davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (OH)

Citibank informed me that they were closing my accounts a while ago, but they are still open and only blocked. My Citibank checking account had a balance, and I have yet to receive the check for that balance. I simply want my Citibank accounts unblocked so I can use them. I really love Citibank, and I would greatly appreciate the opportunity to continue as a customer, especially since I just opened these accounts a few months ago and they were immediately blocked.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (OK)

I made a purchase using Afterpay with XXXX through the afterpay app. My delivery was supposed to be scheduled within XXXX hours of placing the order. When I went into the app to check on my order, it did not go through, but Afterpay still charged me a down payment. I then ( admittedly stupid ) another order using a diffrent preloaded card via Afterpay. I was charged again before the order went through. I went to pay and the card was declined. I've submitted disputes with them, tried to explain what happened ( via email, apparently there is no phone number to call ) and it was closed with them saying I need XXXX to send me an email with the last XXXX of the card numbers used, and have XXXX say the transaction did not go through. The problem is XXXX has no order, they can't send me an email because no order went through.
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (GA)

Notice of Dispute and Cease Communication Request Pursuant to 15 U.S.C. 1692** I am writing to formally notify you that I dispute the debt referenced in your communication to me dated XX/XX/XXXX, XXXXCommunication, which you claim I owe to XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that you provide validation of this debt in writing.

Furthermore, in accordance with 15 U.S.C. 1692c ( c ), I am requesting that you cease all communication with me regarding this matter, except to provide written confirmation of the debts validation or to notify me of specific legal action, should you choose to take any. 
Please be advised that any further contact outside of these exceptions will be considered a violation of the FDCPA and I will pursue all available legal remedies. 
Thank you for your prompt attention to this matter. I expect your written response and validation of the debt within the required time frame. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (LA)

First off, this debt is being reported as more than XXXX collection account on all three major credit bureaus. XXXX alone has this account listed XXXX times. The same account. Same account number. Same balance. I would like this account removed and deleted off of my credit reports. All of them. Permanently. I will file a lawsuit due to illegal reporting
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (HI)

I own a Charles Schwab Brokerage and Checking account. I could not log into my Schwab account as of XX/XX/year>. I got in contact with a representative and they said they could not disclose any information, but my account is in the midst of being closed or might be under review. The representative told me, " we are exiting you and holding your funds. '' I do not know any reason why my account is under review, why Schwab is closing both my brokerage and checking accounts, and why they are holding my funds because they said they could not disclose any information. The representative I talked to on the phone was extremely rude and ended up cutting the line on me, which placed me in detriment amount of stress as I have to call back as they have full control of my funds and refuse to tell me a reason, or why they are holding my funds, which they do not have the right to do so in this circumstance.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (TX)

**Subject : ** Inaccurate Information on Credit Report and Lack of Updates from Credit Karma **To Whom It May Concern : ** I am writing to file a formal complaint against Credit Karma regarding the inaccurate information being reported on my consumer report and their failure to update it with the latest information from XXXX. 

I have noticed discrepancies in the information presented on my Credit Karma report compared to the official reports from XXXX. Specifically, my Credit Karma report shows collections thats been removed years now, incorrect payment history, and other inaccuracies that do not reflect my current credit situation. This account hasnt been updated since XX/XX/year>. I have contacted Credit Karma multiple times to address these issues and requested that they update their report to match the latest data provided by XXXX. Despite my efforts, these inaccuracies persist, and no updates have been made. 

The outdated and incorrect information on my Credit Karma report has negatively impacted my ability to obtain credit and has caused unnecessary stress and inconvenience. As a consumer, I rely on these reports to manage my financial health, and it is unacceptable that Credit Karma is not providing accurate and up-to-date information. 

I am requesting that the CFPB take immediate action to ensure that Credit Karma updates my report with the correct information from XXXX and that they adhere to their obligations to provide accurate consumer reports. 

Thank you for your attention to matter
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (VA)

Dear American Express, I am writing to dispute a charge on my credit card account due to returned products for which I have not received the refund. The details of the disputed transaction are as follows : Transaction Date : XX/XX/year> Merchant Name : XXXX XXXX XXXX Transaction Amount : {$2900.00} I would like to submit the claim because the merchant has promised to provide credit on XX/XX/year> and I have attached copies of PROOF OF RETURN receipt to support my case. 
According to the Fair Credit Billing Act, I am requesting that you investigate this matter and correct the billing error. I expect that the disputed amount will be temporarily removed from my account while the investigation is ongoing.

