davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NJ)

On XX/XX/2020 at XXXX XXXX.. I received a text message indicating that my account was locked, to click on the link to unlock it. When I clicked on it the CITI logo came on, and it looked legit. So I proceeded to input my login and password. at about XXXX XXXX  I logged into my account just to check. That's when I saw that there had been 3 transactions. {$1000.00} from my line of credit was transferred to the regular checking, and two transactions were done using XXXX, one for {$500.00} and the second for {$450.00}. I immediately called customer service, and when I got someone on the line, explained why I was calling. 
The young lady then asked me if I was doing a transaction at that moment for {$350.00} to someone named XXXX XXXX, told her no, that I called because I did not do these transactions.She told me she was going to cancel the transaction for {$350.00} so it wouldn't go thru, and that she was going to lock my account so no other transactions would go thru, and that I had to go to a branch the next day to close the account and open another one. When I went to the branch the next day the representative that assisted me told me that I was the 3rd person to go there with the same issue, 'her name XXXX XXXX XXXX the XXXX XXXX XXXX branch in the XXXX XXXX Then she transferred me to the fraud department, where they asked me a series of questions regarding the two transactions and the person XXXX XXXX.Since then I have been trying to explained to Citibank that I had nothing to do with this, but they still want to hold me responsible, and have me on collections for the money. They insist I did the transactions, because of the way my account was accessed.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

I only have one collections account. Its from an old XXXX bill, the collections agency ERC is coming after me for {$860.00}. I was young & dumb, I wish I could pay it off but I dont have the funds to pay off this amount. I know taking care of my credit is important but my paychecks go to rent & my car payments. Please help, thank you.
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

This is regarding my XXXX XXXX Credit Card handled by Citibank. I won a complaint against XXXX XXXX and accepted a settlement. The settlement refunded over a {$1000.00}, but I'm still being charged interest on the settlement amount. 

I'm looking at my account message sent history. There are Eight messages sent - All have a status of Unread I have called the dispute line and have faxed the settlement agreement to their dispute office several times. I've been on the phone and have been cut off after getting a live dispute rep on the line. 

They will not adjusted my interest. I want to file a complaint.
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing, Inc. ( SPS ) T is calling us saying that they are ready to send our mortage loan to a lawyer and telling us that they are going to sale our house. We refinance our home back in XX/XX/2005 with a company that closed it doors and transfered our loan to multiple companies in between. We have a current mortage company. Select Portfolio Servicing, Inc. ( SPS ) bougth a loan from XXXX that was paid in full by a company that closed it doors. We have a deed of Trust that show that was returned to us and we transferred to our current mortage company. We have multiple legal documents that show that the mortagage that they are claiming is paid in full. They want a copy of the check of the payoff. The tittle company that we deal with it is closed too and there is not way to get a copy of that check. We been dealing with the previous company for years but it never got resolved. This company is determinated to leave us out on the streest if we don't pay this ghost account.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX shows inaccurate balance for my XXXX account. Update not done every 30 days which penalized my credit report and credit score. As of XX/XX/2018, the accurate balance is {$22000.00}.
Consumer complaint received 2020-04-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Armada Corp. (WA)

I have a few problems with this establishment 's tactics, so I will try to wrap it all up here. Armada corp has a monopoly on debt collection in XXXX and XXXX county, and they know it and use it to their advantage. My account with Armada started over a decade ago and has since become over thirteen ( 13 ) different accounts for each debt they found ( or created ). Armada has on every charge failed to inform me of new debts as they came in. Looking at the only document Armada has sent me in our ten-year relationship shows a pattern of paying off medical debs or non-criminal/traffic debts. This is important as they use these kinds of debts as another means of pressuring citizens into paying them. They do this by threatening to A : Charge you a higher interest rate and B : Suspend your driver 's license. The big issue ( besides this entire industry ) is on XXXX a new account was started from XXXX County XXXX. I moved from that part of the state in XX/XX/XXXX. I believe that Amada is fabricating debts for their own sick capitalist-driven gains.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (VA)

I have contacted the goldmansachs on several occasions most recent XX/XX/XXXX and XX/XX/2020 about the balance being incorrect ( I have a XXXX balance but they are reporting {$2400.00} ) as well as the payments being reflected incorrectly. ( all payments have been made on time ) They have not reported to XXXX   ( the credit reporting they use ) since XX/XX/2020. This card has been paid in full since XX/XX/XXXX. I have started a dispute witg XXXX and both times they maintained my balance was {$2400.00} but when I spoke with goldmansachs they acknowledged my balance was {$0.00}. I have asked them to report the new balance. They said they would inly report that the account is in good standing and not report the balance as XXXX according to XXXX a goldmansachs specialist, because my account was XXXX and they felt they had nothing to report. Even tho she said they report monthly or every billing cycle. When I pointed out it had not been she repeated her original statement. And refused to report the new balance.
Consumer complaint received 2020-09-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

This account was paid off XX/XX/2019, have received several paid notifications and now they are saying they did not get paid even after I have sent them TWO copies of my bank statement showing it HAS been paid in full.

