davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
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 am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this Citibank credit card, original account # XXXX since 2008. Almost 10 years later. Citibank still want to keep charging the same amount by XXXX is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. Citibank Cycle of Debt : Citibank used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. Citibank use XXXX debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, Citibank would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that Citibank created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). Citibank has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). Citibank want to transfer that to debt collector company XXXX the amount of {$10000.00}. Citibank balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to Citibank around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
Consumer complaint received 2024-10-01
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

In XXXX of XXXX, I lost my purse ( it had my phone, wallet, ID ) and have since noticed unrecognized transactions. 

XXXX was non-responsive to my request for information. 

XXXX I contacted Apple Card for an unrecognized XXXX charge. The representative said they will investigate and keep me updated. However, I received no update or request for information from me. 

XX/XX/XXXX I reached out to Apple Card for an update. Still no response. 

XXXX I was told the case was denied. When I asked why, I received no response. Then, Apple asked me " Have you tried to contact the merchant? '' which I already answered yes multiple times, from the first time I reported the loss. 

Apple Card continued to stonewall throughout the process and provided no evidence, nor detail of the investigation throughout. 

Finally, they agreed to " re-investigate ''. They said it would take a month this time. 

Later, I received the " evidence '' in mail, which was several blanks forms and a receipt of the XXXX ride. Again, I had already reported my identity being stolen, due to the loss of my ID, wallet, and phone. The " ride receipt '' proved little. Anyone in position of my belongings could have taken the ride and generated a " ride receipt ''. 

XXXX, a month from XXXX as promised, I called in. No update. 

XX/XX/XXXX, I called in, a representative named XXXX said " we emailed you the resolution on XX/XX/XXXX ''. I received no communication whatsoever on her specified date or on any date. 

She " resent '' the email on the call and it was the same copy-pasted letter as before. No one reached out to me during the re-investigation. No additional evidence was uncovered or provided. Apple repeated the same gibberish and said " merchant said it is not fraud, therefore it is not fraud ''. 

Apple continued to stall. Case is still not resolved to this date.
Consumer complaint received 2019-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under SARMA Collections Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct..
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (MN)

XXXX for Indiana has no live person to talk to, even after the web site says it has 24/7 service. I have spent over two hours trying to call them, using the number on the card and by using the internet. I have also call my child support division and they tell me they have no way of helping with this issue. I need to report fraud on my XXXX and there is no way to talk to anyone.
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX, I made an international transaction from my Checking Account to an entity in XXXX for the purpose of investment into the company. As per standard practice and regulatory requirements in XXXX for foreign investments, the receiving bank requested XXXX  details from HSBC via XXXX message after receipt of these funds. 

HSBC failed to respond to this request for 10 days, with no action or communication regarding the status or requirements. I had to initiate contact myself, calling HSBC to check for this XXXX  message and to request that the necessary XXXX  details be sent. This should have been handled promptly by HSBC staff without my intervention. 

When HSBC finally sent the XXXX  details, they committed a glaring error : my name was entered in the field designated for the banks name. This further complicated and delayed the compliance process. 

When the receiving bank requested corrected details, HSBC again failed to act promptly, instead choosing to sit on the urgent request for an additional 15 days. Throughout this period, nobody from HSBC contacted me to provide updates or rectify the errors. 

I only became aware of the ongoing delays and the need for corrected details from the recipient, not from HSBC. Starting on XX/XX/XXXX, I called HSBC every hour in a desperate attempt to get them to send a XXXX  message with the corrected details. Despite my persistent efforts and the clear urgency of the situation, nobody at HSBC took action for XXXX full days. 

On XX/XX/XXXX, I was finally informed that a XXXX message had been sent. However, I was not told what details were included in that message. Even after explicitly stating the urgency and the need for accurate information, I was informed to wait for the receiving bank to receive the XXXX message. It turned out that the message HSBC sent was merely an acknowledgment, stating that they would respond in due time, without actually including the corrected XXXX  details. 

After weeks of delays, errors, and four days of hourly calls, HSBC 's only action was to send a non-substantive message rather than addressing the urgent compliance request. As a direct result of these incompetent practices by HSBC, the XXXX regulator has voided my investment, and the receiving bank is now required to return the funds. 