Please confirm receipt of this letter and provide me with an update on the status of my dispute. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/XXXX I check my synchrony credit card account that I paid off so I can be ready for purchases for the XXXX  just to find out that they closed my account. I called the number provided for customer service and was told by a lady that my account was closed due to derogatory or delinquent accounts which isn't true, all my accounts are in good standing. They also said because of balances too high on accounts which also isn't true because I paid down all my accounts below 30 % utilization and my payment history is 100 %
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

I am writing to formally file a complaint against COMENITYCB regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my COMENITYCB credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting COMENITYCB directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my COMENITYCB credit report. Additionally, I seek written confirmation from COMENITYCB once these accounts have been corrected. I also ask the CFPB to investigate COMENITYCB handling of my dispute and its adherence to FCRA and CFPB rules.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ABSOLUTE CREDIT  LLC (PA)

Absolute Credit has violated the FDCA as stated in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) which states that my credit reports serves as a medium of communication and is thus subject to cease and desist requirements. 

In addition, the document that they provided was just a statement. Nothing stating that I have a relationship with Absolute, a binding contract, purchase agreement and/or first date of delinquency. This proves nothing and is not a form of validation of debt.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (NY)

A company called XXXX XXXX XXXX contacted me about a debt from 2014 from Comenity bank. Claiming this credit card from XXXX has been accruing interest and late charges for 10 years. I am unaware of such debt and also never recieved a single notification of the debt in the mail or email. I asked them to send me copies of statements or somehow proof of the debt and they will not provide me with such documentation. They keep requesting a debit card to make payments without providing proof of debt. They are now threatening to sue me since I refuse to sign an agreement.
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

In XX/XX/year>, I made XXXX XXXX payments to Citibank Home Depot to pay off my balance. No other charges were made, however, in a couple of months, I received a bill from Citibank in the amount {$100.00}. Citibank said XXXX of the payments did not go through in XXXX, even though I had confirmation from Citibank XXXX XXXX and my bank to prove the transactions occurred. After several telephone calls and no resolution, I forwarded my bank statement highlighting the payments made to Citibank Home Depot. I even sent the copies twice to XXXX different locations... still no resolution. It is now XX/XX/year> and Citibank Home Depot has sent bogus statements showing incorrect charges applied to my account. I disputed the charges again and Citibank closed out the account and issued a new credit card. I never received the new credit card but they issued a new account number. I advised Citibank that I never received the new card but they didn't care... they only wanted me to pay the {$100.00} they lost or applied to another consumer 's account. In XXXX, frustrated, upset and feeling as though Citibank was practicing deceptive credit card practices, I went to my bank and told them what was happening. XXXXXXXX XXXX  confirmed the amounts were not reversed and in a couple of days, they reversed the original {$100.00} payments that were paid in XXXX back to my checking account. When I realized they had reversed both {$100.00} payments, I immediately send it to Citibank Home Depot. Surely, this would prove both payments were made, however, Citibank did NOT correct my account instead they sent me another statement showing a new balance and no indication of the reversal transactions or the resubmission of payments. I am so frustrated with this big company 's unscrupulous credit card practices. Even though I have contacted the company on numerous occasions, spoken to supervisors, requested an escalation process but no avail, they won't even call me back. I am tried, I am old and I need someone to assist me. I feel like I am a victim of predatory lending and Citibank Home Depot don't care about getting the issue resolved in my favor, they just want me to double pay twice for the same account. I fear they are going to ruin my credit and my livelihood. One of the Citibank reps said, we know everything about you so it's no need to block out information on your bank statement. There are hundreds of complaints about the credit practices of Citibank Home Depot, CFPB please H E L P!
Consumer complaint received 2023-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ALLY FINANCIAL INC. (PA)

My name is XXXX XXXX and I live at, and own a home at, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I appealed my property tax rate and received a successful decision to reduce my property taxes from a total of {$29000.00} per year to {$20000.00}. On XXXX separate occasions beginning on XX/XX/2023 I requested that Ally bank, my mortgage service company, review my escrow estimates for the next year so I would not be charged an overpayment of almost {$9000.00}. They have multiple times mis-calculated my new monthly escrow payment and most recently, on XX/XX/2023, they are calculating my monthly escrow payment based on an annual tax payment of {$27000.00}. I provided a summary letter, the annual calculations, the decision on my property tax value from the local taxing bureau and annual tax exact calculations that cover all 3 types of homeowner property taxes ( local township , county and school district ) that clearly demonstrate the {$20000.00} total. At this point, Ally bank are either incapable of completing simple mathematical addition or outright fraud. I need this fixed without another 30 day delay to try again to recalculate my escrow payment.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