This company is saying that " This was not sufficient, and she was asked to provide a 30-day bank statement. Ms. XXXX provided the bank statement however the statement appeared to have blacked out multiple transactions. It was apparent that the reversed transaction for the {$160.00} was redacted. '' How can they know what was redacted and what was not? I redacted information that had NOTHING to do with this company is my PERSONAL FINANCIAL matters and is NOT SUBJECT to MoneyLion 's approval or not -- I SENT THEM TWO BANK STATEMENTS SHOWING PAYMENT IN FULL OF THIS DEBT and they REFUSE to acknowledge this was paid - my statements are showing the payment went through - I never disputed anything - they are FRAUDULENTLY TRYING TO EXTORT MONEY FROM ME FOR A DEBT THAT WAS PAID IN FULL OVER A 1.5 YEARS AGO
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2020-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I got this loan in XX/XX/2019 they lend me XXXX I pay XXXX XXXX monthly. I just called to get pay off and I owe {$2800.00}. I never realized how high the interest is. I called and they said my interest rate is 125 %. Its ridiculous high. I dont think that should even be legal.
Consumer complaint received 2020-04-10
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. (FL)

I'm writing, because i don't recognize this account. I had a problem before, somebody used my information and applied for credit cards. I never had any contracts with this company, i'm not responsible for this debt
Consumer complaint received 2020-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: STERLING JEWELERS, INC. (SC)

On XX/XX/2019 I was contacted and harassed by XXXX XXXX XXXX XXXX on the behalf of Kay Jewelers in regards to a debt in the amount of XXXX. I was told that if the debt was not paid at that exact moment, that I would be served with papers and sued with the possibility of jail time. There was no option of negotiating the debt, and when asked what would be done once the debt is settled I was informed that they would remove the account from all three credit reporting agencies. It has now been 1 year and the account remains. Also, they have harassed family members after the debt being paid. I paid the debt with my husbands credit card and have attached that document as well.
Consumer complaint received 2020-04-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2020 I was locked out of my Coinbase account. I tried to get in and I was not allowed in so I decided to change my password in which I did. Everytime I tried to log in Coinbase would send me a validation code I needed to enter my account via text message. Every time I used the code they sent me, it would say invalid code. This was done over 10 times and I would always recieve a message saying invalid code. These are the access code sent to me by Coinbase themselves. I tried calling them and Coinbase does not allow you to speak to anyone by phone, only through email. This is so unprofessional, seeing that they have billions of dollars from customers on their platform. Having this much money belonging to clients and not being able to speak to someone physically is completely wrong. I sent them several email and many went without a response and the 2 they replyed to told me my file was closed and that they could not assist me any further. I kept sending emails telling them email stating I needed access to my account and it was completely ignored. At this point i am in a state of panic, because I recieve a message telling me that my XXXX litecoins and my XXXX xrp coins were converted to Bitcoins. I authorized no such transaction. I gained access to my account on the XX/XX/XXXX only to see that I had no more xrp and litecoins in my account, it was all converted to bitcoin. There was also a sale of XXXX of bitcoin from my account. All these transaction were unauthorized and unknown to me. I have been emailing Coinbase that I need an explanation as to what is going on and they refuse to reply. This is so lowdown and dirty by Coinbase. They are very crooked and unprofessional. I need answers or I will take legal action. Coinbase needs to compensate me for all the troubles and return any fees taken from these unauthorized tranactions. I was trying to purchase coins at a lower price and now the coins went back up, so if I were to convert them back I will lose on the amount of coins I initally had. Fraud!!!!!!
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (CA)

On XX/XX/20 I applied for credit with XXXX XXXX and the reporting agency reported my credit score at XXXX this score is completely wrong. My credit score in XXXX, there may have been a typo on the application or an error with in the company XXXX XXXX XXXX
Consumer complaint received 2020-09-24
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. (NY)

Citi Bank was advertising an account opening bonus of {$700.00} if a minimum balance of {$50000.00} was maintained for 60 days in a newly opened account. 

