davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Citi Bank regarding the misrepresentation of their promotional offers and failure to deliver promised interest rates for our company accounts. 

Bonus Offer Denied Unfairly : On XX/XX/year>, we opened a new company bank account with Citi Bank, under the impression that depositing {$200000.00} would qualify us for a {$2000.00} bonus, as advertised by the bank. On XX/XX/year>, upon opening the account, we immediately deposited {$220000.00}. However, Citi later informed us that the funds were not considered new money and that we would not receive the bonus. This condition was never clearly communicated to us when we opened the account. 

Money Market Account Interest Discrepancy : We also opened a company money market account with Citi Bank. At the time of opening, Citi representatives assured us that the interest rate on the account was 5 %, and that interest would accrue immediately. However, when we reviewed our statement on XX/XX/year>, we found that we had only earned {$170.00} in interest, which amounts to a rate of less than 1 % for the period from XX/XX/XXXX to XX/XX/year>. 

Unresolved Complaint and Unprofessional Service : On XX/XX/year>, our account manager filed a formal complaint with Citi on our behalf regarding the inaccurate interest rate. The manager assured us that Citi would correct the mistake. However, on XX/XX/year>, we received a letter from Citi stating that our complaint had been closed on XX/XX/year>, due to insufficient information. We were never contacted by Citi to provide any further information before they prematurely closed the complaint, and they did not make any genuine effort to resolve our issue. 

Throughout this process, we did not receive any proper disclosure or documentation, every Citi representative we interacted with failed to provide professional service and attempted to shift responsibility, causing us significant financial loss. We believe Citis actions are misleading and deceptive, and we request compensation for the losses we have incurred due to their mishandling of our accounts. 

We would greatly appreciate your assistance in resolving this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

I have a Barclays credit card and have had them for XXXX plus years. I have made my payment on time with no late payments. I just received notice today that they have lowered my credit amount. This in turn will hurt my XXXX XXXX which is a XXXX. A company that does this must face the consequences of a bad business practice. They did not base this decision on my XXXX XXXX ( since it is XXXX ) and not because I have ever missed a payment or have ever been late. In fact, I've never been late. Baclays is a high interest rate credit card and they don't offer any rewards. Once I pay off this card, I will close it. I will also recommend that others do not use Barclays or any of its products. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax continues to say they do not have a credit record for myself, which is impacting my ability to lease an apartment/ buy a house, which deeply impacts my quality of life. XXXX XXXX and XXXX both have complete credit reports on me. 

XX/XX/XXXX I was informed my data was part of a data breach. I called Equifax to freeze my account. At this time XXXX at Equifax informed me my information was not within their systems and to mail a cover letter, a copy of my drivers license, a copy of my social security card, and to request my account be frozen, update the information on life, and to receive my free credit report. 

XX/XX/XXXX I mailed Equifax ( XXXX XXXX XXXX, XXXX, GA XXXX ) with the information above. 

XX/XX/XXXX Equifax mailed me back saying they could not locate a credit file for me. 

XX/XX/XXXX I went to apply for an apartment and was denied. I called Equifax to confirm if they had since located my data. They confirmed they had not, and had never received credit information about me. I called my credit card company, XXXX, who verified every XXXX of the month they provide a statement to all three credit bureaus, which included Equifax. I called Equifax back, to inform them I planned on filing with the US Government a complaint and taking the necessary legal actions.
Consumer complaint received 2020-11-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

I XXXX XXXX, have always believed in personal responsibility in maintaining an excellent credit history. However, in fiscal years XXXX and XXXX I faced multiple XXXX  issues that basically kept me out of work. I always thought that I was making my credit card and auto payments within the 30-day grace period. Some of these payments may have been paid near the end of the 30-day grace period and werent posted until the next billing cycle. As a professional courtesy, I respectfully request an audited review of my payment history to see if any of the posted 30-day late payment histories can be deleted, or if I can be given a reasonable pardon for any indiscretions and have the prior payment history deleted altogether. I will maintain my payments professionally until the full term of the loan is over. 
XXXX XXXX
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: REGIONS FINANCIAL CORPORATION (GA)

My wife deposited a check made out to her in my account. The teller checked her id and accepted the check. The next day we where told that they could not accepted the check because she was not on the account. They have put a hold on the money for four weeks and refuse to release to my account or refund the check back to the issuing bank. I went there and offered to sign the check and they would not let me. The issuing bank has released the funds with no issue but they still refuse to release the money. This money is being held hostage because their employee was not suppose to accept the check but did anyway. The amount of money is {$5000.00} dollars. The bank is Regions bank in XXXX, GA. The money was deposited on XXXX and they have a hold on the money until XXXX. This is totally unreasonable. This is {$5000.00} that we can not access because of an employee mistake and we are being penalized because of this. I have spoken to customer service at the bank and at corporate but no one seems to care. I asked to speak to the lady 's supervisor and their supervisor but was told no one was there and it was XXXX in the XXXX. All I ask is to have the money put back to the issuing bank which is not unreasonable. Thank you for any help you can give me.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

This is a complaint against Wells Fargo for ALL of the things you have settled with them. They opened a credit card in my name that somehow maxed out at {$5000.00} and then refused to do anything about it and continue to report it on my credit report. 

They consistently charged me late fees and marked my payments as late for my car loan on a XXXX XXXX. 

They charged me overdraft fees even when my account had money in it. 

