davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MI)

On XXXX XXXX XXXX XXXX I applied for the Citi AAdvantage Platinum Select World Elite Mastercard. 
I was denied and the reason given was : " -You have filed for Bankruptcy and your previous account ( s ) with us was included in that filing. 
- The credit privileges on your existing account ( s ) are currently restricted. 
" The consumer reporting agency cited was XXXX. 

I know the bankruptcy cited is incorrect and I contacted XXXX to pull a new current report. There are no bankruptcies on my report. In fact Citi issued me 2 credit cards in the last 2 years without any issues so I am at a loss what they are referring to. 

I am confused as to what they mean by your existing account ( s ) are currently restricted because my current cards are active. 

I have called Citibank and tried to find a means to discuss these issues and get this corrected. I keep being given numbers that lead to an automated system that reads back the decision letter to me and disconnects. 

All efforts to have a representative assist have been futile as they all send me to an automated system or a number that rings for 5 minutes moving from one extension to the next before finally disconnecting. 

The rejection letter states " If you have questions, call us at XXXX or go to Citi.com ''. The number is for the automated system the reads back the rejection decision and hangs up. The Citi.com website has nothing further to share on what can be done. No knowledgeable Customer Reps are available. Everyone I speak to reads off a script. If your question is not on the script they can not help you or will send you to a dead end number. 

I need someone who know how to remedy this to call me as they have made a decision based on erroneous information and are refusing to correct it. I am at the verge of canceling my current Citi accounts and never doing business with them again.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am trying to make a consumer credit transaction. EQUIFAX is reporting inaccurate information on my consumer report. This includes inaccurate addresses and inaccurate variations of my name. I am having difficulties getting approved for credit due to damaging information on my report.

According to the FCRA 15 USC 1681 I have the right to a fair and accurate report. I have made EQUIFAX aware of the inaccuracies and by law they need to correct and update it.
Consumer complaint received 2023-08-08
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. (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 USC 1681.

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 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (NV)

I have a checking and savings account at XXXX XXXX XXXX XXXX. I have a digital account with XXXX. Someone hacked into my Paypal account and initiated a transfer from my bank account into Paypal of approximately {$170.00}. That would have been fine, but then they added a new bank account to my Paypal account and initiated two more transfers from Paypal to their bank account for the same amounts. I notified both my bank and Paypal immediately that they were unauthorized transactions. Paypal refused to take action and said that the transactions were " consistent with my history. '' I have never linked any other bank account other than my XXXX account to Paypal despite using Paypal for over 15 years. I have never withdrawn or deposited money into any bank account other than XXXX. Moreover, Paypal has taken no steps to secure my account other than locking me out. In fact, the hacker 's last transaction had not gone through when I notified Paypal, but Paypal locked me out and finalized the transaction for the hacker. Please help.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX Citibank closed my account without reasons, my checking and savings account, after closure they said i will receive any money in the accounts in a check. I waited over three months to receive those checks. On XX/XX/XXXX I received both checks, for mu savings and checking accounts, I deposited the checks in my current bank but the checks weren't valid So I contacted citibank to let them know and they can send new checks. The first time they told i will receive the checks in two weeks, never got them. I called again and they told me same thing again that i will receive the checks in two weeks and again never got them ( i recorded the call ). I went multiple times to the branch and they couldn't help me. Finally, on XX/XX/XXXX i went to a branch and spoke to the manager and she opened a new case for the bank to send me the checks, I received a check for my savings account for {$120.00} but not the check for my savings for {$1000.00}. 1 received a letter from Citibank saying that if I haven't receive the check i could go to a branch to get the check, i did went to the branch and they told me they couldn't help me and couldn't give me the check, that they have to open a new case again for mw to receive the check. It's being over 5 months and im still fighting for the check.
Consumer complaint received 2016-03-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