I have maintained the balance for 60 days and waited for extra 30 days to received the bonus. However, I have received an email notification stating that I am not qualified for the bonus since a tax document XXXX has not been submitted. 

This is not correct. I have submitted the form when I opened an account at their branch office. Also, I submitted it in early XXXX again at their branch. In addition, I submitted twice through email to their tax department. Also, their customer representative has confirmed on XXXX XXXX that my accounts are XXXX certified and so I do not need any additional procedure. 

It appears to me that Citi is just trying to find an excuse not to pay the bonus which they have adviertised.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

XX/XX/XXXX : 4 Fraudulent transactions were made through XXXX to my Discover Card. My XXXX / XXXX Account possibly the merchant " XXXX '' 's account were compromised and fraudulent transactions ( listed below ) were made : Fri XX/XX/2020 XXXX XXXX XXXX CA SECURITY DISPUTE ADJUSTMENT {$370.00} Fri XX/XX/2020 XXXX XXXX XXXX CA SECURITY DISPUTE ADJUSTMENT {$370.00} Fri XX/XX/2020 XXXX XXXX XXXX CA SECURITY DISPUTE ADJUSTMENT {$470.00} Fri XX/XX/2020 XXXX XXXX XXXX CA SECURITY DISPUTE ADJUSTMENT {$470.00} I contacted my credit card company and initiated a fraudulent transaction dispute. I was told I had Zero liability and my money would be refunded. 

Today I looked at my Discover card and had a very large balance. I contacted the investigations unit and was told that the dispute was closed NOT in my favor. 

The Investigator - XXXX - told me that the reason my fraudulent claim was denied was because they noticed valid past transactions with the merchant. I spoke to XXXX further - and not only did they mess up the associated transactions in the dispute - they did not take my evidence into account at all. Please see below : 1 ) XXXX ( the investigator ) told me that the initial investigator included  transactions that I made with this merchant in XXXX and XXXX of 2020 as fraudulent. I specifically told the initial investigator when he called me on the phone that the XXXX and XXXX transactions were VALID and only the 4 transactions from XX/XX/XXXX were fraudulent. So the VALID transactions were included in the fraudulent dispute which they should not have been. I told the initial investigator that I had previously done business with this merchant and have no idea why they included the VALID transactions. 

2 ) I told the initial investigator that I had proof from my XXXX XXXX account XXXX which is linked to my XXXX / XXXX account ) and also proof from XXXX via e-mail 's that they sent to me telling me that they noticed suspicious activities on my account. I had to provide XXXX and also XXXX with identification in order for them to restore my accounts. When I told the investigator I had this evidence and said I could send it to him - he told me there was no need to provide this evidence. XXXX ( the investigator I spoke to today ) said he had no idea why the initial investigator would tell me not to fax them my evidence. I asked XXXX to open an Appeal on my behalf and provided them this evidence today via FAX. 

Not only did they get the entire investigation wrong by including Valid transactions with fraudulent ones they did not even take any of my evidence into account. The reason for them denying the claim ( they said it was because they noticed previous activity with the merchant on my account ) does not make any sense at all because I specifically told the initial investigator that I had dealt with this merchant before.
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (WV)

On XX/XX/2020, I noticed two fraudulent charges on my checking account. I called PNC Bank in XXXX, PA and filed a complaint. I also called the company, XXXX XXXX, who couldn't even tell me what it was that I supposedly bought from them as I had not received anything at all nor had I ordered anything. Yesterday, XX/XX/2020, a representative that said she was with the fraud office, I was being given a XXXX XXXX for the whole amount of {$130.00}. After the investigation by PNC Bank, they found that in addition to the two {$39.00} on the XXXX of XXXX, PNC had found another three transactions dating back to XXXX of 2020, which was a total of {$52.00}. Instead of giving me the entire amount of {$130.00}, I was only given {$52.00}, which is still short leaving my account in the negative since the XXXX of XXXX. PNCs said they could only give me the first three and I would have to wait up to 90 days for the remainder of {$79.00}. 

My compliant is that the two charges of {$39.00} on XX/XX/2020, should have been paid as a Provisional amount first as it should not have gone through as it was charged on an account that was closed.
Consumer complaint received 2020-10-07
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. (MA)

Dear XXXX / Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education, credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.