davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Citibank , N.A . closed my Costco Anywhere Visa based on inaccurate, faulty information. Citi customer service as well as management stated their decision was based on information received from XXXX, the credit bureau, which according to citi the report showed a delinquent credit card in my name and managed by Citi. I communicated to Citi I had no other credit card issued by Citi. I asked for Citi management to review my credit, which I had to provide and which showed no discrepancies, delinquencies, or derogatory information as of XX/XX/2020. I communicated, called Citi almost on a daily basis for about 3 to plead for someone to review their erroneous decision. I informed them that my employment is contingent on my clean credit, but my pleads were ignored, refused because once a credit decision is made, citi does not retract their decisions. Now my credit report shows CITI credit card closed and it now contains derogatory information. The closing of my Anywhere Costco credit card reflects badly in my credit report and therefore in my employment. I am very careful about my credit ; I pay the entire statement at all times and its even set up to be paid automatically to avoid any lateness or fees. 
Citi informed me that the only recourse available to me is to re-apply for the credit card or file a formal complaint. I will not apply for the credit card because I have no delinquent credit card.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2022 ; TD bank reverse provisional credit for XXXX car payment transaction for the amount of {$320.00}. The provisional credit was credited to my checking on XXXX XXXX because I the XXXX transaction was paid twice. Therefore, I had it disputed. However, TD bank is reverse provisional credit. My account is in a negative balance because of this and another transaction for XXXX XXXX XXXX for the amount of {$92.00}. I did not set up auto payment or XXXX XXXX XXXX XXXX permission to withdraw funds from my TD bank checking account.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX, I received my tex return into my Venmo account. On XX/XX/XXXX, I tried to transfer {$1500.00} from my Venmo account to my XXXX  account. It never went through. On XX/XX/XXXX, they notified me that my account was frozen due to violation of Venmo, which they never stated what was in violation, & they asked me for a picture of my Id to confirm my identity. I sent them a picture of my Id on XXXX XXXX called Venmo and they told me they can not help me on the phone and the only people who can help me are the account specialists which only communicate via email. Since then, I have exchanged countless emails with them, theyve had 5 different account specialists email me asking for the same Documents which Ive submitted over and over. On XX/XX/XXXX, they emailed me saying they made a final decision that my account is permanently closed & theyre keeping my money, which is over {$5000.00} for loss prevention. I emailed them back asking why and they told me that their decision is final and not to email back because they will no longer respond. On XX/XX/XXXX, I called Venmo again, they told me again they will have someone email me because they can not help me Over the phone, and I asked to speak to someone higher up. They left me on hold for 15 minutes, and the so called supervisor, very nonchalantly repeated over and over that theres no one else I can speak to and he cant help me.
Consumer complaint received 2022-09-29
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: Loan Science, LLC (GA)

Acount number # XXXX ( XXXX I've submitted a letter to all three bureaus no response and nothing was done- on the credit report reinvestigation is in progress this has been since XX/XX/2021. I requested contract paperwork with my signature regarding this student loan, again I have no idea who this company is etc.
Consumer complaint received 2022-11-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (TX)

For months I have received calls from Harris & Harris ( XXXX ) XXXX ( caller ID ). XXXX XXXX, this is a debt collection agency. I spoke with this company several times asking them to remove my phone number from their database. The calls continue. My husband ( now deceased ) and I have no debt, and have never owed debt, nor have defaulted on any debt. Am at a stalemate in talking with this company. They have my phone number but I will only give them my first name. Each person calling will not give me any information regarding who they are trying to find other than to tell me my first name is NOT the first name of who they are calling. I ask them to stop calling and they hang up on me. Have tried blocking their number, but calls persist. I am not able to dispute anything since they wont furnish any information. They wont even tell me their company name or address. All that I know is that they have my phone number. I will NOT furnish them any other information about myself. They have an incorrect phone number for however they are looking for, whether furnished by the debtor, or incorrect data input by this company itself.
Consumer complaint received 2020-03-16
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. (NC)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number ****XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (MN)