In response to my original complaint to HSBC, their Customer Relations team merely refunded $ XXXX external fee that HSBC itself charged for facilitating the transfer. This gesture is wholly inadequate given the significant financial impact and the stress caused by HSBCs repeated failures.
Consumer complaint received 2019-01-21
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: BBVA FINANCIAL CORPORATION (IL)

On XX/XX/2018, I was notified by BBVA Compass Bank via e-mail of a Fraud Alert concerning a transaction in the amount of {$420.00} attempted by XXXX XXXX XXXX XXXX XXXX. I called them immediately to let them know it was indeed a fraudulent transaction which prompted them to remove the account and send me a new Visa credit card. I was told an investigation would be opened that day ( XX/XX/2018 ) and I'd be notified via US Mail of the outcome. It's been more than three months and the issue still has not been resolved. The fraudulent charge keeps showing up on every new statement ( along with the interest ) and every time I call for an update I'm told the investigation is still in progress. I've called the Fraud Department number directly ( XXXX ) but after being on hold for more than 50 minutes each time, I just hang up. The incident # is XXXX. Per your website, BBVA Compass is REQUIRED to resolve these types of disputes within 90 days and they have failed to do so. Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2019-02-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (GA)

I became XXXX in XX/XX/XXXX, my income dropped to less than 1/4 of my previous salary, after I exhausted my 401K and retirement benefits before my XXXX benefits were approved. I applied for a home modification loan with my lender Quicken Loans. I started a trial modification in XX/XX/XXXX. At the time, the terms of my loan was : unpaid principal balance : {$110000.00}, the new principal amount : {$80000.00}, with the interest rate going from 4.375 % to 4.75 % for the term of 30 years. The other {$34000.00} was attached to a promissory note, non interest bearing, payable on XX/XX/XXXX or at time of sale or early payoff of original loan which was secured through HUD. The problem that I have with this whole process is that I could not find answers to my concerns of questions regarding this modification and whether I was afforded the best program/solution to meet my needs and allow me to have a successful outcome. I spoke with the HUD housing counselors " XXXX '' on several occasions and received various and conflicting answers/explanations. I was referred to legal aid and other so called help website, all of whom could not offer me any assistance in my area, understanding this loan modification process. I feel that I am at the mercy of Quicken Loan and their network and lawyers and the like, yet I can't find any to work for me.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I've been contacting Equifax for a few months now about this disparity on my credit report. Equifax has willfully and knowingly ignored my request to honor my FCRA law rights. I am a victim of identity theft. Someone has taken my identity and opened up several student loans and a couple of credit cards. I should not be held to any responsibility to these accounts as they are all unauthorized. I've initiated disputes and included all the necessary valid documentations as told to present for the bureaus to honor the FCRA 605 ( B ) law. Still, Equifax is the sole credit reporting agency that is being negligent and at fault for my current hardship. It was only suppose to take 4 business days after receipt of receiving my cover identity letter, proof of identity, list of fraud items, personal statement and valid FTC report to block these accounts as fraud. Equifax has yet to fulfill their job stating their investigations are completed. No results for me. 
I look to sue Equifax for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

I just received a phone call at XXXX XXXX  from XXXX XXXX   claiming that she was doing a curtesy call and that she was a lawyer trying to do a follow up of a complaint I made thru you guys against a payday loan and XXXX XXXX  she when I then asked to clarify who she or what company she was from and then stated XXXX XXXX  I said I should not be talking to you if your the one I am making a complaint to and that she should not be calling me she should be giving the CFPB a response to my complaint not following up to me directly regarding the complaint seeing that she also stated that she is a lawyer she should of known that and not reached out to me to question me about a complaint made to XXXX XXXX  the fact that she went behind and directly reached out to me is not what she was suss posed to do not know where's when I make this complaint nor when I submitted that complaint did it says that the person that I made my complaint about would reach out to me the CFPB stated after and in the following email that as soon as you guys recieve a response you will follow up with me of the response from the business not that the person said complaint was against would reach out to me that is a lawyer tactic she was trying to get away with thinking that I would not catch on I do feel that she reached out to me as a tactic to so called get me to incriminate myself per say by saying something not as the same for first complaint I feel she was not proper and that a lawyer with any professionalism especially someone with XXXX XXXX  would know not to call me as well as making a what she called it a curtesy call before she gave the CFPB her response the call lasted 6 minutes as recorded on my call log
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ( XXXX ) XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Re : Debt Validation Request for Account XXXX, Dear Portfolio Recovery Associates, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication regarding this debt on XX/XX/year>, and wish to exercise my right to request further validation before proceeding with any discussions or payments. Please provide the following information : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or contract.

