davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

Citibank, withdraws funds from my account without record as to why, and without proper notifications or consent. I do not believe Citibank follows due process in alerting customers and keeping proper record of such transactions. 

For example, I just had a {$600.00} ACH withdrawal from my account and the bank " could not provide any explanation or details on the incident ''. Yes, thats correct. Money was withdraw without authorization, explanation, and nobody has a record of why this occurred. 

In detail, On XXXX/XXXX/2017 I received a promotional credit of {$600.00} from Citibank for becoming a customer. Today, they subtracted the {$600.00}, nobody from customer service could provide an explanation. However, when I asked was this an employee or computer error ; the representative then stated it looks like human error, but could not provide any further info. Thats alarming cause that would mean some unprincipled, deceitful, and unreliable employee has access / rights to subtract funds from customers without a proper trail or report as to what happened. 

I am contacting you cause I think Citibank is abusing its power / size, in attempt to break laws or at minimum show little regard towards there customers interests. 

I would like your assistance in obtaining a synopsis from Citibank, outlining who and how their employees have access to and can make changes ( including withdraws, credits, and contact info ) to customers accounts without formal notice nor proper records of such transactions. 

If Citibank can not keep proper records of there own activities then how to they protect customers. A global bank of this magnitude should have meticulous records ; not " I do n't knows ''. 

A PDF copy of Citibank 's promotion has been attached. Where as you can compare their terms and conditions against there own unlawful actions. Im wondering if they tried pulling a fast one. For instance, if I did not make a copy of this flyer, they could then find reasons to go against there word and take back an offer ( false advertising or trickery ). 

Your assistance is greatly appreciated. I want to make sure similar activities do not happen to others.
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please see Consumer Financial Protection Bureau complaint # XXXX XXXX Bank and the letter I received XXXX XXXX, XXXX dated XXXX XXXX, XXXX that list Transunion Consumer Relations XXXX. Transunion, XXXX XXXX XXXX XXXX, PA XXXX XXXX I am unable to reach Transunion list in the letter received from XXXX XXXX 's which is in retaliation to a XXXX Bank credit card. I paid XXXX 's off early before a promotional deal and paid for a 5 year extended warranty. When I ask XXXX 's for documentation for the extended warranty still effective - - I was told the receipt was proof of payment for the extended warranty and the XXXX 's XXXX care can be checked for verification. I only authorized XXXX 's to do a credit check when I obtained the card at the XXXX XXXX XXXX XXXX XXXX, Ca. Town center not in retaliation years later. Again, I can not reach anyone at Transunion which is listed as a sourced involved in the XXXX Relation/XXXX 's Matter.
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Overlimit fee — 
Company: CITIBANK, N.A. (CA)

I have a Macys credit card and i wanted to place an order which never in the past i had an issue and when i was on the chat screen with someone from Macys they told me i was past my credit limit and i asked how much and they well your limit is {$600.00} and you are at {$800.00} and something cant quite remember the exact amount. but i said " WHAT! '' how can i be past my limit when i was never told i was past my limit and to this date i get emails from you saying to pay the minimum due which is {$29.00} and i pay {$30.00} or more! How can they do this isnt this a ripoff?? if im at my limit there should not be any more charges past that amount!! I should only be charged the {$600.00} which is my credit limit! 
please advise me or let me know what to do
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MD)

I made a charge on my credit card and later discovered that it was a scam. When I got back to the states I tried to cancel with the company and was given the run around. I contacted CitiBank and made a complaint. Apparently I did the complaint incorrectly according to them and because of this the dispute was cancelled and my {$2900.00} ( they game me a {$110.00} credit ) became my responsibility even though the company has given me absolutely NOTHING for the money. CitiBank states that I was suppose to dispute the amount ONLY but did so afterwards. I have never had this concern. I have no way of contacting the company because the numbers are not working for me and I have been left with nothing. This complaint involves CitiBank, Mastercard, XXXX XXXX ( people I signed up with in XXXX, XXXX ) and XXXX ( people I was supposed to have the vacation plan with and I am unable to get in contact with by number provided on contract and online ).
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I apply for auto loan through XXXX XXXX company, I told the finance department that I want to apply only though XXXX bank, and I applied by my self oniline though XXXX XXXX XXXX. 
I found that they applied through XXXX bank, XXXX XXXX XXXX and XXXX XXXX without my permission, When I returned to them, they said it was mistake. 
How can I remove those hard inquiries that I did n't authorize.
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (MD)

Citibank continues to lie and stall about my closed account. They cashed XXXX checks and told me they never received them, even accused me of lying. The checks were sent to their XXXX department. I have the banking statements. My Congressmen XXXX XXXX 's office has been assisting in this matter. Since their intervention in XXXX Citi apologized but soon after reneged. Now Citi has gotten very retaliatory. Not only have they reneged on their agreement to settle for a lower amount they now increased it. They are crooks and the world knows it!
Consumer complaint received 2018-07-17
Product: Debt collection — Medical 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: Meade & Associates, Inc. (OH)

Company : Meade & Associates , Inc. ( A 3rd party debt collector ) Starting around XX/XX/2018 I began receiving calls from Meade & Associates , Inc . Sometimes they call from the same number, sometimes the number is different. The numbers are as follows.