I recently sold my home, but a title search indicated that there was not a satisfaction of mortgage document filed on the property when I paid off the mortgage in XXXX. The mortgage company was XXXX XXXX and it was either owned by or acquired by U S Bank in XXXX. This would have been 3 years after I paid off the mortgage. The title company I was working with requested the satisfaction of mortgage document from U S Bank in XXXX, XXXX. They initially said they would forward the document to the title company within three weeks. They would not give the title person a specific department number or name of a specific bank representative. Each time she tried to contact U S Bank, she had to use the general customer service number. Apparently, we are waiting for someone in the Releases Purged Department to send the document, but the bank will not give a number for that department, and will not provide a contact person. The last email I received from my title company stated that we are " basically at the mercy of U S Bank at the moment. '' As of this date, XX/XX/XXXX, I have not received any notification from U S Bank. It has been about 2 1/2 months since they were initially notified. As a consequence, at the closing of my house on XX/XX/XXXX, the buyer 's title company withheld nearly {$100000.00} of my proceeds from the sale of my house. They also charged me {$150.00} to withhold my money. Everyone else has been paid -- title companies, realtor, and the buyer has moved into the house. I am the only one who does not have all of my money. I took out a mortgage on another house, and was planning to pay off this new mortgage with the proceeds from the sale of my other house. Now I am paying a mortgage on this new property. 

U S Bank should not be able to withhold a document that is preventing me from having all the proceeds of my sale to be paid to me.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

On XX/XX/2018 I received a obscure email notification with subject line Notice of decreased credit limit. This was unexpected and very surprising. When I requested further information from secure message online, the reply was : your request was forwarded to the appropriate department. Several days later still no information provided. 
I also sent a message to a social media rep who subsequently connected me with credit management department. They in turn stated that my report is showing some very compromising information that would prevent them from reinstating my credit limit. They refused to provide any specifics over the phone or a written letter in this regard. I have checked with all credit reporting company reports and haven't found any concerns, except small discrepancies, that would justify this type of action. 
As of now my credit reporting from CITI is further compromising my credit file as a result of this action. 
I have been a customer for many years and never been subjected to such actions. I find it very deceptive and questionable and hope you can investigate this further and help other customers from this type of business conduct from CITI.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

I was a chime member for over a year now and have had my card/wallet stolen from me while I was at work it happens but Ive made reports about this issue and chime has closed my account without notice with all of my living expenses on there ( funds ) and there telling me nothing can be done about it that I would have to wait nor did anyone tell me why my account has been closed. This happened as of today XX/XX/2020 Ive been contacting them and they just stopped answering me. I call customer service its an automated message that knows all of my information and blocks me from connection to a live agent, very unprofessional and inconvenient to individuals using this bank, I just need my funds all my money is on there my direct deposit is connected through there I dont know how Im going to survive I need help please!
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WA)

I moved from the XXXX to live in XXXX with my XXXX wife on XX/XX/2022. We are buying a house here. I set up an online checking account with Wells Fargo because I needed a bank that uses XXXX XXXX for large transfers since my XXXX XXXX could not. I transferred {$65000.00} from XXXX to WF account. I had my wire transfer limit raised from {$5000.00} to {$75000.00} with a daily transfer limit of $ XXXX. I made the first $ XXXX to my wife 's XXXX bank without a problem. But the XXXX one for $ XXXX the next day was flagged for 'security reasons ' and locked. I called XXXX and referred to the 'fraud department '. After security checks they unlocked my account and I made the 2nd transfer again. But that one was flagged again. Later, they said it was because I used the wrong PW. But since I couldn't get in I tried a temporary PW which didn't work and tried both the old and the temp PW 's many times until I gave up. I called to get the account unlocked and was told " We can't resolve this over the phone. You will have to come into a local branch somewhere in the US to resolve this and prove your identity. If my online credentials used for signing up for the account are not enough what can I do. I have made over a dozen calls to different dept 's and spent HOURS on the phone trying to get help -- -including from the Compaint Resolution Team at XXXX. They told me to call XXXX to get help with resetting my PW but they referred me back to the fraud dept. And the circular pattern continued with everyone I talked to and was referred to. And when I tried to reset my password their system blocked me from completing that process. I need to have my account unlocked and my last 2 wires sent before XX/XX/XXXX or I lose my {$300.00} deposit on the house we were going to buy. And if I'm unable to get help reversing this holdup it will cost me considerable money, time and hassles to return to the XXXX and close my WF account and then go thru the emergengy covid measures required by the XXXX XXXX to return with a money order to put directly in my bank in XXXX. Please encourage WF to resolve this ASAP. It's been a horrible and very stressful experience dealing with their unhelpful reps who are unable to resolve a simple issue of correctly identifying a customer. I use " my voice is my passwork ' method.
Consumer complaint received 2021-05-25
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. (IL)

