davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received an offer by mail from Citizens Bank to get a {$600.00} bonus by opening a savings and checking account ( {$300.00} XXXX. acct. ). I opened the accounts on XX/XX/year> and was told bonus would be credited by XX/XX/year>. I got the {$300.00} bonus for the checking acct. but not for the savings acct. I called on XX/XX/year> to customer service and was told I didn't comply with the bonus for the savings acct. I then spoke with a supervisor explaining based on the attached mailing that I did comply & had the bank officer sign the offer confirming I complied. The supervisor said she would fill out a review request about my concern and would receive a reply shortly. I received a call later on XX/XX/year> from the review person ( XXXX ) stating I was denied the bonus. I explained that the offer clearly states " When you open your first new personal savings account on the same date as the above new checking account and make at least one single deposit of {$500.00} OR ... ... ... ... ..... I said it clearly states OR, NOT AND and that I chose to make the single {$500.00} deposit on the same day I opened both accounts rather than the OR ... ... ... .. rules of multiple deposits. The review person could only repeat I didn't comply with the rules about multiple deposits and I stated it clearly states OR, not AND which is to me a simple concept and very straight forward but I was brushed off.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Entrata Inc. (VA)

To Whom it may concern ; On XX/XX/year>, my family and I were offered the opportunity to boost our credit ratio by joining a company called Rent Pluse whom have partnered with XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX where we live. Within minutes we sent an email indicating that we wanted to be excluded from the program and our rental office management company assured us that our information ( name, date of birth, social security number, email address and telephone number ) was not given out. 

Since requesting not to be a part of the Rent Plus program a lot of events have happened to us. Although we can not prove someone from Rent Plus used our information to open fraudulent credit cards ( XXXX XXXX XXXX- please review screen shot of email used ) the timing of events does in fact line up. Not only that we were assured by our management office that our personal information was not given out to this company and as you can see from the attachments we have become victims of this fraudulent practice. On or before XX/XX/year>, we received a flag on our account indicating that we had a balance due of {$8.00} on our rent. I immediately contacted the rental office only to be told that Rent Plus had charged our account after we had written documents that our information wasn't given to them. Not only that as you can see these charges are not showing up on our monthly statement. 

This amount may be nothing but if you're charging several people this amount and they are unaware of the charges this can completely add up. So with all due respect, I'm asking that you look into this situation. We have a lot of senior residents on this property who don't get emails or don't have a computer for all I know. We don't know how many times this has ever happened to us we just pay what they send us. 

Thank you,
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (CA)

See proff have faxed XXXX XXXX and XXXX and emailed to bank multiple times called today rep said MODIFICATION APPLICATION COMPLETE NO HOLD ON SALE! why??? was send since XXXX Know california residents have rights but was sent since XX/XX/year> see proof! ( will have XXXX  if needed )
Consumer complaint received 2024-08-01
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i ha ve 8 late payments but i did pay everything but my credit is not clear yet. would you please fix my credit score i want to be able to buy and pay in installments but i can't. tell me what i have to do to clean my credit and fix it and improving it. thanks
Consumer complaint received 2024-08-01
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: BARCLAYS BANK DELAWARE (CA)

15 U.S. Code S 1666b - Timing of payment Creditor can not treat a payment account under and open end consumer credit plan as late for any reason unless creditor has adopted reasonable procedures to ensure that each periodic statement includes information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no less than 21 days before the payment due date Creditor never sent the required notices or the required information. When I submitted complains about the duplicate accounts as well as the notices, they were unable to furnish proof that they sent the notices, however, the reporting agency did not remove the late payments from the account despite the fact that the payments are duplicates due to Covid and the creditor did not furnish the requested information.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (KY)

I did not receive any written notification about the debt. The collection company claims they sent notification in 2020 but I did not receive it and many mailings were not delivered correctly in 2020. No mail notifications after that were attempted. They called and I think it was a scam because I hadnt received anything in the mail.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (AL)

I am writing to formally request the immediate removal of a fraudulent account that has been incorrectly listed on my credit report. As a victim of identity theft due to the XXXX security breach, I have discovered that The Cbe Group has been reported on my credit file, although this account does not belong to me. 

Despite my previous request for full debt validation from your company, I have yet to receive any documentation or verification regarding this account. As a result, I am left with no choice but to take further action. 

I am preparing to bring this matter before a judge in my local jurisdiction, as this account should not be reported on my credit file under any circumstances. To support my claim, I have attached the following documents : A copy of the police report regarding the identity theft. 

Court paperwork demonstrating the ongoing legal process. 

Please remove the account in question from my credit report within two business days of receiving this letter. Failure to do so will compel me to proceed with filing a civil suit against your company for actual damages. This false information has adversely affected my ability to obtain credit and has caused significant harm. 