BMO Alto advertised their high yield savings account as having unlimited transfers and withdrawals. On the XXXX XXXX, XXXX, BMO Alto accepted my credit card payments from XXXXXXXX XXXX and XXXX XXXX XXXXXXXX to be processed using my BMO Alto savings account. On the XXXX XXXX, XXXX, BMO Alto declined and returned the above credit card payments that were previously processed successfully yet my BMO Alto savings account had enough funds to process the payments. The bank declined and returned the payments without first contacting me. 
BMO Alto flagged the payments as being high risk yet the same credit card payments were successfully processed using my BMO checking account. 
Also BMO Alto allowed me to open up a six-month certificate of deposit account ( CD ) on the XXXX XXXX, XXXX. After depositing {$24000.00} into the CD, a restriction was put on my BMO Alto savings account. This money came from a matured 9-month CD from XXXXXXXX XXXX which I open in XX/XX/XXXX after earning the advertised BMO money market checking promotion of depositing accumulative {$7500.00} of ACH payments within a month in XX/XX/XXXX. 
On the XXXX XXXX, XXXX BMO Alto requested proof of ownership of my XXXXXXXX XXXX  savings account that funded my BMO Atto savings account. I provided my drivers License and the page of the XX/XX/XXXXXXXX XXXX XXXX savings account statement showing my name, my address and my account number. Both documents were rejected and I was told that BMO Alto will close the my accounts on XXXX XXXX, XXXX and my funds would be deposited back to the accounts where the funds came from. 
I called several times to track the status of my funds but, BMO Alto not yet sent my funds the accounts. 
BMO Alto was very fast at accepting the funds, but very slow to return the funds.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

In mid XXXX I received a check in the mail from USAA who I have my home insurance with. The check was for over {$3500.00} and the document with it said that it was for overpayment on my home insurance. This seemed suspicious to my wife and I so on XX/XX/XXXX we called USAA to confirm that this was correct. They said that the check was correctly sent to us and that we were cleared to deposit it. We deposited the check and used it to pay off bills and other debts. They sent us a message several days later saying that they had incorrectly deposited another members mortgage payment into our account and that we now owed that money back as part of our monthly insurance payment. This will cause undue stress as I will have to now use my savings to correct for their error after they said that we could deposit and use the money.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$9700.00} ; XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-02
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. (FL)

Experian is in violation of so many FCRA codes its insane. 

They are receiving the letters requesting incomplete and inaccurate information on the XXXX XXXX XXXXXXXX credit report to be removed. I puzzled how an account can be reported as past due and yet be " charged off ''. A person shall not furnish any information relating to a consumer or consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Experian is reporting this false information without my consent and it is affecting my livelihood. They go on these public websites and extract information and sell it for profit as if I do not have a right to privacy. Moreover, credit may not treat a payment on a credit account under an open ended consumer credit plan as late for any purpose yet they continue to put these negative marks on the credit report. I have no choice but to file suit.
Consumer complaint received 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (MI)

Applied for a personal loan on XX/XX/year> to consolidate debt. I was offered a rate with the stipulation of a portion of the loan going to direct payment of the creditors listed. There was no indication that certain creditors were not eligible for the program and that they " couldn't '' be paid off in this way. The solution was a product with an interest rate XXXX full points higher ( XXXX % ), materially increasing the cost of the loan. There was no discussion of what " direct payment '' meant and that it was limited to a number of institutions with preexisting relationships. I now have a credit inquiry on my report that I would like to have removed. They declined removing the inquiry when I asked. 

The offering of XXXX service that can not be fulfilled without specific circumstances that are not disclosed only to offer another at a higher rate is clearly bait and switch.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (PA)

Jefferson Capital Systems , LLC has violated the FDCPA as outlines in XXXX XXXX XXXX XXXX XXXX, which states that a consumer report is a medium of communication and thus to cease and desist requirements and only respond to the demands in the Notice of Dispute letter that was sent to them certified mail on XX/XX/year>, either by email or certified mail.
Consumer complaint received 2024-08-29
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: CITIBANK, N.A. (FL)

XXXX charged {$50.00} as a deposit for renting a car which should be pending because it would be withdrawn when returning the car. 
I called to put my dispute to citi-thankyou preferred today XX/XX/year> at XXXXXXXX XXXX the agent who attended me named XXXX was XXXX and raised his voice at me and hung up the call. I called again and the next agent did not identify himself and the same thing happened, mistreatment of me and hung up the phone. 
Lately this happens when one requests to speak in XXXX. I am a XXXX client with Citi bank and this happens lately in the XXXX service. 
Finally I put my dispute on the English line with very professional and friendly attention.
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: BANCO POPULAR DE PUERTO RICO (PR)

I paid off my mortgage loan in XXXX of this year. When the lawyer went to cancel the Mortgage at the XXXX XXXX in XXXX, he realized that the mortgage wasn't registered, so it could not be cancelled. 

I made XXXX complaints to the bank without response. 

Today I called the bank again and they told me that I had to make arrangements to contact the lawyer who did the closing in 2004 to make a new deed and present it, that the arrangement wasn't with them.