XXXX ( This one calls the most ) XXXX XXXX All of them leave the same threatening voicemail messages stating if I do not call them back local authorities will be contacted, and I will placed under custody, etc.

This is in relation to a XXXX hospital bill that I have been paying on sending small payments to the hospital itself.

I now receive about 10+ calls a day ( XX/XX/2018 ) from the numbers above.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called XXXX and TransUnion to correct my credit report. XXXX seems to have got it right. However, I have called TransUnion twice and also written a letter to their CEO to complain about one of their supposed supervisors whose attitude was deplorable and after spending an hour on the phone twice with TransUnion they still have things on my credit report that should have been removed. There are duplicates and the second person did not change one thing that I told her to. She was obnoxious and did not do her job and I am now reporting them for fraud as they continue to not correct the problems on my credit report. They have lowered my score since talking with this supervisor because they did not correct and they added an additional bankruptcy after I have worked very hard to improve my credit score and have done so with the exception of TransUnion. And they apparently did it with the blessing of their CEO. I want this investigated because after my husbands brain injury we have both successfully brought up our credit score and TransUnion has duplicates and has added another bankruptcy and their has been no such occurrence. I 'm sick and tired of the poor oversight on these agencies and with XXXX their is no actual phone number unless you pay for and get your hard copy report and then then they give you a number to call. This needs to be investigated. They have my husbands credit on mine and mine on his. And they have credit that was released in bankruptcy and should no longer be on my report. And they have accounts on their twice in a number of instances. I want them to contact me and we must get this score where it should be. The other agencies have, so what is their problem. And I want the CEO checked out to because he knows it has not been corrected and because he may know this person is allowing the corrections to not be made.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX someone broke into my car and stole my personal belongings, in which included my social security card and drivers license. With this information, they were able to authorize the following companies to make credit inquiries and or open up multiple service accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all in XXXX, GA. I did not authorize these companies to put an inquiry on my credit account and would like these inquiries removed. As far as I know, the only account that was opened was with XXXX on XX/XX/XXXX and since then has been disputed. My ultimate goal is to be able to purchase/finance a car, but in order to do this I would like to first remove all unauthorized credit report inquiries.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Experian charges me {$24.00} a month for a service I did not sign up for. I have called numerous times to cancel and they do not do it. It is impossible to speak to anyone on the phone.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I have been trying to get a loan modification for over 2 years from my lender BSI Financial. They routinely turn me down for a loan modification for reasons that are false, ( this last time they said that I only make XXXX a month and that is not enough, but in reality I make over XXXX a month ). They never return my phone calls and I had to file chapter XXXX a year ago to keep them from selling my house out from underneath me. Until XXXX I was paying the Chapter XXXX trustee over XXXX a month and my loan payment of XXXX to BSI. But I have not paid them since XXXX but have stayed current on my payments to the Trustee. I have found thousands of consumer complaints about them and they have done everything possible to get me out of my house. Please help me keep my home
Consumer complaint received 2016-08-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I signed up for CITIGOLD promotion XXXX XX/XX/XXXX to earn XXXX AA miles after completing particular requirements. I completed the requirements timely and received multiple written confirmations that I completed the requirements. Months had past and I was never given the earned promotional miles. Then recently, I noticed I was erroneously given the wrong kind of promotional bonus, citi thank you points. I filed a dispute and now Citi says they will not give me the AA miles, the actual promotion I signed up for, because I was given citi thank you points. To be clear, I do not want and never wanted the Thank you points. I want the XXXX XXXX miles that are rightfully mine and have confirmed to be mine on several occasions. I also want to be refunded {$60.00} in bank fees Citi has charged me while I wait for them to fix their mistakes.
Consumer complaint received 2016-03-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ENCORE CAPITAL GROUP INC. (CT)

I 've taken action during the past 60 days, to date MIDLAND FUNDING has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not bee successful. Should you need any other information, please let me know. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-07-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (IL)

I purchased a vehicle back in 2008 and when the economy crashed I lost my job. I tried to keep the car but was not able to. I asked for help from Santander but they would not. I surrender the vehicle back to them. Santander sold the car at an auction for much less than what I owed. I have asked them to remove the balance from my credit but they refuse to and even though I have asked them over and over again the balance still remains. I just tried again and was told by the credit bureau to contact you if they still refuse to help. Let me know what information you me.
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX ( XXXX, Oregon ) is reporting a collection on my account that exceeds the 7-year statute. 

The Original Creditor was XXXX XXXX XXXX and the date of the last payment on the account was made on XXXX/XXXX/2009. Approximately eighteen months later, XXXX XXXX purchased this account My EXPERIAN Credit Report does not provide a LAST PAYMENT DATE but my XXXX Credit Report reflects the date of the LAST PAYMENT correctly - As XXXX/XXXX/2009 Experian has sent a response stating they are " unable to honor my request based on the limited information I have provided. '' I have provided Experian with a copy of my XXXX Credit Report which CLEARLY shows the date of the last payment as being XXXX/XXXX/2009. 