Your prompt attention to this matter is not only a legal obligation but also a necessary step to correct the inaccuracies on my credit file. 

Thank you for your immediate action and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (IL)

A credit fraud was brought to my attention and a case was opened with XXXX on XX/XX/year>. When reviewing my credit report with XXXX, XXXX, and XXXX, I noticed that XXXX had several different phone numbers, locations and credit cards opened in my name. I don't even have a XXXX in my town. I DO NOT own a XXXX card. I only have XXXX phone number and NONE of the phone numbers match mine. The accounts appear to be closed, but all cards have been USED. I contacted XXXX, and tried to contact XXXX to dispute the account information. Awaiting responses from them. I do not know where to begin with XXXX, due to the fact there are so many locations the different towns the cards are being opened in.
Consumer complaint received 2024-08-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC. (MA)

Trying to close 4 different CD accounts, they removed the ability to do this on the website. Using the app, I submitted routing/account numbers, double and triple verified as correct. 

CIT is refusing to do this and is holding my money hostage. I called and begged them to close the accounts and transfer the money. They claim my routing numbers are incorrect, this is 100 % false because I typed the account number correctly in the secure message, triple checked it is correct. 

They refuse to help over the phone. They refuse to help over secure message. I don't know what to do. 

Please help.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX attempted to withdraw {$100.00} from the ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX The ATM did not dispense any money, and I immediately called customer support. After 2 weeks, a claim was finally filed, and then promptly closed. I went to the branch directly on XX/XX/2024 and filed another claim. After investigation, once again, the claim was closed after an " investigation ''. I have an excellent credit history, and direct deposit biweekly. I find it egregious to simply be defrauded of {$100.00} due to a faulty ATM machine. I am not sure what kind of " investigation '' was done, but this is simply theft.
Consumer complaint received 2024-07-31
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (IL)

XXXX ( Comenity Bank ) continues to charge me finance charges on late charges. I have paid off this debt several times yet they continued to charge finance charges. At one point I owed approximately {$1.00} - yes XXXXXXXX XXXX and they then charged me {$41.00} on the {$1.00}. When I called they refused to correct the balance, accept my payment of {$1.00}, and continued to charge finance charges. The balance is now almost {$300.00}. I have lost track of how many times I have called them. I have filed disputes with the credit bureaus to which they reply this is accurate and sent several letters to the home office and address on the statement. This is not being resolved. Complaints have been filed with the XXXX also to no avail. If anything, their harassment has increased. I have 33 blocked numbers from them not to mention the unknown callers. They call up to 6 times per day, leaving threatening messages. Their representatives are rude, derogatory, and extremely unprofessional. At one point a representative stated good luck with that and laughed and hung up. This can not be the first or even 100th complaint you have received on this company. I deeply regret ever using XXXX and only did so because of XXXX. This is basically legalized loan sharking.
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC (NC)

On XX/XX/XXXX i attempted to purchase a vehicle on Carvana after selecting the vehicle it asked to connect to my bank it verified my account and that i had enough to cover the {$10000.00} down payment. 

Next they asked for proof of income i provided XXXX different bank accounts all in my name ( 6 month of statements was required ), check stubs, XXXX years of tax returns ( my last est filing was an extension I currently work XXXX XXXX jobs all with verifiable income with us based employers i shouldve easily met the income requirement My credit score when they ran the pre credit app was XXXX Within XXXX sec i was denied for no reason stating fraud I was immediately shocked it gave a dispute email so i used the email think the human review would help I reattached my most recent pay stubs and the corresponding bank they were deposited in showing how they were related ( the statements say employer name and direct deposit so it is not hard to follow no explanation needed ) I received an immediate no. And a reply they were deeming me fraudulent with no explanation. 

I also realized despite instantly denying the transaction they still took the funds out of my account in XXXX separate transactions XXXX and XXXX with no date of when i will get them back only that if its longer than XXXX weeks call my bank. 

The funds should not have been touched as they knew they were considered a vehicle purchase now i have no down payment the bank has no record of a refund other than a message that doesnt correspond to any actual bank transaction I have neither a car nor a down payment Carvana took lots of my data and never intended to sell me a vehicle it appears this has happened to multiple people. I suspect they may not have actually had the vehicle it was a XXXX XXXX  XXXX  with less than XXXX miles
Consumer complaint received 2024-08-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (CA)

I have disputed PHOENIX RECOVERY GROUP Account : # XXXX I have made multiple disputes and they have came back verified I have reach out to them and ask them to remove this account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-03-10
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. (TX)

In accordance with the Fair Credit Recording act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681 C. ( 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. 1681 s-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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Absolute Resolutions Corp. (GA)

On XX/XX/year>, Absolute Resolutions Investments , LLC filed a case against me in the XXXX XXXX XXXX XXXX, seeking to recover an alleged debt. However, the case was dismissed without prejudice on XX/XX/year>, because they could not prove I owed the debt. Despite the dismissal, Absolute Resolutions continued to report this invalid debt to the major credit bureaus, negatively impacting my credit report. 

