davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a deeply concerning matter regarding my recent experience as a new customer with Citibank. I opened a Citibank account online in XX/XX/2023, attracted by a {$1.00} Cash Bonus promotion for new account holders with {$75.00} of deposit. Unfortunately, my experience has been far from satisfactory, and I am turning to you for assistance in finding a resolution and fair compensation for the issues I've encountered. 

As per the terms of the promotion, I diligently followed the provided links and deposited {$75000.00} into my Citibank account. I ensured that these funds remained untouched for the required qualifying period, with the expectation of receiving the Cash Bonus as promised on XX/XX/XXXX. 

To my great disappointment, I have not received the promised Cash Bonus as of today. Despite my multiple attempts to resolve this issue through Citibank 's customer service channels, including chat and phone support, I was met with frustration. Citibank representatives informed me that there is no record of the promotion being linked to my account, which is perplexing given that I meticulously followed all the necessary steps during the online account setup process to qualify for the promotion. 

I kindly request that the CFPB investigate this matter on my behalf, recognizing the documented steps I took to participate in the Cash Bonus promotion and ensuring that I receive the Cash Bonus as originally promised. Additionally, I believe that fair compensation for the inconvenience, financial loss, and time spent trying to resolve this situation is warranted. 

I trust in the CFPB 's commitment to consumer protection and ask for your assistance in addressing this matter appropriately. I will cooperate fully and provide any necessary documentation to help resolve this issue promptly. 

Thank you for your attention to my concerns. 

Sincerely,
Consumer complaint received 2015-11-18
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Martin & Seibert, L.C. (WV)

I was sued in XXXX court for a debt XXXX XX/XX/XXXX. The original debt was from XX/XX/XXXX. I appeared, the judge ruled against me, and they attempted to garnish my wages. I have filed an exemption which has prohibited them from successfully garnishing these wages every year every pay period since. They have renewed this debt yearly, in court, without my knowledge or notification of each new hearing. So I have never been present since the initial XX/XX/XXXX hearing. The debt now exceeds XXXX! They have frozen my joint account, and again I was not notified of this intent. I have learned there is a 10 year SOL in West Virginia on collection of a debt like this which would have expired XX/XX/XXXX. 2 years ago! How can the court have judged against me? How can Martin & Seibert in XXXX WV continue these shady collection practices, and through the court???
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC ()

Leased a vehicle, XXXX XXXX XXXX VIN # XXXX, on XX/XX/XXXX through Mini Financial Services, XXXX XXXX XXXX XXXX, Arizona XXXX. Same was registered in the state of Florida to my name, XXXX XXXX, under license plate # XXXX and insured through XXXX. No payments were missed and lease was paid until the lease term ended. After returning home from an 8 month trip p on XX/XX/XXXX, I noticed that my vehicle was missing and the valet of my building did not have the key or knowledge as to what happened to my lease vehicle. On XX/XX/XXXX, to report the apparent theft ; however, XXXX XXXX XXXX ( Report # XXXX ), indicated that they could not provide me with a theft report as the vehicle was registered to another person. I immediately contacted the leasing company who denied ever repossessing the vehicle and instead demanded {$20000.00} for the residual value of the vehicle. I then hired a private investigator who revealed that the vehicle was in fact registered under another name in the state of Florida. As per this investigator 's findings and documentation, on XX/XX/XXXX, the vehicle was sold by XXXX XXXX, XXXX XXXX. # XXXX, to XXXX XXXX for {$320000.00}. XXXX XXXX provided my investigator with a copy of the purchase agreement, a motor vehicle title reassignment supplement document, and a copy of an application for a certificate of title with/without registration. Up until this moment, Mini Financial Services continue to demand payments, denies ever repossessing the vehicle, and refuses to follow up with their recovery department regarding the sale of the vehicle by XXXX XXXX even though the vehicle was sold while still having a lien by Mini Financial Services.
Consumer complaint received 2016-12-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Servicing Group (VA)

Paid collection agency, Capital Servicing Group LLC, who claimed debt was sold to them. Prior collection agency, XXXX, claims they still currently hold debt and debt was not sold. I paid Capital Servicing Group after being hounded by a representative for months and unsuccessfully attempting to have my insurance pay the bill. Ability Recovery says I still owe the debt. I have the transaction in my bank account for where I paid Capital Servicing Group. I do n't know what else to do-I can not pay another {$350.00} and I believe there is a chance Capital Servicing stole my information to collect debt I did not owe them.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (NY)

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 2023-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

To whom it may concern, original creditor XXXX XXXX XXXX XXXX Unlicensed debt collector PORTFOLIO RECOV ASSOC I am writing to file a complaint against Portfolio Recov Assoc. This company is not licensed to collect debt in New York State, and they have been contacting me repeatedly about a debt that I do not owe. I have asked them to stop contacting me, but they have continued to do so. 

