated the following : " The dispute has been resolved in merchant ( XXXX XXXX ) favor, as decided by your financial institution ( Visa ). Subsequently on XX/XX/XXXX I cut up my XXXX cards and sent them back to XXXX with a letter closing my account, because XXXX insists I pay for a product that did not exist. Since then XXXX has reported my account as a bad debt and sent it to a collection agency, and the collection agency ha also reported it as a " XXXX '' bad debt. These actions are wrong as I should not have to pay for something that I did not receive and did not exist. 

Recently a second XXXX  credit card ( XXXX XXXX- which I have had since XXXX ) - also issued through Citi - has been closed ( not renewed by XXXX ), as Citi has a policy of not renewing credit card accounts if the customer had an account closed by XXXX  ( note : I closed the previous XXXX account - the company did not ). I believe Citi 's actions in both credit card cases are bad business practices and have defrauded me.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2019, I received a letter from XXXX XXXX, from XXXX XXXX Office of the Customer, stating that my account would be reported as current starting XX/XX/2019. I am attempting to refinance my mortgage, and XXXX has not updated the reports to the credit bureaus. After attempting to contact XXXX, I was told that someone has verify that what XXXX XXXX did was correct. I have attached the letter sent to me by XXXX XXXX. As I stated, I am trying to refinance my mortgage, and XXXX`s incompetency is preventing me from doing so.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I set up my checking account to make my Best Buy monthly payment on XX/XX/2018, the due date. I received an email confirming that and have attached it and never received any other type of notice contradicting that. Today XX/XX/2018 I receive a statement from Best Buy showing a past due balance indicting my payment on XX/XX/XXXX wasn't processed. I contacted customer support, they confirmed that I set up the checking account to make a payment on XX/XX/XXXX but say the payment didn't process properly because I removed my checking account from their system and while that is correct, I do not want my checking account info on Best Buy 's or any other company 's website, it shouldn't have stopped my payment from going through since the payment was confirmed by email. Apparently Best By 's only payment method is by recurring payments through a checking account but I am not comfortable with that since so many companies are having security issues. The representative was kind enough to withdraw the late fee but my records will reflect that I missed my payment and that is not true. I MADE MY PAYMENT ONTIME. I received an email confirming the payment was setup and there is no legitimate reason the payment didn't go through and there is absolutely no reason my credit should be affected by their mistake.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Oklahoma Student Loan Authority (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

OK Student Loan Authority, has violated my rights. These are the accounts I demand removal Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

XXXX-I was sent {$38.00} dollars XXXX-I was sent {$700.00}. 
I have been paying friends and family through this app. When I went to transfer my funds to my bank, they froze my account. I sent them all the necessary bank statements and DL and the closed my account. They have {$730.00} of my money and will not return it. I need to pay my rent. This is a horrible thing to do during a pandemic. Ive been dealing with this since XX/XX/2021 and now Im out of {$730.00}!
Consumer complaint received 2018-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (AR)

I got a notice on my XXXX XXXX file of a decrease in my credit score today on XX/XX/XXXX. I logged in and see that there is a company called Midwest Recovery Systems that has placed 2 medical collection accounts on my credit report with dates of service and date of first delinquency in XXXX. I have never received any information about either of these debts. I do not recognize them and do not believe they are mine. They are listed as {$460.00} and {$710.00} dollars on my XXXX and XXXX reports from a hospital. Under type of debt it is blank. These debts are not mine, and I have never received any information pertaining to these debts and have not been given the opportunity to dispute them. 
Thank you. 

The creditor information listed is : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (AR)

Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # s, XXXX - XXXX XXXX ; XXXX - XXXX XXXXA 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 an account without my written instructions
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I have a problem with Wells Fargo Bank someone took out over XXXX on my account idk how but they did they took over the account the chage the email and they even chage the Pic od m ID to make it look like it's them instead vof me I tried talking to they all told me it's a online problem talk to the number on that back, I did that the people from the phone told me there's nothing they can do on thete end to go to a branch better so I spoke to the manager from the XXXX XXXX XXXX in XXXX XXXX she said its not our department that's a online problem or go to another bank because of all that running around back n forward they ended up closing my account that they dint want nothing to do with me when I tried opening a account again it wodint let me that Money I still haven't seen it I been repoint I making claim no one can help me at all instead they close my account n push me away that money was my 3 pandemic check that I never got to use I was late on rent even got kicked out of my home because I was depending on that money for rent that wen I tried getting the money out theybwoudint let me because I dint have a physical ID I had to go to the dmv to get a slip to get a proven by then I became XXXX  lost job what's the point of fraud if they can solve my problem Ima take this to legal matter in court
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX bankruptcy, Reference Number XXXX, Date Filed XX/XX/2017, Date Resolved XX/XX/2017, Court Information, US BKPT CT FL XXXX, Address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX, Phone Number ( 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 also states, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank changed the amount of transfer taxes on the day of settlement. 

TD Bank was disclosed the proper amount on the original purchase and sales agreement and only listed 1 % on the GFE rather than the 2 % listed on the purchase and sales agreement. On the day of settlement, they changed the amount to 2 % increasing my closing cost. There was never any change to the transfer tax amount through the entire process. 

TD Bank is stating they were allowed to make this change.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct # XXXX, US DEPT ED Acct # XXXX, XXXX  Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX Acct # 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 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-04
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-04
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-04
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. (FL)

I bought a 2021 XXXX XXXX in XXXX of 2021. XXXX XXXX has the loan on it and I have made all monthly payments to date. XXXX will not report this to the credit bureaus and as a result it has and continues to have a negative impact on my credit score.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I bought a 2021 XXXX XXXX in XXXX of 2021. XXXX XXXX has the loan on it and I have made all monthly payments to date. XXXX will not report this to the credit bureaus and as a result it has and continues to have a negative impact on my credit score.
Consumer complaint received 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I put an alert on XX/XX/ due to because of errors from creditors who are not unable to send me anything and the bureau still has nothing to verify but just giving a run around.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NY)

I contacted XXXX XXXX, Mortgage Loan Officer, NMLS ID # XXXX at PNC Bank in the beginning of XX/XX/XXXX about getting pre-qualified for a loan. We had several phone conversations and sent several emails over the course of a few days. Since XX/XX/XXXX, I have been trying to reach him. He has not returned my phone calls, texts or emails. He has gone completely MIA.