davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I had a payment schedule with Citibank for my general purpose credit card scheduled for an amount of {$300.00} on XXXX and received a confirmation email on XXXX stating this is the amount that would be drawn. Citibank drew the full statement balance for {$5700.00} from my account on XXXX without authorization. Citibank posted this as a payment to my statement even though the financial institution who holds my checking account declined the transaction as it would have significantly overdrawn my account. They have charged me a returned check fee of {$30.00} and have sense removed access from the card. I contacted Citibank on XXXX through their online chat and the agent was not helpful and said I can only resolve the issue by calling the bank myself. I then called the bank to address with them their error that was made and asked them if it is legal for them to draw an amount greater than what was authorized and confirmed through email by them ; to which no agent would answer. I demanded they supply to me a copy of the terms of agreement of my auto pay to review. After being transferred multiple times and being placed on hold multiple times as well. I finally ended with an agent named XXXX XXXX employee # XXXX ) who told me he was unable to provide me with the terms and conditions of this agreement. I bluntly asked him if a financial service provider is legally required to provide the terms and conditions of a contract to the consumer upon request and he would not answer the question. I told him that we both know the answer to the question is undoubtably yes and it is clearly stated on the CFPB website that this is a requirement. Ultimately I spent over an hour on the phone with Citibank, who has given me no answer to why they charged a significantly greater amount than what was unauthorized and Citibank has refused to provide me with a copy of the terms and agreements I accepted when enrolling in their autopayment program.
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (IL)

Hi every week it seems to be a problem with my score going up and down. I have been paying off vehicles and credit cards and my credit score continues to decrease, and Im removing debts. I call they cant explain why this is for XXXX and Equifax. Yesterday I called Equifax because I received a notification from XXXX XXXX a 3rd party that my credit card was closed for XXXX and Equifax. I called to find out what card because I hadnt closed any credit cards. My score was reduced XXXX point for that on both bureaus. I was told in the notification it was for a credit card I never received and never had with synchrony pay pal. I advised I had an account with pay pal but didnt own a credit card with them. I called pay pal to confirm as well. They had no cc for me. On my report it shows this same credit card was closed XXXX of XXXX. So not only did I not have a credit card with XXXX XXXX XXXX, the account has been closed almost 8 years. So how can you close a closed account, you cant close an account twice. So neither of the bureaus are trying to give my points back that were taken, I put in a dispute with both bureaus already, as I was discussing it with Equifax the agent hung up on me, because she wanted to do all the talking instead of listening to my complaint. In addition to this someone from XXXX put in a request that I didnt ask for to remove my mortgage from my XXXX credit report, and my mortgage company did and that reduced my credit score XXXX points from a request I didnt ask. I requested my balance be updated, but a XXXX agent requested it to be removed, I am now going back and forth with my mortgage company to add back to my XXXX report. But these Bureaus are not customer friendly and a lot of them dont understand XXXX well. I would like to get my credit score points back and these issues resolved. Thanks in advance
Consumer complaint received 2015-09-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

Good morning, I have tried to apply for a decrease in payments with American Education Services. I called mulitiple times and I was told in XXXX I was approved for a {$50.00} payment but when calling in XXXX to make a payment I was told by a representative the request was denied. I told the rep I didnt understand because I was told I was approved. I can not afford the high payments given by AES and this company continues not to make this easy. I am a single parent receiving food stamps and still works a full time job and I need some help. This situation has caused me to be hospitalized in XXXX due to the stress of not being able to afford these payments. I do not know what to do please help me.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

On XXXX XXXX, 2022, I called Goldman Sachs to initiate a {$30000.00} wire to an escrow account as part of a home purchase. The representative said he was unable to send a wire-in-progress or confirmation email. Instead, he shared an internal escrow wire reference number. 

Because it was late in the day, I understood the wire would likely be processed the next day. Instead, XXXX XXXX came and went without the escrow being processed. The funds remained in my account. 

On XXXX XXXX, I called customer service and was told it was in progress. Unfortunately, they did not tell me if I needed to verify any details or if there was anything I could do. They simply told me that some wires take one to three business days, and because I started the wire in the late afternoon on XXXX XXXX, XXXX XXXX was technically only the second business day. 

My escrow XXXX told me Goldman Sachs called her on XXXX XXXX to confirm the wire transfer details. She promptly gave the instructions that morning. Still, the wire was not sent, and the funds remained in my account. 

On XXXX XXXX, I called Goldman Sachs and asked if the funds would be sent, as it was the third business day. The representative told me only that the wire was in progress. However, she let me know that it was the third business day since I initiated the wire, and wires typically take one to three business days.

At the end of the day, the funds remained in my account. The wire had not been sent or processed, even after three business days.

I asked for each representative to send me an email so that I could prove to the XXXX  XXXX and the house seller 's realtor that the wire was in progress. None of them could provide me with the email or anything in writing about the status of the wire. 

I am now at risk of losing my house purchase because I am in breach in contract. My earnest money has not reached the escrow account. I have waited on hold for XXXX hours every day for the last four days. This is unacceptable. 