The worst of these was a combination where they would take my car payment out of my account, charge me an overdraft fee, then charge me a late fee for my car payment -- this was all done while my account had ample funds to pay the car payment.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2022-06-01
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: NAVY FEDERAL CREDIT UNION (GA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2020-11-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX, have always believed in personal responsibility in maintaining an excellent credit history. However, in fiscal years XXXX and XXXX I faced multiple XXXX  issues that basically kept me out of work. I always thought that I was making my credit card and auto payments within the 30-day grace period. Some of these payments may have been paid near the end of the 30-day grace period and werent posted until the next billing cycle. As a professional courtesy, I respectfully request an audited review of my payment history to see if any of the posted 30-day late payment histories can be deleted, or if I can be given a reasonable pardon for any indiscretions and have the prior payment history deleted altogether. I will maintain my payments professionally until the full term of the loan is over. 
XXXX XXXX
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Consumer complaint received 2024-12-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (PA)

Subject : Final Notice Regarding Account Dispute and Reporting Practices To Whom It May Concern, This letter serves as a formal notice regarding the account referenced above. I acknowledge your recent response confirming the removal of this matter from all credit reporting bureaus, as stated in your reply to Complaint ID XXXX. You also indicated that the debt would remain in a properly disputed status, per the Fair Debt Collection Practices Act ( FDCPA ). 

I am writing to make it explicitly clear that any attempt by Ability Recovery Services , LLC ( ARS ) to re-report this debt or related account to any XXXXdit reporting bureau, either now or in the future, will result in immediate legal action.

Basis for Legal Action 1. Violations of the Fair Credit Reporting Act ( FCRA ) : Re-reporting this disputed debt, without proper investigation and validation, constitutes a violation of FCRA regulations under 15 U.S.C. 1681.

2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : If ARS continues to misrepresent the status of this debt or attempts to re-report it, I will pursue remedies under FDCPA ( 15 U.S.C. 1692 ).

3. Violations of HIPAA Laws ( Medical Accounts ) : If this debt involves medical services, I will also pursue action under HIPAA Privacy Laws for any improper handling or sharing of sensitive health information without my consent. 

Consequences of Non-Compliance Should ARS fail to adhere to your own commitment to remove this debt from all credit bureaus or attempt to re-report this matter in any way, I will have no choice but to : File a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney general.

Initiate a civil lawsuit against ARS for damages caused by your violations of federal and state laws.

Next Steps No further reporting of this debt should occur under any circumstances. I also request written confirmation that ARS will comply with all applicable laws and refrain from any additional reporting. Failure to respond to this letter or any further violations will result in immediate legal escalation without further notice. 

Thank you for your attention to this matter. I look forward to your compliance.
Consumer complaint received 2021-09-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AVANTE (FL)

The representative XXXX was extremely rude and Harassing. He also refused to give me information on my account that I requested. I had an outstanding payday loan with XXXX. XXXX was not with XXXX XXXX. He would not give me number to call him back later. He tried to pressure me to pay right then even though I told him I was dealing with something at my childs school, that I would need to call him back. He would not email me or offer to mail me a debt notice even when asked. He retorted how many loans do you have? How much money do you owe? Why wont you pay what you owe? Why are you avoiding this? He Would not differentiate the original loan amount. He would not give me contact information about his company. I hung up and called XXXX. They stated my debt was actually with another company and could not verify that number.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NV)

XXXX called to setup my first mortgage payment with specialized loan servicing. 
XXXX specialized loan servicing charged my bank acount twice for my mortgage payment causing {$75.00} in overdraft fess. 
XXXX called to find out what happened and to get a refund. was provided an email adress to submit by bank statements too. 
XXXXsubmited bank states ive called back multiple times. every person I speak with tells me they can not assist me or that I need to speak with a supervisor. setup multiple calls back for a supervisor. 
XXXX-received call back, spoke with supervisor XXXX in the XXXX  office employee id XXXX states everything went thru and my refund has been expediated and should be on its way. 
XXXX called back Rep I spoke with said she reached out to 3 different people, and they all say they can not help, no idea how to fix problem.

its been 3 weeks since beeing double charged and still can not get anyone to even assist me in providing a resolution. This is a brand new mortgage and they have done nothing but XXXX it up and have not been able to resolve my issue in three weeks, but iam sure they are quick to charge me for a late fee. I
Consumer complaint received 2023-07-11
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. (SC)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted Rash Curtis to reach a resolution.

After a bit of back forth, my wife and I finally decided to go ahead and pay the collection with the stipulation that Rash Curtis would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports.

Flash forward six months and the collection is still reporting! I am demanding that Rash Curtis sticks to the agreement and requests the deletion of this collection from the three credit bureaus.
Consumer complaint received 2024-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (NJ)

OneMain Financial XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Subject : Debt Validation Request Account Number : XXXX ( Charge-Off Account ) Dear Sir/Madam, I am writing to formally request validation of the debt referenced above, which your company claims I owe and is marked as a charge-off. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am entitled to request verification and validation of any alleged debt within 30 days of receiving the first notice of the debt.

Please provide the following : 1. Verification of the debt : Proof that I owe the amount stated, including the original creditors name, and a complete breakdown of how the debt amount was calculated, including the status of the charge-off.

2. Proof of your authority : Documentation that you are authorized to collect this debt on behalf of the original creditor, especially given its charge-off status.

3. Original contract or agreement : A copy of the original contract or agreement that establishes the debt, signed by me.

Under federal law, you are required to cease any collection activities, including reporting to credit bureaus, until you have provided proper validation of the debt. Please consider this letter as my formal request for validation.

Furthermore, if you can not provide validation, I request that you immediately stop all collection efforts and rectify any negative reporting related to this debt with the credit reporting agencies.

Thank you for your attention to this matter. Please send the requested documentation to me at the address provided above. 

Sincerely, XXXX XXXX