davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

I received and activated a new Citi Bank credit on XXXX/XXXX/2019. Next day I used for four charges for a total of {$140.00}. Then I made another larger charge with another merchant and the card was rejected and blocked. I called customer service to inquire and they confirmed that I could not use the card pending some verifications needed. After providing the information they had requested, and for reasons unexplained to me they could not get the verification they wanted. Then I requested the cancelation of the card through their online customer service chat. I was informed that they could not cancel the account until the block was removed. The removal of the block is beyond my control, and now that I want to account close I do not care about the block. However, the company will not close the account, as requested, because " the block need to be removed first. '' I am sending the balance payment check by mail, but I need your help in having Citibank to close my account.
Consumer complaint received 2019-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2019-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I went into a Citi Bank Branch to retrieve funds on XX/XX/2019 from my account at a bank teller. I asked that all the funds in my account be given to me after providing my credentials, like my State ID and Social Security Card. The teller proceeded to ask me why I wanted to empty my account, and I explained that my account was constantly being blocked for senseless reasons. My Citi Bank account was blocked literally 72 hours before I went into the branch, which was on XX/XX/2019 to clear up a fraud block that I tried to clear up over the phone, but was lied to multiple times by representatives. When I went into the branch the personal banker was surprised that my account had been blocked for just a XXXX transaction. However, he called customer service and was able to clear it up and open a new account for me. The supervisor he spoke to said someone was calling in pretending to be me ( I had no idea about that ). Fast forward, I try to use XXXX with my newly opened account and I was BLOCED AGAIN. My online access and temporary Citi Bank card were blocked. When I called customer service, they adamantly stated my account was absolutely fine, but I STILL WASN'T ABLE TO USE MY CARD OR LOG IN ONLINE. So, I decided enough was enough and I went into a branch on XX/XX/2019 to take all my funds out of my account because I was tired of this sick GAME Citi was playing. I asked that the {$1900.00} be given to me at the teller. After the funds were given to me, I left the branch under the impression that ALL of my funds were in that envelope as I'd requested. But when I got home I noticed that I was missing {$300.00}. The envelope was sealed and never left my possession, meaning the teller had miscounted my money. I called Citi Bank Customer Service and filed a dispute about it. The representative said she would open up an investigation and someone would reach out to me in 24 hours, which has yet to happen. I am very displeased with the the HORRIBLE " Customer Service '' I've experienced thus far with this financial Institution.
Consumer complaint received 2019-11-16
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. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature or proof proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my three credit reporting agencies without providing validation of debt and the credit reporting agencies are reporting this inaccurate information to future creditors. this is causing injury to my person as i am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2019-11-16
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. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2019-11-16
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. (GA)

I contracted the debtor on the XXXX on XXXX requesting my signature proving this was my debt and or that i had paid the account late. The companies are reporting information to my 3 credit reporting agencies without any validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-03-17
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: EQUIFAX, INC. (FL)

I Have XXXX XXXX loan. I forgot to pay my monthly payment on XXXX XXXX XXXX.I got call from XXXX XXXX on date XX/XX/XXXX about my monthly bill. I told them ok i will confirm in my bank bill pay schedule and if not i will pay today. I paid same day from my bill pay {$1500.00} for two months [ XXXX and XX/XX/XXXX ] but My Bank XXXX hold that money because they thought that this is not my regular payment so they hold it without my permission. I got call again from XXXX XXXX on XX/XX/XXXX about my bill pay I told them that i paid already on XX/XX/XXXX so you receive check on XXXX XXXX.So i called my bank on XX/XX/XXXX, that did they sent payment to XXXX XXXX and that time they told me that they hold it and send check to them instead of send them electronically. because of all holiday XXXX XXXX and XXXX XXXX  XXXX XXXX received check on XX/XX/XXXX. I again called XXXX Bank on XX/XX/XXXX to confirm about my payment and they suggest that still XXXX XXXX didnt deposite check in yr account so they suggest me to cancel check amount of {$1500.00} and pay again two separate payment of {$750.00} and {$750.00} on XXXX. XXXX XXXX received two deposite money on XX/XX/XXXX.I attach here my Bank Paybill Schedule and XXXX XXXX XXXX History for yr kind information. You can see that they deposite my {$1500.00} Check on XXXX XX/XX/XXXX and refund on same day because i cancel that Check from my bank.
Consumer complaint received 2019-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