The Goldman Sachs XXXX wire reference number is # XXXX.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NRA Group, LLC (PA)

National Recovery Agency @ XXXX on Friday XX/XX/XXXX sent a series of text messages to my phone stating that I owe a debt. This is clear violation of the FDCPA where they are not allowed to call/text anyone before XXXX and XXXX to attempt to collect a debt.
Consumer complaint received 2021-04-21
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: Resurgent Capital Services L.P. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... LVNV FUNDING LLC XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-11-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Skopos Financial, LLC (IL)

On XX/XX/2022 I completed a preapproval application for a loan with XXXX XXXX. This had no credit impact so I decided to apply. At that time the company told me I was preapproved for a unsecured loan and a secured loan. I moved forward with the unsecured preapproval option and was approved for the unsecured loan. I was prompted via the website to add my income verification documents and identification for final approval of my loan. After submitted the documentation and verification I was called and told that my loan option had been switched to only a secured loan using my vehicle as collateral. If this would have been stated initially I would never have proceeded with the application which resulted with a hard inquiry on my credit report. It's clear that XXXX never intended to provide me with a unsecured loan. The only goal was to use it as bait to offer we a secured loan. The preapproval for the unsecured loan was false and issued in bad faith as a sales tactic. As a result, I want the credit inquiry from XXXX XXXX on XX/XX/2022 removed from all 3 credit reporting agencies. If XXXX would not have issued a false preapproval for the unsecured loan I would have never applied in the first place. The false preapproval was issued in the hopes that I would accept the secured loan which they attempt to pressure you into taking after you decline it several times.
Consumer complaint received 2022-11-21
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. (TX)

Equifax is showing 1 account in collection that does not belong to me. I have asked 3 times to get it removed but they dont ablige. 
The collection account is from XXXX  reported by XXXX. Equifax has reported back that there is no such account, but its tight there.
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

XX/XX/2022 Dear Sir and/or Madam I have been trying around the clock for XXXX days to submit my complaint. Despite, advice from numerous representatives, every time I submit the complaint your system erases it, and saves failure to submit. I am XXXX, and spending XXXX hours a day for the last XXXX days trying to submit my application. I am in danger of losing my home, but I can not physically keep up with this process. Please send me an email with a fax number so that I can submit my complaint. Thank you! Kindest regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX had contacted me prior to adding a collection account to my credit report. At that time I advised them that the account did not belong to me and was most likely due to losing my wallet some time ago. Since that conversation the debt that isnt mine has been added to my credit report and is reflecting negatively bringing my score down and making it impossible to obtain a mortgage for a house for my family. If I had the money to pay the balance off I would do so but dont believe it is fair since it doesnt belong to me and due to my own medical issues isnt feasible. I ask that XXXX XXXX please stop trying to collect on something that doesnt belong to me and stop making my life more difficult.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Due to XXXX 's XXXX XXXX error, my account that has been closed and inactive for almost 17 months, was sent to collections. I am in the process of disputing with XXXX and XXXX XXXX which has the debt now.
Consumer complaint received 2018-05-27
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. (TX)

I have been trying for months to get a copy of my credit report from Equifax and the website always tells me my information doesn't match their records or that they are unable to process my request ( no reason given ). My information was amongst those affected by the data breach and I already know of one erroneous item on my credit report ( which I had corrected with the other agencies in less than 24 hours ). I can't dispute the account without a confirmation number from a credit report they won't give me. It simply shouldn't be this hard to get a credit report ; it certainly isn't a problem for potential creditors. I've tried the phone number but there is no option to talk to a live person so it tells me it can't help me. My only option seemed to be to send my personal information by mail to these people but it seemed extraordinarily risky. I went ahead and sent them copies of my lease and social security card. I am waiting for some response to this request. It seems to be very easy for everyone except me to get hands on my personal information with Equifax. I have had no problems at all with the other credit reporting agencies. Their systems are very efficient. Equifax is too inept to have so much power over people 's lives.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

Application reference number : XXXX I applied for a XXXX XXXX credit card that is issued through Synchrony Bank. On XX/XX/2022, I received a letter from Synchrony Bank to call customer service to very my identity. I called the number XXXX on XX/XX/2022. I was directed to go to a website which is used to verify my ID. The process involved me taking a photo of my state driver 's license and record a short video of myself and upload it to the site at which time I did. When I recorded the video, I was at my job and in my uniform which is a XXXX XXXX. My uniform displays my XXXX XXXX XXXX After holding for about 10 minutes the customer service agent advised me that the bank is unable to verify my identity and the application is being denied. On XX/XX/2022, I spoke to a supervisor named XXXX and advised him of my issue, XXXX stated he can not tell me why the application was denied and that I should have received a letter. I explained that I did not receive a letter and expressed a concern that I was denied the application based on a bias against XXXX XXXX. Every document and information supplied to Synchrony Bank was information that only I would be able to provide. I also have a current credit card issued from Synchrony Bank that I have held for approximately 7 years in addition the video I uploaded was of me in my XXXX XXXX XXXX  that clearly showed my XXXX XXXX XXXX XXXX  on it. I advised XXXX that I feel I was discriminated against because I was wearing a XXXX XXXX XXXX  and therefore, I was denied credit. XXXX sated that I would hear a response back in writing in 7-10 business days.
Consumer complaint received 2019-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