XXXX XXXX has NEVER responded to repeated requests to VERIFY the date of the last payment with the original creditor - If they were to do so the date would show XXXX/XXXX/2009. They are using their PURCHASE DATE as the date of the LAST PAYMENT, and this simply is incorrect and as you are aware in violation of the FCRA his account notation should be removed..
Consumer complaint received 2016-07-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (DC)

I am writing to you requesting assistance with a continued discrepancy and conflict with a previous creditor. I previously filed a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA with Santander Consumer Finance USA. I made it explicit that it was NOT a request for " verification '' or proof of my mailing address, but a complete competent legal validation of the accuracy of information reported to my credit profile for entries made by Santander Consumer USA at XXXX, XXXX and XXXX. I have not received this validation or a correcting of my credit profile to date. This issue arises from an account I originally initiated with Roadloans.com for an auto loan in XXXX that was subsequently transferred to Santander Consumer USA XX/XX/XXXX. The Roadloans.com account only ever reported to my XXXX credit profile. The date of first delinquency for the account with Roadloans.com was XXXX XXXX. Following a period of delinquency with Roadloans.com from XXXX XXXX to XXXX XXXX the account was transferred to Santander Consumer USA. The account was never brought current and was subsequently charged off by Santander Consumer USA in XXXX. The Roadloans.com account was deleted from my XXXX report XX/XX/XXXX as the seven year reporting period had passed, however the Santander Consumer USA account is still on my credit report. Both entries should have been deleted simultaneously, because they are for the same account with the same terms and payment histories. They share the same date of first delinquency and should, as such, share the same date of deletion from my credit profile. Additionally, Santander Consumer USA has : 1. ) reflected payment activity on the account XX/XX/XXXX to my XXXX credit profile which is completely false ( this was AFTER they had charged off the account ) ; 2. ) reported payment activity XX/XX/XXXX to my XXXX, XXXX and XXXX credit profiles which is completely false ( this was also AFTER they had charged off the account ). It is my belief that they are reporting this inaccurate account in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account with a fictitious payment history and inaccurate information to result in a greater negative impact to my credit scores. 

I am requesting your assistance in getting Santander Consumer USA to immediately delete this tradeline from my credit profile at XXXX, XXXX and XXXX, as the date of first delinquency is past the seven year reporting timeline and the information is inaccurate or incomplete, and they can not verify the accuracy or completeness of the disputed information, as required under FCRA 623 ( 1 ) ( E ).
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

In XXXX 2016, I found out that someone had made unauthorized withdrawals from my bank account when my rent check was returned for insufficient funds. I went to the bank to tell them I had been a victim of identity theft. They did not cancel my ATM card. On my XXXX statement, I saw additional unauthorized charges. I filed a police report and brought it to the bank to report the fraudulent charges. The bank representative was very rude and accused my granddaughter of using my card to make withdrawals. The bank representative would not believe that I had been a victim of identity theft. I lost over {$3000.00}. I asked the bank to investigate. They wrote me a letter a few weeks later saying the charges were authorized, but gave no details. Meanwhile, the police have identified the suspect and are preparing to make an arrest.
Consumer complaint received 2016-03-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WINN LAW GROUP, APC (CA)

I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been sick to my stomach over this. I am barely getting on my feet financially. Please let me know what I can do?
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear Sir/Madam, Subject : Complaint Against Receivables XXXX XXXX for XXXX XXXX FDCPA ( XXXX U.S.C. XXXX ( c ) ) I am writing to file a formal complaint against XXXX XXXX XXXX for its failure to comply with my request to cease communication as required under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 
On XX/XX/year>, I sent a written notice via certified mail to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, requesting that they cease all further communication with me regarding the alleged debt associated with account ( s ) number XXXX. I informed them that I refuse to pay the debt of {$1300.00} originally opened on XX/XX/year> and that any further communication should cease immediately, except for the reasons permitted by the FDCPA. 
Despite my written request, I have continued to receive communication from XXXX XXXX XXXX through phone calls, letters. These communications are in direct violation of my rights under 15 U.S.C. 1692c ( c ). 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX for violating the FDCPA. I seek your assistance in ensuring that this agency ceases all further communication with me regarding the alleged debt and that any necessary penalties are imposed for their non-compliance.
Consumer complaint received 2016-03-02
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

i have been getting calls from Midland Credit Management. i have blocked many many numbers from them. They keep calling from different numbers and leave no messages. they call almost every day. it is really starting to become bothersome. this has been going on for way too long.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (NY)

I was charged double interest. 
I paid last statement in full and also prepaid a portion of the current statement ahead of the closing, still XXXX XXXX charged me interest, XXXX calls routed to XXXX were disconnected, and XXXX call to XXXX still waiting, I am in hold for over 100 minutes .... 

I request a full credit of {$25.00} for interest charges that it should not have been, their explanation is that the go back two month.