I have reached out to CMRE via a phone and mail to dispute an account they are claiming is in outstanding. I was instructed to send an dispute letter to their dispute department on XX/XX/2019. Having send the requested info CMRE has failed to validate the debt as per the FDCPA, they are holding my credit XXXX their account appears on my credit report every 6 months after I dispute with credit bureau and have it removed it comes back and their argument is we have the correct info. I have a copy of the certify letter I send it over to them and I have yet to hear from them let a lone validating the debt.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I have a Mastercard with USAA. USAA failed to send me any notice whatsoever that my payment was past due and immediately turned it in to all XXXX credit bureaus damaging my credit and by doing so violated the FDCPA. USAA refuses to remove the reports it illegally made to my credit reports.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (PA)

This is a debt with XXXX, which was sent to a collection agency ( Convergent ) I called in XXXX to verify the amount owed. I was first hung up on which was a Saturday. I called back the following Monday and spoke to a rep named XXXX XXXX. I was given the amount owed of XXXX ... I advised I did not have XXXX she then gave me a settlement offer of {$10.00} ... I made a payment of {$50.00} XXXX XXXX, and {$650.00} XXXX..when I called in to pay the balance of XXXX on XXXX, she then adv 'd me that XXXX sent in more charges of the phone itself that not had been fully paid ... the balance then came to {$1300.00}, which again made a settlement offer on that of {$1100.00} ... therefore now XXXX seperate settlements on the same account. I paid {$100.00} on XXXX XXXX, 2016, {$100.00} on XXXX XXXX, and {$100.00} on XXXX XXXX, 2016 which leaves me a balance of {$840.00}. I called today XXXX/XXXX/16 to verify my payments. The rep then told me there are more added charges from XXXX, when I had infact called XXXX, and the XXXX was the last of the charges. The charges that were added when I called on XXXX, she is trying to put back on by balance. 
This company is a lie. I am so upset. It seems like everytime I call, they add more charges
Consumer complaint received 2015-07-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United Group Inc. (WA)

I was in an accident. I had a loan on the vehicle. The finance company had an insurance policy on my vehicle so the car went to the finance company after the accident for the insurance company to pay off the claim. Instead of handling the situation properly the finance company put the car on my credit as a repossession. The car was n't repossed at all. United Finance Company XXXX WA
Consumer complaint received 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (MN)

On XXXX XXXX, 2017 I received a call at XXXX PM from XXXX XXXX, from Convergent Outsourcing XXXX XXXX on behalf of XXXX. She asked me to verify my name and address, which I refused to do, and the caller ended the call. I have since been waiting to receive the letter that is required to be sent after contact in an attempt to collect a debt. No such letter has come to my home. Today I received an alert from my XXXX XXXX that a new account is reporting as a collection from Convergent. 

Convergent has deprived me of my chance to dispute this debt or request validation, by not sending me the required letter within 5 days of contacting me regarding this debt.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

I am having a problem with Synchrony Bank regarding a JCP Credit Card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Synchrony Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter. Synchrony admits that they can not provide the contract as evidence n their response from another complaint I filed with the CFPB that I have attached. Synchrony Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. 
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
Synchrony Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. I have also attached a copy of my credit report from XXXX XXXX, 2016 and XXXX XXXX, 2016 showing that their account is not marked disputed. 
Synchrony bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.
Consumer complaint received 2016-12-28
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL (PA)

Lowe 's ( Synchrony is the what comes up on the caller ID ) has called at least daily since we were just 4 days late with our payment. They call during the day but also between XXXX at night! We have a young family and this is incredibly disruptive. We are aware we are late with this payment and I told them we would pay as soon as my paycheck is in, which is this week, but they have not stopped. We have now had the phone off the hook for the past few days because it 's gotten so bad!
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (MI)

On Friday XXXX XXXX I contacted Synchrony Bank, the issuer of my Walmart Mastercard, to inquire as to the status of a check I had sent over a week earlier as payment which still had not posted. The agent, XXXX, gave me a run around, first telling me the check never arrived, so when I stated I will have to do a stop payment, he told me no, the check has arrived but has not been processed. I then asked to speak to a supervisor, he refused. I had to ask XXXX times in total before the agent would transfer me. While on hold for a supervisor, I received an email security alert from Walmart that someone had just used my account number and social to acquire my online user ID ( email address ). When I finally reached a " supervisor '' she stated that he did that to verify my information, problem is the page to do this explicitly states only the card holder may fill this form out. I believe the agent XXXX is attempting to steal my identity or use my email address in nefarious ways and want this issue addressed.
Consumer complaint received 2015-05-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