I am enclosing a copy of the letter from the New York State Department of Financial Services that confirms that Portfolio Recov Assoc is not licensed to collect debt in New York State. I am also enclosing a copy of my letter to Portfolio Recov Assoc asking them to stop contacting me. 

I believe that Portfolio Recov Assoc is violating the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices. Some of the specific violations that Portfolio Recov Assoc may be committing include : Contacting me about a debt that I do not owe Continuing to contact me after I have asked them to stop Failing to provide me with the required information about the debt Harassing or threatening me I would like the CFPB to investigate this matter and take appropriate action against Portfolio Recov Assoc. I believe that their actions are unfair and deceptive, and they are violating the law. 

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (GA)

I had gotten a credit card from Home Depot back in 2019. I have been paying all the monthly charges on time and a lot more than minimum. I paid all notices about pay this amount to avoid interest charges. I never missed a payment and I've paid off about XXXX to XXXX thousands over the last couple years and never saw where it said I had to pay off a very large amount of interest. A month ago when I was making my payment I noticed it says I need to pay XXXX plus to avoid interest. I'm thinking my balance is only XXXX plus dollars. The next month my statement says I now owe them XXXX plus dollars. A XXXX plus interest charge all at once. I called and all I heard was it must be promotional charges and said they could send me some statements, statement that never showed where or how they could justify charging this amount. Help, this is not right!
Consumer complaint received 2023-08-09
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. (FL)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-08-09
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. (GA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION (CA)

We are attempting to refinance our mortgage loan with XXXX XXXX XXXX XXXX. The credit union is not able to make contact with Fist Mortgage for pay off information. I have attempted to make make contact with First Mortgage by phone and e-mail and have not been successful. When attempting to make contact by phone, mail box is full. I sent them an e-mail and have not received a response. I also attempted to login into my account with First Mortgage on the internet and was not successful. After doing a XXXX search I was able to obtain information that their mortgage loans have been sold to XXXX XXXX and to XXXX. I contacted both of these financial institutions by phone and was advised that they do not have our loan. XXXX XXXX did indicate that First Mortgage did not sell all of their mortgage loans. We have received no written notification that our loan was sold and to who it was sold to.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I recently sent a dispute letter to XXXX XXXX and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

Experian Information Solutions , Inc. 
Attn : Privacy and Identity Protection Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian Information Solutions , Inc. XXXX SUBJECT : NOTICE OF BILLING ERRORDISPUTE, DISCREPANCIES IN PAYEE IDENTIFICATION, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES I am forwarding the attached document to your company for your immediate attention and action. This serves as my final demand and notice regarding the reinsertion or refusal to correct inaccurate information, even when presented with evidence of error from consumer credit reporting agencies. It is important to understand that such actions may be considered a violation of 611 ( a ) ( 1 ) and ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ). These violations can result in statutory damages of {$2500.00} per proven violation. Therefore, the refusal to update my credit reports, without a legitimate reason, to reflect accurate information regarding unsecured accounts or alleged debts associated with the unknown creditor or furnisher may be viewed as a violation of the FCRA. 

I kindly request that you promptly remove any incorrect items from my credit report and provide me with an updated credit report. Additionally, I expect you to update my consumer files, with the appropriate notation of Account disputed, with the consumer reporting agencies, as outlined in section 611 [ 15 U.S.C. 1681s-2 ] of the FCRA. The unresolved matter has caused me ongoing stress, XXXX, emotional and mental anguish, invasion of my privacy, embarrassment, and significant financial harm. I request that you inform me of the outcome of your investigation. 

Respectfully submitted, I am XXXX XXXX XXXXXXXX XXXX XXXX XXXX All Rights Reserved without Prejudice
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I opened this card ( Comenity-Victoria 's Secret ) in XXXX of XXXX. I have been on time with all my mailed payments each month. All of the sudden this year they claim I have been late even though I've been mailing them at least 5 days before due date like I always do. They have charged me {$99.00} in late fees this year. XX/XX/XXXX = {$29.00}, XX/XX/XXXX = {$35.00}, and XX/XX/XXXX = {$35.00}. I don't think i should have to pay these since its not my fault I mailed them on time. I should'nt have to guess how long it will take for them to process it.
Consumer complaint received 2018-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

I have money missing from my checking account between XX/XX/XXXX thru XX/XX/XXXX. They are money transfers that I did not make. As a matter of fact, I have never made a money transfer.