2. Itemized breakdown of the debt amount, including any fees, interest, or other charges.

3. Proof of ownership showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

4. Details of the original creditor, including their name and contact information. 
5. Verification of the statute of limitations, clarifying whether the debt is within the legal timeframe for collection. Please note that, according to the FDCPA, all collection activity must cease until the debt has been properly validated. I expect your response within 30 days of receipt of this letter. Failure to validate the debt may result in me reporting this incident to the Consumer Financial Protection Bureau ( CFPB ) and considering any further legal actions to protect my rights. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

XXXX XXXX. 
VELOCITY INVESTMENT Formal Dispute of Charge-Off Account Reporting Associated with Account Number [ Account Number ] Dear [ Credit Reporting Agency/Creditor Name ] , I am writing to formally dispute the reporting of the charge-off account associated with [ Account Number ] on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. 
Additionally, under [ Your State ] law, I am requesting proper validation of this debt. 
To properly validate this account, I am requesting the following : XXXX. Authenticated Double-Entry Accounting Records : I am requesting full double-entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt.

2. Authenticated Evidence Based on [ Your State ] Law : In addition to the accounting records, I require authenticated evidence, in compliance with [ Your State ] debt collection laws, that you have the legal right to report and collect this debt. This includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to credit bureaus.

Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection laws.

3. 1099-C Form : If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report.

In the absence of the requested documentation and verifiable evidence, I request that you immediately delete this account from my credit report in compliance with the FCRA and [ Your State ] state law. Failure to do so will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud.

The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. 
Please respond within 30 days of receipt of this letter. I look forward to receiving the required
Consumer complaint received 2024-10-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

I checked my credit report and noticed that there was a closed collection from XX/XX/scrub>XXXX XXXX that I did not recognize. 

The collection is from Transworld System Inc. for a company called XXXX XXXX originating from the state of XXXX  for the amount of {$1200.00}. 

I have filed a dispute with XXXX and Transworld System Inc. marking this claim as fraudulent.

Transworld System Inc. has mailed me a report regarding the account. I have noticed on their report that it is not my name under this account and that the address that was billed is not an address that I have ever resided.
Consumer complaint received 2024-10-01
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (IL)

In XXXX of XXXX I requested a fraud investigation to be done by Direct Express because I noticed several fraudulent XXXX charges totaling {$1500.00} had been charged to the card over a period of a few months. As of recently Comerica has been sued in a class action accusing the bank Comerica and XXXX, the call-center operator for the program, of failing to properly handle fraud claims, reimburse customers, and oversee third-party vendors. The plaintiffs also alleged that the companies violated the Electronic Funds Transfer Act, which protects consumers when banks handle fraud claims. These actions were made in the period of time when Comerica was the distributor of the XXXX XXXX card. I previously submitted records of my XXXX of transactions to prove the excessive fraudulent charges were different from my legitimate ones showing the purchases didnt align with the fraudulent transaction 's. In XXXX of XXXX they denied my claim stating they couldnt differentiate the charges because I entered into an agreement with the merchant. They never reached out to XXXX for any information to assist in the investigation, and XXXX wouldnt disclose any information about the fraudulent chat because of confidentiality since they hadnt come from My own account. I lost out on over {$1500.00}, the card company wouldnt send any information regarding their so called investigation, their ceo wouldnt help, no one would. This company has decided to settle within the class action which shows theres a high probability of customers claims being incorrectly denied and rights being violated. I am asking Comerica to do the right thing and settle my claim of {$1500.00}.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is reporting my debt to the bureaus incorrectly My balance on my account is {$16000.00} They are reporting {$190000.00} Ive called and they can validate the amount but wont correct the issue Violation of code 1681B s2 My auto contract states that I was insured with XXXX I never had XXXX. Insurance information on contract incomplete & incorrect I was insured by XXXX XXXX XXXX the day I left the car lot A lot of inaccuracies