I deposited a check ( drawn from XXXX XXXX XXXX ) at my local wells fargo branch ( XXXX XXXX XXXX XXXX, TX XXXX ) and deposited a {$50000.00} on Wednesday, XXXX XXXX. I understand that hold should be placed, but the hold was to last until XXXX XXXX. I called the issuer of the check XXXX XXXX today, XXXX XXXX to see if check has been cashed. I was informed that this check was cashed and was provided with a canceled check via email. I printed the canceled check and gave to the service manager, XXXX XXXX. She was not able to release hold and informed me that her manager, XXXX XXXX would not authorize the release of the check as well. Local representatives were not able get a verbal verification from XXXX that the funds had cleared.
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

XXXX XXXX XXXX was a company that was managing a townhouse that I was renting previously in XXXX XXXX, Florida. My sister was the last tenant occupying the premise. 

A third-party collection agency called me stating that I have an outstanding balance where I asked for proof since nothing was sent to me by email, mail, or any form of communication. I emailed both the collection agency, Hunter Warfield and XXXX with no reply back to my email from XXXX XXXX XXXX 

I called and spoke with an agent from the collection agency and explained the matter and he stated that I need to pay them to resolve the matter. Nothing was ever communicated and no one contacted me. Now, I have an outstanding balance on my credit report from this. I have the email chains from the management company and collection agency that never replied. I can forward if needed.
Consumer complaint received 2018-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP (KY)

On XX/XX/XXXX I purchased a XXXX on XXXX XXXX for XXXX using XXXX through my us bank app. As soon as it went through, on the seller deactivated his XXXX, and vanished. He never sent me the product, so I appealed to my bank on XX/XX/XXXX, who waited two weeks to tell me they couldn't do anything. I was not mass aware they were a sperate company until I called XXXX XXXX, I thought XXXX was the name of a program us bank had.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I feel like interested was added from previous student loan provider thus making hit difficult for me to see any progress with payments. I do n't clearly understand how interested is added and why my loan amount seems to be increasing rather than decreasing.
Consumer complaint received 2023-08-09
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: SYNCHRONY FINANCIAL (TN)

There is a company called Synchrony Bank/ Rooms to Go furnishing information on my consumer report illegally pursuant to 15 USC 1681b ( 2 ) permissible purposes of consumer reports. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave this company consent to report information on my consumer report. 

They also failed to give me the disclosures to " opt out '' of having my account information furnished on my report which is out of compliance pursuant to 15 USC 6802b Obligations with respect to disclosures of personal information. 

It was unlawfully enforced.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

Im writing this today because i have had a credit card account that was closed by discover it. I had received emails that they could not properly identify me even with me giving them my full social and sending a picture of my license they said they still could not identify me. Whilst this was going on i could not activate my credit card so the account was actually never opened because of the identity problem the discover it company had. There was nothing else i could do to verify my identity and with them reporting a closed account had dramatically affected my credit score. I feel this is unfair i gave all the information they had ask to see I've spent hours upon hours on the phone with the discover it company and there was nothing else i could do.
Consumer complaint received 2022-01-05
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. (FL)

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ACI Worldwide, Corp. (TN)

mae payments to XXXX XXXX XXXX using their online portal to use XXXX XXXX. On XX/XX/2023 | paid XXXX using my debit card and was charged twice. On XX/XX/2023, I paid XXXX, which also was charged twice. At that time I have tried over and over again to communicate with this company to get those payments applied to my account or refunded. I have sent multiple copies of my statements to no resolve. 
received an email stating that those funds were refunded to my account which the statements show that they were not. I tried disputing it with my bank in which they told me the merchant said it was paid so no refund is going to be given and the case closed. The funds that that were taken out and never refunded back to me are highlighted in yellow in the attachments.
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NM)

when you could start going back to the gyms during the covid pandemic XXXX reopen. They said the club was fully open & everything was operational. before they shut down for the pandemic all the hot tubs were working & can be used. I went to my usual club went to the wet area & the hot tub was closed. I then went to the front desk & asked how come the hot tub is close? the front desk told me that all of XXXX hot tubs will never reopen. I told them the only reason I joined this club is for swimming & the hot tub. I told them I shouldn't have to pay for something I can't use. they said you will pay & I said no way that is wrong what you are doing so I stopped paying my monthly dudes. Now they want {$550.00} I think that unfair thank you for your time.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MONEY SOURCE, INC., THE (CA)

