davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I saw an offer online that said the following : " Open a new eligible checking and savings account in the Citi Priority Account Package during the offer period XX/XX/XXXX to XX/XX/XXXX. 

Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. 

After all required activities are met, the {$600.00} bonus will be deposited to your account within 90 calendar days! '' The www.citi.com/rates page also showed that their savings account would earn a 2.36 % interest rate as well. The only other stipulation shown was that the {$50000.00} minimum balance needed to come from " New-to-Citibank '' funds. So I opened a new Interest Checking account # XXXX as well as a new Citi Savings account # XXXX on XX/XX/XXXX and transferred {$50000.00} from my XXXX XXXX XXXX account to provide the new-to-Citibank funds. 

I never received any ATM debit or credit cards nor any way to access my account online. Anytime I would call Citibank, I was given multiple reasons as to why I could not access my account online such as there was a " block on my account '' for no known reason as stated in a call I made on XX/XX/XXXX. I was told the reason the {$600.00} bonus was never deposited into my account was due to this " block. '' Another call on XX/XX/XXXX was when I learned that on XX/XX/XXXX they had removed the block on my account, but still the {$600.00} bonus was never deposited. 

I then received a letter dated XX/XX/XXXX stating that the reason I would NOT be receiving the {$600.00} bonus was because I was a previous Citibank customer, and the offer is only for " new-to-Citibank customers. '' This was not what the offer I saw online and applied to stated. Also, during calls with Citibank I was informed that the 2.36 % interest rate is only good for certain customers in locations without any local branches, while another time I was told an entirely different story that the 2.36 % interest rate is a separate offer than the {$600.00} account open bonus and you can not receive both. 

So when I told Citibank I wanted to have my money transferred back OUT of their accounts and have the accounts closed, I was told that I had to do that online - that they could not do it over the phone. And yet they also said I could not access my accounts online since they had made the error of never sending me any debit or credit card in the first place. I was able tonight to log-into my XXXX XXXX XXXX   account, connect it to my Citi savings account, and initiate a funds transfer OUT of Citi and back into my XXXX XXXX  account instead. However, my {$50000.00} has been sitting at Citibank for nearly 7 months earning practically nothing at 0.01 % " interest, '' and I also do not have the {$600.00} new account opening bonus to show for it.
Consumer complaint received 2023-08-01
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AZ)

I attempted to set up business with XXXX XXXX through my XXXX XXXX ISP provider. XXXX XXXX was unable to install service at my address and never provided any service to me. I am not liable for a service that was never rendered. This has now been reported to CRA 's and I have disputed this with CRA 's and successfully gotten this removed. regardless of the actions taken by me they have sold my account to collections and attempts continue.
Consumer complaint received 2020-02-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IL)

I opened a HSA savings account with XXXX XXXX  with {$1000.00} in 2012 ( I believe ). I never used these funds. At some point XXXX XXXX A DIV OF WEBSTER BANK bought out the account and started charging fees against my knowledge and permission. I did not authorize this nor would I have held the account with them. I started out with {$1000.00} but the account ended up with {$850.00} which was turned over to the state for unclaimed property ( I do not have this money as I await due process from the state ). I called XXXX and they stated they can not do anything for the account nor refund any money they illegally took. I would like XXXX to refund the fees that were illegally charged. I signed no documents with them allowing fees to be charged. 

I can not upload any documents regarding this because XXXX never sent me any paperwork regarding buying out my account from XXXX but I did find out the name of the bank and account number from the states unclaimed website.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (AR)

After receiving a copy of my consumer report, I concluded that XXXX Fifth Third Bank Acct # XXXX Violated 15 U.S. Code 6802 Rules of Construction for VIOLATION OF SECTION ( b ) OPT Out section ( B ) ( C ). 

( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN XXXX financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

In addition, XXXX continues to re-age this debt by reporting recent payments that has not been applied.
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

A third party debt collector placed a debt unto my infant trust name claiming that i owe them money for a debt owed to a different company i have disputed before. I have asked them to provide a copy of the original agreement and contract or the debt itself rather they have produced only a series of made up bills. The bills do not look like something I've been involved in. According to the FDCPA and UCC law as well Cal Civ Code 1401 states that in similarity that there must be evidence of the alleged debt and it appears that they only have my mailing address and nothing has been provided by this company whom I've made attempted to call and speak with them on two occasions and nothing comes from it. 
Ive been told by an employee that the person i was to speak with wasn't in their office and I've called back and I've gotten the same response. This company does not have my proper mailing address and they've presented only bills. I have not had a XXXX  account in over a year now and nothing is making sense about this matter.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (AL)

There are XXXX account reporting incorrectly on XXXX XXXX XXXX. This has caused me to not be able to buy a home or a car for my family and I. PLEASE HAVE THESE ACCOUNTS REMOVED ASAP! THIS IS CAUSING ME TO NOT BE ABLE TO USE MY BANK ACCOUNT WITH MY BANK. XXXX XXXX ACCOUNT NUMBER XXXX. WELLS FARGO ACCOUNT NUMBER XXXX PLEASE REMOVE THESE FRADULENT ACCOUNTS FROM MY CREDIT REPORT/ XXXX XXXX XXXX
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is the sixth request for my credit report. One of the associates said it was complete and sent me a letter showing it was completed and sent another letter asking for more information. I had previously sent them a drivers license and social security card but they wanted more. I am not employed anymore but retired. So how can I send them an employment certificate. Now they want a birth certificate. I was not born here but I sent them all they needed to release the FREEZE on the now sent another letter for kids certificate. I do not have any kids and who the XXXX said I had kids for you to be asking for certificates and a copy of my report you sent to me. I will send you a copy of legal action in the next letter and will be my last letter to you if want to play games.
Consumer complaint received 2020-02-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I currently have z title loan through XXXX the loan is for {$5000.00}. They are charging me 136 % apr. And {$600.00} a month payments. I called them on XX/XX/XXXX to speak with a account manager to restructure my loan due to California changing intrest caps on predatory loans. The loan was opened in XX/XX/XXXX the law changed on XX/XX/XXXX. The company refused to change the amounts making this near impossible to lay off
Consumer complaint received 2023-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

A late fee was charged on XX/XX/XXXX which i dont't have a problem with. What i do have a problem with is the fact that the policy of " one late fee waiver for the life of the loan '' has never been disclosed to myself in the 3.5 years that I have had this loan. When trying to talk with customer service, the reps are rude and the supervisors aren't much better in terms of being rude condescending and putting the blame back on the consumer. 

Also, I do believe contrary to the sarcastic rude supervisor i spoke with in the XXXX o'clock eastern hour on XX/XX/XXXX that banks are actually required to disclose all policies and procedures. I say this as the supervisor had the audacity to state " Citizens isn't required to disclose any of their policies to acct holders '' That phrase to me seems like a class action lawsuit just waiting to happen ( not stating anything other than what is stated, so don't read into it )
Consumer complaint received 2023-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2023 I contacted TD Bank to inform then that my interest has not been calculated appropriately for the last couple of years. I have over the years visited branches to complain about the interest as compared to fed rates. Each time the give me a whole story about if I change to a different account I would get more interest. After changing to different products and even putting money into a CD deposit I am only seeing pennies on the dollar, compared to the amount of money I have held in the account and advertised on there websites. I have maintained various balances with the expectation of receiving appropriate interest. 

I am sure that they are doing this to scores of customers. When I contacted them I spoke to someone named XXXX who informed me that I would be contacted on Thursday by a branch manager named XXXX XXXX no last name given ) four ( 4 ) business days later I have yet to be contacted. Right before I hung up XXXX asked would I like to be transferred into yet a different savings account product. I told them that they first had to explain to me where my interest on my money is first.
Consumer complaint received 2020-02-06
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Key 2 Recovery, Inc. (KY)