The dates and amounts are as follows : XX/XX/XXXX {$300.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$6000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$24000.00} XX/XX/XXXX{$2000.00} XX/XX/XXXX {$1600.00}
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (TX)

I had a prepaid card that had about {$100.00} left on it. On XX/XX/2023 someone was able to steal my card number, log in to the account, and change all of the personal information. They then made a purchase of about {$100.00}, clearing out the card. I called immediately after discovering this on the same day, XX/XX/2023. I was instructed to fax a copy of my ID, front and back of the prepaid card, and other personal information in order to get the card back under my name and that I couldn't dispute the fraudulent charge until the card was back under my name. I was told that it was take 3 business days to process the faxed information and to call back once 3 business days had passed. On XX/XX/2023 I called back and was informed that there was an issue with the faxed documents and to refax them. The issue they told me was that the faxed images came in 'mirror imaged. ' On XX/XX/2023 I spoke with a supervisor who said he could see the images, that they were NOT mirror imaged, and made a claim ticket to have the documents rechecked. That supervisor gave me a ticket number and told me to call back periodically to check in on the claim. I called back on XX/XX/2023 to check in, I was hung up on by the first supervisor. The second supervisor straight up lied about the issue. First she said that the problem with the faxed documents were in black and white. It's a fax, it can ONLY be in black and white, I'm not sure why she tried to claim that. Then she tried to say the images were too 'cartoonish '. I have no idea what she even means by that. It's simply a black and white copy of everything I was asked to fax. Then, after asking to speak with literally anyone above her, she refused. She said her bosses do not talk to people on the phone. I was refused any kind of email or phone number to anyone I could talk to. I was only offered a XXXX XXXX XXXX. This whole thing is incredibly frustrating. I've been lied to, hung up on, and given the run around.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC (TX)

I am a student enrolled in the University of XXXX. Earlier this year, the school was supposed to refund me through a third-party bank company called Bank Mobile . On XX/XX/XXXX, {$11000.00} was sent into the bank checking account without my knowledge because my refunds were supposed to be set to direct deposit, but I had gone to my school about the refund and they had said it was sent to Bank Mobile. However, when I had tried logging into the account for the first time around XXXX, I was unable to. When I had checked what email was associated with my XXXX  ID, it was an unfamiliar email. I had contacted the support team, asking to be let into the account and that the email associated with that account was not mine, and they had told me to send in documentation proof showcasing my identity, but after all the documents were sent, they had kept putting me on hold or telling me they would call back or I had to wait longer. Many weeks passed before they finally wanted to start an investigated, but even until now, nothing has been resolved. Even after so many documents were sent and that they had said they would resolve the matter. I was finally let into the account on XX/XX/XXXX and I could see the bank statement and every withdrawal that was made after the refund was put into the account, but as of currently the account is put on hold for a compromised account and it has been almost a month with no resolution or unlocking my account. I was also able to see multiple deposits and withdrawals dating before the university refund that was not made by me. After XX/XX/XXXX when the refund was sent through, {$2000.00} was taken out as a transfer to another account on XX/XX/XXXX. On XX/XX/XXXX, {$2000.00} was taken out again as a transfer to another account. {$2500.00} was also spent on XXXX XXXX, {$4300.00} on XXXX, {$670.00} on XXXX, all on the same day. Then finally on XX/XX/XXXX, the last {$120.00} was transferred to another account. I was finally let into the account on XX/XX/XXXX and was able to see the withdrawals. I was also able to see that the person who was in the account changed the refund preference from direct deposit into my personal bank account, to deposit to Bank Mobile. I've reported the claims for everything and there's been an ongoing investigation for about 4 months now with nothing resolved. I have sent written statements about the claims because that was something that they made me do, however when I called and asked if they received them, they told me they weren't allowed to disclose a lot of information as my account is under investigation so information is limited even though I have already sent previous documents of my identification and they have already put my account on lock.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ONLINE Information Services, Inc. (OH)

I sent out a debt validation letter exercising my rights as a consumer under the FCRA ( Fair Credit Reporting Act Section 809 ) and " XXXX XXXXXXXX, XXXX '' has NOT complied with Federal law and regulations. " ONLINE INFORMATION SERVICE '' failed to respond to my debt validation letter section 809. This is now a federal violation of the Fair Debt Collection Practices Act which I intend to sue for Defamation, wiling financial injury, and FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. 

I've attached proof that I sent " ONLINE INFORMATION SERVICE '' a Debt Validation Letter and that they've received my letter at approximately on XX/XX/XXXX at XXXX XXXX. The Fair Debt Collection Practices Act requires companies to respond within 30 days after receiving a dispute. I intend to sue for the maximum amount which is {$20000.00}. 

I am now located in Texas, and this is the maximum amount that a person can sue for in small claims court. I've been denied housing and jobs because of this collection account so I intend to sue if this account is not removed immediately from my 3 major credit reports. I have all the proper documents to win in small claims court without a reasonable doubt should this account not be removed immediately.