On Friday, XXXX XXXX, 2015, I had a balance of XXXX in my checking account with TD Bank. During the course of the weekend, there were XXXX withdrawals made by me for {$20.00} each ( total of {$60.00} ) which were deducted immediately from my balance, leaving a balance of {$84.00}. On XXXX, XXXX XXXX, 2015, a check from my insurance company was presented for payment to TD Bank in the amount of {$660.00}. This was submitted earlier than it should have been. Upon checking my account online on Monday morning, I discovered that TD Bank had charged me not only the {$35.00} overdraft fee ( which I was willing to take responsibility for ), but XXXX additional {$35.00} charges for the XXXX withdrawals made over the weekend, a total of {$100.00}. 
I contacted the manager at TD Bank. She explained to me that even though the withdrawals were made over the weekend AND they were immediately deducted from my balance AND they were made before the insurance check was submitted for payment, the insurance check is processed XXXX because they go from largest to smallest. As a result, the debits were deemed insufficient funds and I was charged the {$100.00}. I advised her I was more than willing to take responsibility for the overdraft on the insurance check, but to charge me the additional {$100.00} was completely ridiculous. She refused to refund those fees. As a result, my account was now seriously overdrawn and continued to remain overdrawn. They continued to process things through my account, XXXX and XXXX times, continuously charging a fee every time. 
I am a XXXX XXXX mother, supporting my household on my own. I did not have the additional {$100.00} to deposit into my account. I explained this to the manager who could have cared less. To me {$100.00} is a lot to come up with. I subsequently did not use the account after that time. 
From the beginning of the initial overdraft, TD Bank has charged me {$260.00} in overdraft charges. I am now receiving letters threatening a collection action if I do n't pay the negative balance of - {$360.00}. I have had this type of problem before with TD Bank and it was resolved in my favor. I have not been a customer of TD Bank for a few years and recently went back because my pay check is drawn on that bank and I was being charged {$7.00} every time I wanted to cash my check.
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

As per the included statements I emptied and closed my account ( # XXXX ) with TD Bank on the XXXX of XXXX 2016 in response to their inability to provide competent service. 
At that time I demanded that the account be closed immediately and was assured by the branch manager on site and the attending teller that this was the case. 
Post closing of the account I am being advised by TD Bank that there are charges against this account pertaining to the US-XXXX exchange differential. This check was deposited on XXXX XXXX 2016 in the amount of XXXX. 
This deposit was made, as I have always understood to be done, with and exchange rate differentials being applied at the time of deposit otherwise the transient exchange rate would not be applicable do to the variance over the deposit process interval. 
I believe this to be a clear demonstration of the gross incompetence of the this branch and possibly TD Bank in general. 
I spoke at length with the TD Bank Overdraft Collections Department ( XXXX ) who advised me that the problem originates with the TD Bank branch I dealt with and that resolution attempts must be directed to this branch. I withdrew all funds and closed my TD Bank account because of the incompetency of the people in that branch and the failure of their administration to recognize the problem. As such I see no reason to believe the people at this branch are any more competent now than they were XXXX/2016 when I closed the account and contacting them would be futile. 
For what it is worth the exchange rate on the day of deposit was approximately XXXX US/XXXX. . This is not accurately represented by the {$2400.00} depicted in the statement again providing an indication of the incompetency of this institution. 
It is and always has been my understanding that when an account is closed it is no longer subject to any further transactions. 
I seek your assistance in this matter and will refrain from any contact with TD BANK until I hear from you. 

Thank You, XXXX XXXX
Consumer complaint received 2015-06-27
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Neon Newco Corporation (TN)

I have been with WU for about XXXX years. Recently they changed their debit card to Netspend and started charging approximately {$2.00} per transaction. I called and spoke with them and they told me in order to stop paying the fees for every transaction I need to pay a monthly fee instead. 

The old western union card which I had up until a year they never charge a fee for a transaction except for adding adding money to the card which was the attraction of using the card. 

Now no matter what amount they hit me with a XXXX fee. so if i spend XXXX I have to pay XXXX. They get to collect interest off my money. 
i have a XXXX prepaid debit and they only charge a fee when making the deposit onto the card. 
see attached ( XXXX ) which is my account ledger.