Yes I called EQUIFAX on XX/XX/XXXX to dispute a XXXX XXXX inquiry on my credit report that I did not authorize from XX/XX/XXXX. I talked to XXXX id number XXXX and he refuse to help me dispute my unauthorized credit inquiry from XXXX XXXX XXXX XXXX. He told me that I have to go file a police report. I was never offered to put a fraud alert on my credit report not even after I brought up that I have fraud alert set up on my XXXX  credit report. I am very frustrated to not be treated the same as a person with XXXX credit score. I should be offered the same services and good customer service too. 

I asked to talked to a manager to get this issue resolved and had to wait over 20 minutes before being told that there is no available supervisor nor manager. Then I was directed to the fraud department I demand that this XXXX  XXXX inquiry be removed from credit report accordingly to section 609 from the Fair Credit Report.
Consumer complaint received 2021-05-25
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. (VA)

In XXXX of XXXX I reached out to XXXX XXXX XXXX XXXX XXXX XXXX to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the XXXX XXXX customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX XXXX the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to XXXX XXXX because the account was recalled. When I returned the call I spoke with XXXX XXXX ID : XXXX and was hung up on after explaining my situation. I then spoke to XXXX XXXX ID : XXXX who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section 807 # 14 of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through XXXX XXXX XXXX. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for TFS is XXXX. Thank you in advance for your help in this matter.
Consumer complaint received 2022-08-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I reached out to Equifax this morning and explained that upon looking at my consumer report I noticed accounts on my report that I had previously disputed. I also made several attempts to remind the representative of their duty pursuant USC 15 1681A. Also, how they have made grave error and are neglectful in remedying my affairs. I also stated to the rep USC 15 1681E ( b ) assures that I'm due accuracy on my report based on federal law. to no aval there was nothing done. Case # XXXX
Consumer complaint received 2021-05-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account Name 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 2021-05-25
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)

XXXXXXXX XXXX  XXXX, and XXXX XXXX XXXX, XXXX. XXXX XXXX wont give me break down or signatures regarding these collections
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: ROBINHOOD MARKETS INC. (MI)

Robin hood was doing a deposit rewards thing in XXXX where they would reward you a certain dollar amount if you deposited a certain amount of money. Well I was rewarded XXXX $ on XX/XX/2021 and I've been trying to withdraw this rewards after the advertised 30 day wait and they are telling me its 60 days or that I have no rewards. I just want my funds so I can close the account. I don't like being misleading.
Consumer complaint received 2022-09-02
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. (MI)

XXXX XXXX XXXX XXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. Transaction history is not to be reported according to the consumer laws. The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.
Consumer complaint received 2021-05-25
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: WELLS FARGO & COMPANY (CA)

Again, Wells Fargo has totally missed the problem and the nature of the complaint. I have settled the dispute with XXXX XXXX XXXX XXXX and they have issued a refund for the defective furniture that they admitted was delivered in poor condition. The problem is with Wells Fargo accepting fraud. 

When XXXX XXXX XXXX gave you the delivery receipt they stated I signed, I told you it was a no contact delivery and I did not sign anything that day. You had me send over a copy of my signature, which you already have on file, to verify it was not my signature. The local Wells Fargo also verified it was not my signature ... but you, having no regard for a previously loyal customer, decided to accept it anyway. WHY? 

You did not do the right thing by your customer and this will not stop until you answer that question. Do not blame this on XXXX XXXX or XXXX ... this is an internal Wells Fargo problem of total lack of regard for doing the correct thing. Fraud is not ok ... .and a bank accepting it is worse.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

Is a Gift Card Visa from VanillaGift.com I bought it at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX the Amount {$250.00} dollars I have problem to activate I call The XXXX XXXX they ask me for the receive I send all the information to the email : XXXX XX/XX/2022, XXXX XXXX  now they tell me that the card was used on XX/XX/XXXX for {$250.00} dollars in a restaurant How is it possible, if they told me that it took 5 to 7 days to activate it? 
but nevertheless they never sent me an email showing that the card was activated now they tell me that they are going to open a case XXXX ID : XXXX for me look like a scam because I never Used a card