TMS legal department has lied and misstated facts and deceptively missused law to commit fraud and defraud me. I paid for my home na XX/XX/XXXX to XX/XX/XXXX. 
TMS stole that money from me for a year. TMS never paid for XXXX until XX/XX/1923 and only to cover their criminal tracks. 
Tms knows the escrow was canceled in writing to amc XX/XX/XXXX and XXXX XX/XX/XXXX. But they continued it maliciously. Then lied here about the facts and admitted it was canceled in XXXX while also claiming it was ok to bill until XXXX as shown on my XXXX file. 
I have repeatedly asked them to PROVE payment to my ins. They misstate the facts, trick me, misuse the law and 3 day cancelation, lie and get away with it. 
They stole my escrow money. They NEVER stopped escrow. They never paid ins XXXX to XX/XX/XXXX. They lied here. They lie to my credit bureaus. They cant claim they paid for something that they didnt. They cant claim it was a mistake. They admit to knowing I canceled all escrow and billed me anyway. 

This is only a repeat complaint because the company keeps lying to trick us into thinking they did not intentionally with malice evil mind keep the escrow money from me for a year. 

They lied and said that two months of interest on an escrow is XXXX $ but 7 months is XXXX XXXX PROVE IT CRIMINAL. show your math lier. 

These are sophisticated attorneys and math people who are using lies untrue facts and omissions and deception and misstating the law and misusing the law to deceive and getting a pat on the back by the federal government for doing it. There is no hope for people in this country. There is no consequence for corporate greed and deception.
Consumer complaint received 2023-08-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (MI)

The medical debt on my credit report has been disputed multiple times due to the biller not appropriately billing my insurance company within the appropriated amount of time of services rendered, 1 year. The biller billed my insurance company after 1 year. The bill was then repeatedly denied by my insurance company due to inappropriate billing time frame. I spoke to the biller and my insurance company over 30 times regarding this bill/debt and neither could come to an agreement. I should not be responsible for the billers clerical error.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (NV)

On XX/XX/2022, Our company wrote and mailed a XXXX XXXX XXXX XXXX XXXX check to XXXX XXXX XXXXXXXX in the amount of {$3500.00}. On XX/XX/2022 that check was deposited into XXXX XXXX XXXX XXXX ( BMO Harris Bank NA ). XXXX XXXX, XXXX has indicated via sworn affidavit that they never received the check. To date, XXXX XXXX XXXXXXXX XXXX has yet to identify how a stolen check was deposited into an account that is not XXXX XXXX XXXX From our prospective, to resolve this issue should be very simple, but more importantly, the fraudulently deposited check should be reimbursed immediately.
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Net Pay Advance, Inc. (TX)

I have called XXXX XXXX XXXX XXXX and have asked them to provide confirmation that this loan or service or bill belongs to me. They keep asking me to provide my date of birth and the last of my social and the amount. I do not feel I need to. The moment they gather my information they will imply that this amount is mine. It has happened before. Will someone please assist me without giving my personal information. It would be a breach of privacy.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

UPDATED Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, Ohio XXXX ( since XXXX ) I am filing federal trade commission ( FTC ) disputes against credit bureau agencies Equifax XXXX XXXX XXXX XXXX XXXX for purposely posting false and inaccurate no non-sense inadequate info onto my Equifax, XXXX and XXXX credit reports. 
Equifax credit bureaus staff are careless and lazy and is continuing to ruin my credit profile by constantly lying posting bad things on my credit reports to keep me from gaining any NEW Established credit with creditors and or renting an apartment lease after filing bankruptcy. I deserve a fresh start such as any other consumer. I HAVE HAD ENOUGH of the unfair credit bashing against me from all 3 National Credit Bureaus PLUS XXXX XXXX for no reason., All 3 credit bureaus are continuing to bash my reports with nothing but lies. 