On XX/XX/year>, I sent Absolute Resolutions a debt validation and cease communication letter under the Fair Debt Collection Practices Act ( FDCPA ), formally disputing the debt and requesting validation. I also requested that they stop reporting the debt to the credit bureaus until the matter was validated, as required by law. However, Absolute Resolutions has failed to respond to my validation request, and the negative item remains on my credit reports. 

This inaccurate reporting has caused significant harm to my credit score and my ability to obtain credit for both personal and business purposes. I have been denied credit, and the negative mark continues to harm my financial reputation. I am requesting that Absolute Resolutions :
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BARCLAYS BANK DELAWARE XXXX.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other information being reported on my credit report by XXXX, XXXX, and Transunion is incorrect and is a result of identity theft, and shall be corrected immediately. 

I recently disputed some incorrect items on my credit report with all 3 bureaus, and they all claim the disputed accounts were verified as accurate. In my dispute i asked them for a debt validation, and proof of investigation, but the requested items were not sent to me. I am seeking compensation for damages for none compliance. under 15 USC1681n ( a ) ( 1 ) ( A ) which allows consumers to recover up to {$1000.00}. Their constant neglect to properly report my credit has been affecting me and my XXXX XXXX XXXX XXXX XXXX ability to get a car note, credit cards, and apartments. I am wanting for them to be held accountable for their negligence and causing us pain and suffering. XXXX, XXXX and Transunion are tarnishing my name and my identity and it's not right. I am referring to these accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am using these laws below to challenge their claims against me, and again I am demanding to be provided documents such as debt validation, timing of payment, proof of investigation ect...

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1666b - Timing of payments
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA (NV)

XX/XX/2024 I am not able to register debt from available credit of profile name on web page. I need a XXXX XXXX dollar line of credit or of funds made available to savings account from available credit.
Consumer complaint received 2024-07-11
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. (TX)

I am deeply frustrated by the response from the credit reporting agencies regarding the investigation of these accounts, which they claim came back as verified. However, this assertion baffles me, as my credit report still contains multiple inaccuracies. 

As a conscientious consumer, I have the right to understand the thoroughness of the verification process conducted by your agency, as stipulated under 15 U.S.C 1681i ( 7 ) Method of Verification. I demand a detailed account of every step taken to ensure the 100 % accuracy of these disputed items.

It is unacceptable that despite these purported investigations, my credit report continues to reflect discrepancies. I urge your agency to rectify these errors promptly and provide me with the comprehensive documentation I am entitled to under the law.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXXXXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX XXXX XXXX : {$930.00}
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AL)

On XX/XX/year>, I opened a new account with your bank to take advantage of a promotional bonus offer, which promised a {$300.00} bonus if I received two direct deposits of at least {$500.00} each. 
On XX/XX/year>, I received a direct deposit from my employer. 
On XX/XX/year>, I attempted to use my debit card to purchase money orders for my rent payment. The transaction was not authorized. 

I immediately called the bank and spoke with a representative. They asked me to verify if I had tried to add my debit card to XXXX XXXX, which I had, but entered the CVV code incorrectly multiple times. I admitted to this mistake. The representative then inquired about the amount I was attempting to use for the money orders. After providing this information, they informed me that my account was under review and would be unblocked within 24 hours. During this time, I was unable to access my funds. 

Understanding the urgency of my situation, I expressed my need to access the funds immediately to pay my rent, emphasizing the risk of eviction. The representative appeared indifferent to my predicament. 
The following day, I called the bank multiple times to check the status of my account. It remained blocked. 
During subsequent calls, I was informed that an outbound call would be necessary to verify my identity. Despite my phone being fully functional and capable of receiving all calls, including spam, no such call was ever made. This appears to be a common issue based on similar complaints I have found online. 
Ultimately, I was told that a letter would be sent to me within five days containing a reference number. This process is unacceptable, leaving me without access to my funds, unable to pay bills, or provide for my family. 
The withholding of my funds has put my livelihood in jeopardy. I urgently need my account unblocked to retrieve my funds and close my account. I am highly dissatisfied with the handling of this situation and the lack of urgency and empathy shown by their representatives. 

I request immediate resolution of this issue. Should this matter not be resolved promptly, I will proceed with filing a complaint with the appropriate regulatory bodies and will share my experience publicly to warn others.