I was contacted by mail by a collection agency on XX/XX/XXXX about a debt they were attempting to collect of behalf of PayPal , Inc . The debt was in the amount of {$700.00}. After confirming with PayPal that my account had a XXXX balance, I contacted the collection agency and informed them that it was a result of fraud as I was the victim of identity theft in the spring of XX/XX/XXXX and that I was still dealing with many cases of fraud by people using my personal information. The agent agreed that they would close the case and I received no further notices from them. Then I received a notice from different collection agency on XX/XX/XXXX about the same PayPal debt of {$700.00}. The PayPal account number listed on the notice was the same as the one in XX/XX/XXXX. I contacted the PayPal collections department and the agent there confirmed that my account has a XXXX   balance. She looked up the account with the XXXX debt, but said that the personal information ( phone number and email ) did not match and would not give me any more information about it. It is obvious that someone has opened a PayPal account using my name and PayPal is continuing to attempt to collect the debt from me even though they admit I owe them nothing. The collection agency that sent me the latest notice is : XXXX XXXX , XXXX . I am attaching a copy of the notice with their contact information.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit act XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2022-02-25
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. (GA)

XXXX Bank is discriminating against me as a XXXX XXXX American female who has attempted to clear my debt and have my Credit Report updated appropriately, after they have received and cashed a Legal Closing Attorney 's Check which was submitted to them in XXXX and was endorsed and cashed by XXXX Bank on XX/XX/XXXX. They are now falsely claiming that they did not receive the check and causing my credit to be negatively impacting due to the systemic XXXX practices. Also, they Retaliated against me on this week by negatively impacting my score by XXXX points after opening up a dispute with Equifax. Also, when I called on Monday of this week XX/XX/XXXX, I informed the XXXX Customer Service Rep that I had planned to open another CFPB complaint, and in turn, I was retaliated against by XXXX who submitted another False Negative Update to my Equifax Credit Report, after they had already received the check and numerous communications had been made to Customer Service regarding the Settlement Account which had been paid for {$880.00}. Instead, they chose to Retaliate further against me as a XXXX XXXX American Female and U.S. Veteran after I raised concerns to Customer Service and CFPB in a prior complaint when they refused to provide me with the actual Settlement letter so I could close on our Home. This is nothing but blatant systemic XXXX  and an economic suppression tactic exuded by XXXX Bank. My account has been paid and XXXX also verified the Settlement amount with XXXX, prior to it being paid as well, prior to our Refinance Closing scheduled with XXXX on XX/XX/XXXX. 

They have done nothing but make excuses and lie with no intention on expediting and resolving my issues and concerns. They received proof that the check was cashed and placed into their account, and it is nothing but a Discriminatory Stall tactic to negatively impact my Credit score and manipulate the Credit Reporting Scoring System with the intent to harm XXXX XXXX Americans with no remorse.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

someone stole my information and made and withdraw money from the account company thats reporting information is XXXX FIFTH THIRD BANK FOR AN OVERDRAFT OF OF {$7400.00} CLOSURE DATE - XX/XX/2021
Consumer complaint received 2018-05-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BTH Management (AL)

A collection company by the name of XXXX XXXX will call me multiple times a day and makes several threats about the account they own and that I have a choice of paying the debt or will have me arrested and prosecuted for check fraud.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (IL)

Citibank deducted {$800.00} in fees from my {$1300.00} deposit WITHOUT EVER informing me. 

On XXXX XXXX, XXXX, I opened a savings account in XXXX to hold my tenants security deposit of {$1300.00} in an interest-bearing account, as required by city ordinance. 

At the time of account opening, I was told by the banker {$500.00} is the minimum balance required to avoid any fee. Shortly afterward, however, the minimum was raised to {$1500.00} but I was never notified. Since then, Citi began charging a {$25.00} fee monthly fee to this account. 

The banker who opened my account had mistakenly entered my old address. At that time, I had XXXX other accounts with Citi. My address for them is correct and current. 

As a result, between XX/XX/XXXX and XX/XX/XXXX, I never received any statements. Citibank 's internal records show all mailed statements to me were undeliverable. 

The banker couldnt link this savings account to all my existing accounts, which are opened in XXXX XXXX. As a result, I can not access this account online to see the charges. 

In XX/XX/XXXX, when I returned from after being stranded outside the country due to Covid, I visited the XXXX branch where I opened the savings account. I was shocked to discover the original deposit of {$1300.00} has been reduced to {$520.00} after all the fees! 

Its unacceptable for Citi to wipe out the balance with fees WITHOUT notifying me. This has happened due to the bankers mistake in entering my old address. Im asking for a full refund of {$770.00} -- all the fees charged by Citi that I never knew about. 

I took this complaint to Citi 's executive research unit, where a XXXX XXXX she refused to give her last name or an employee ID number ) called me in late XXXX in response to an emailed complaint to XXXX. 

During this recorded phone call, she failed to state when Citi notified me of the higher minimum balance required -- as I repeatedly asked her to state when I was notified.