After I questioned the company 's process on settlement of my debt, the representative snapped back at me, cutting me off, and telling me that I was rude and disrespectful, then hung up. ( After I called the collector and made a generous offer to settle my debt which was immediately not entertained. ) I immediately felt harassed and lied to about my own behavior.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name 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 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 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XX/XX/, I spent two hours trying to get someone on the phone to assist me in getting Toyota Motor Credit Corp. removed as a lienholder as shown on the XXXX XXXXXXXX XXXX XXXXXXXX Department Boat Asset Details ( see Exhibit A ). I spoke with XXXX, Agent # WJVW, XXXX Agent # XXXX, and Supervisor XXXX Agent # XXXX and nobody could provide me with a person that could resolve my issue in a timely manner, nor could they provide an email where I could send the evidence showing Toyota Motor Credit Corp. has a XXXX on my boat title. XXXX XXXX could not disclose his direct XXXX and said the only way to resolve this matter is to send a fax. Nobody could find an account number and I was told that Toyota Motor Credit Corp. did not even make loans for boats. I was given XXXX XXXX # ( XXXX ) XXXX which did not even work. In addition, the Toyota Motor Credit Corp. number displayed in XXXX searches ( XXXX ) XXXX did not even work.
Consumer complaint received 2023-08-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

We had some late payment on out account due to the XXXX XXXX Pandemic. we could never catch up and it kept being 30 days late, we have since traded it in to stop from being 30 days late. it was hurting our credit to have all of these 30 day late payment. our household was effected and we did have to quarantine a number of times being a family of 4.
Consumer complaint received 2023-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

I sent PHH Mortgage {$100000.00} payment, which they lost and said they never received. 
I contact my bank ( Chase ) and obtained proof of payment & receipt, which I sent to PHH Mortgage. After seven days, they finally found my payment and applied it to my loan. 

Then they tried to take some of the money and apply it towards the next month 's monthly mortgage payment, which wasn't owed yet. After multiple calls and waiting days, they finally reversed the extra mortgage payment and applied my overpayments to my principle. 

After getting my principle credited, I requested a payoff quote and sent in the final payment that same day. They received my payment, but won't apply it to my outstanding loan balance. Now the first of the month has rolled around again and they're saying I owe them another mortgage payment. I've already paid them all the money owed. Please assist.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (MD)

On XX/XX/XXXX I attempted to close my business checking account with M & T Bank. I emailed the bank my request. Five days later, no one from M & T had bothered to answer my email so I sent the bank a second email stating that, as far as I was concerned, the account was closed. The bank charges a {$50.00} account closure fee, so I withdrew all but {$50.00} from the account. Finally, on XX/XX/XXXX, " XXXX '' replied to my email and informed me that in order to close the account I would have to either write a letter to or visit the branch where I opened the account. Obviously, the bank wants everyone to have to jump through as many hoops as possible in order to close their account, but what she told me was a blatant LIE I read every page of M & T 's Commercial Deposit Account Agreement after I opened the account, and this is what the agreement states regarding closing an account. It is Provision 25 ( d ) of the agreement : " Client must provide Notice to M & T to close an Account. '' That is ALL that it states. On XX/XX/XXXX I replied and notified XXXX that if my account wasn't closed by XXXX I would immediately file formal complaints with the XXXX XXXX Md. Office of Consumer Protection, the CFPB, Md. Attorney General XXXX XXXX XXXX, and the Federal Reserve Board. Early this afternoon, someone from M & T called me and told me that she would have to get permission from the manager at the branch in which I opened the account in order to close it. ANOTHER LIE. Nowhere in the Commercial Deposit Account Agreement does it state that an account can only be closed after receiving approval from a branch manager. I have no idea who manages the branch and have never spoken to him or her. Later today I saw that my account had been closed. I also saw that the bank charged me, and then waived, a {$20.00} " Final Analysis '' charge. I'm glad that it had been waived, because I have M & T 's XX/XX/XXXX Corporate and Institutional Deposit Account Fee Schedule, and nowhere on the schedule is a " Final Analysis Fee '' even listed. 
Even though my account was closed today, I'm still filing my complaints. At best, M & T is making it more difficult for customers to close their accounts than it should be, but I think it may also be egregiously breaking the law. Therefore, even though the OCC doesn't directly regulate M & T Bank, I'm going to send a copy of my complaint to the OCC as well. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just recently looked at my credit report and noticed some fraudulent accounts appearing on it. Reinvestigate and remove the accounts listed below. 

Account Name : XXXX XXXX Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. Based on consumer law

15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit repo
rt.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.