Please NOTE : I only have one acct. open with XXXX XXXX ONLY! Its current and thus far... never late. 

XXXX... XXXX, please act and ENFORCE these 3 National CREDIT bureaus plus XXXX XXXX bureau to STOP placing lies on my credit reports ASAP! OMG, let these 3 Nationals Credit Bureaus plus XXXX XXXX bureau tell it to the CREDITORS, Bureaus are telling creditors my credit ratings are in complete bad dire straits with all creditors on my credit reports WHICH IS FALSE! Seriously how can this poor credit scores after paying of $ XXXX of student loans OFF have this kind of poor and I mean XXXX XXXX XXXX of a XXXX scores on all of my credit bureau files? HOW? Even when I only recently have filed bankruptcy on XX/XX/XXXX. I have been XXXX and now there is only 1 ( ONE ) creditor AND THATS XXXX XXXX XXXX my recent car loan PERIOD! Neither one of the 3 credit bureaus NOR this fake company called XXXX XXXX dont have not XXXX XXXX thing correct on my credit file. Tons of Tons of Fake inquires that I never and I MEAN NEVER ever applied for, DEMANDING that all of these tons of tons inquiries be removed IMMEADIALY from my credit reports ASAP!
Consumer complaint received 2016-07-13
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cohn, Goldberg & Deutsch,LLC (MD)

communication tactic continue to collect a debt i did not owe false statement and representation Cohn Goldberg Deutsch, XXXX XXXX knew the facts were fraud see attached documents submitting XXXX XXXX fraud lost note affidavit. thanks to the GREAT JUDGE THAT DENIED THEIR FRAUD Foreclosure Fraud - Titles Used by XXXX XXXX of XXXX DOCUMENT IN CASE FILE IN 2008 REVEALS FORECLOSURE MILL LAW FIRM CONTROL COHN GOLDBERG DEUTSCH IN THIS CASE # XXXX KNEW THE FACTS WERE FRAUD AND WERE TRYING TO GET HIS HONORABLE JUDGE XXXX XXXX TO SIGN OFF ON THEIR FRAUD SEE ATTACHMENTS TODAY THE THIS SAME DEBT COLLECTOR LAW FIRM STILL CONTINUE TO FILE QUESTION DOCUMENTS IN COURTS TODAY CASE
Consumer complaint received 2023-08-09
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. (WA)

Equifax did not fix my my address even I did send letter about old address. I did not live in XXXX WA before and they did not move that address out because they said its address reported from my collection but I never live in XXXX WA. I was living in XXXX during XXXX XXXX, XXXX, and I never lived in XXXX WA . They reported wrong information and they did not remove out. In the past, I did not live in XXXX, and the collection was not belong to me. Equifax did hurt my credit report. Even I did send letter to discourse wrong information, address to me. I need justice. During XXXX, I only lived in XXXX XXXX XXXX XXXX, XXXX WA XXXX XXXX They reported wrong about XXXX WA, I never lived in XXXX. They did not remove out XXXX address and the wrong collection. I need help!
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMT Solutions, LLC. (FL)

I received a debt collection notice on XX/XX/08 regarding a bill I did not know existed from XXXX XXXX. XXXX XXXX never sent me a bill but instead sent my bill directly to PMT XXXX  who require you to pay in person or acquire an extra {$35.00} fee to your bill. I have lived in Florida now for 5 months and can not go in person to pay my bill that I did not know existed. When I contacted XXXX XXXX regarding the bill, they stated it is not their responsibility to notify me of payment due. XXXX XXXX has also deleted my account so I can no longer see what the charge is for or any details regarding the bill.