davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MA)

I opened an account on XX/XX/XXXX under Citi Bank 's Checking Account promotion XXXX, which stipulated that once two Enhanced Direct Deposits were made to the checking account that totaled {$1500.00}, a promotion of {$300.00} would be made to the account within 30 days of the direct deposits. I made two separate ACH deposits on XX/XX/XXXX totaling over {$1500.00}. I contacted Citi Bank via letter, chat, and phone more than 8 times over the course of 4 months, and I was provided conflicting information every time. One representative told me that the promotion would be deposited within 5 days of my phone call ; another representative told me that I would need to wait 120 days from the account opening date. All representatives told me that I had satisfied the promotion eligibility criteria as of XX/XX/XXXX. 

On XX/XX/XXXX, a phone representative opened a research case for me after I complained that I had not yet received the promotion. I received a letter, in writing, dated XX/XX/XXXX, from Citibank client care. This letter confirmed that I had satisfied the promotion criteria, and advised me that I would receive the promotion within 30 days. Not only did this not happen, but as of XX/XX/XXXX, 30 days had already elapsed since my XX/XX/XXXX direct deposits. I called Citi Bank client care on XX/XX/XXXX, and the representative told me that I would need to wait XX/XX/XXXX to receive my promotion. 

I sent a letter to Citi Bank XXXX XXXX on XX/XX/XXXX requesting that they clarify the promotion criteria. I included copies of their XX/XX/XXXX letter and my account statement. They responded in an undated letter and wrote that they could not help me because I did not include my full account number in my letter. I called Citi Bank on XX/XX/XXXX ; again I was told that my account had satisfied the promotion criteria, and I was instructed to wait until XX/XX/XXXX. 

Today, on XX/XX/XXXX, more than 120 days after my account was opened, I contacted Citibank, and the representative told me that my account had never satisfied the promotion criteria. This was the first time anyone from Citi Bank had told me that my account did not satisfy the promotion criteria. The representative said she would open yet another research case for me.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (FL)

I spoke with XXXX at XXXX Capital City Bank On my XX/XX/XXXX statement, I noticed that the Interested charges was {$100.00}. 
Every month I have {$200.00} deducted on a {$6500.00} balance. 
The statement says the minimum payment due is {$160.00}. 
XXXX XXXX states that my payments are only paying the interest and only a few dollars are paying the principal. 

I informed her, a few months ago I inquired about the interest rate asking for a deduction so I can pay this thing off. She told me the original interest rate was XXXX % and now it was at XXXX  % I told her then ; the interest should have gone done but instead it has increased. 
She stated that I need to pay more every month to see the difference in the interest being applied. I told her this does not make any sense, and I know, she knows this is not correct, let along right. This is the only remedy she gives me for this solution. 

I have been a loyal customer since XXXX, never missed a payment and never been late and never asked for an increase.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (VA)

Years ago I opened a Venmo account. Friends were able to deposit funds into my balance without me submitting ID verification documents. {$620.00} have accumulated.

Venmo demanded that I submit three ID verification documents to withdraw any of my balance. It seems like a scam that Venmo allows deposits, easily, without ID verification, but demands ID verification to take the funds out. Venmo has the benefit having my {$620.00} and has a vested interest in me not withdrawing it.

I played the game and submitted the ID documents on Saturday, XX/XX/XXXX. It is now Thursday, XX/XX/XXXX, four business days later, and my balance is still frozen. Venmo continues to accrue the benefit of having my balance although I have submitted all their requested documents.

I called their " help '' line and was unable to talk with a human despite many attempts. I went to XXXX XXXX XXXXvenmo.comXXXX and was unable to text with a human.
Consumer complaint received 2024-08-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (FL)

I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
The dealership did not disclose this information to me that is required by federal law. 
The dealership knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 
The dealership knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 
You are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WV)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Prosper Marketplace, Inc. (GA)

I made a {$500.00} payment, they never submitted to my bank, lied about it & charged me interest. I asked for escalation, they never responded. I made a {$66.00} XXXX {$430.00} payment, they reversed/held payment, charged interest again! I asked Supervisor " XXXX '' what balance amount did they use to calculate interest fee. She stated she doesn't know & Noone there knows. I said that's scam/fraud. She pretended call dropped, but muted her phone. Stayed on for an hour while I am submitting complaint to att general, XXXX  and you guys, then hung up! They are stealing from consumers with false credit reporting, high interest, return fees late fees & whatever else! I told them my mom had a heartattack. I needed my card for emergency, they got worse!
Consumer complaint received 2024-08-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC ()

In XXXX of 2023 I was checking my credit score and it took a hit of about XXXX points. I pulled my credit report and XXXX showed XXXX had a delinquency of {$100.00}. It was from a XXXX account that I do not have, and it was turned over to a collections company ( Jefferson Capital LLC ). 

I immediately reported it as fraud to XXXX and XXXX. Within a few days my XXXX credit score was restored and the charge was removed from my credit history. To this day XXXX is still saying the debt belongs to me, but will not provide me with any details such as account number, when/where the account was opened. 

Several months ago I contacted Jefferson Capital through their website and have yet to receive a response. 

This fraudulent account was opened while I was not in the United States, I was stationed in XXXX with the XXXX XXXX. 

Also, Jefferson Capital LLC has never called me, emailed me, or mailed me. XXXX has never called me or contacted me via email or post. Obviously this means my phone number ( which is not even a US number ), address ( Which is not in the US ) and email address were not used in opening this account.
Consumer complaint received 2024-08-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (MA)

Bridgecrest finance will not release the title to my car. I paid off the entire balance via XXXX payments after continued communication with them regarding my charge off balance, the payments were made in full from XXXX. They continue to say I have a balance even though I have completely paid the balance to them, {$16000.00}, according to the official statement from my bank, the processed payments do in fact equal the balance. They sent a transaction log that has errors, it states an extra reversal that XXXX my principal balance almost {$6000.00} than what it ACTUALLY was- stating at even after repaying the reverse payment my balance at XXXX point XXXX to {$22000.00}, thats absolutely incorrect, if it isnt incorrect then I was given false information about the total charge off amount continuously by multiple support representatives. Every representative Ive talked to does the math but incorrectly. They are not paying attention to the errors in principal on their own logs. Ive sent a bank statement that satisfies their requirements and have yet to hear from them. The balance they have is incorrect, according to my bank, the payments processed do in fact complete my charge off balance and I should be able to start the title release process. This has been extremely challenging as they are threatening with repossession after an error on THEIR accounting system. Even accounting for the processing time of 10 days the payments are completed. They must release the car.!
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NJ)

My chime card was compromised and {$XXXX.00} was taken from my account from cashapps I do not know, Unauthorized Debit Transaction. I called chime XX/XX/year> to dispute the charges. Less than XXXX hours my dispute was denied. I asked for the documents and reasoning behind my dispute being denied. I received the email of the documents that lead to chime denying my dispute today and the email only has the questions I was asked when I first called to dispute the charges. There was no information in the email that tells me how chime came to their conclusion. I even called chime on XX/XX/year> to figure out the reason and no one could give me an answer.
Consumer complaint received 2021-07-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am trying to buy a house and have to clean up my credit so I started disputing some items I don't agree with on my credit report. The first time was on XX/XX/2021. I read that the bureaus had 45 days to respond to the disputes but I never received anything from any of them. So I sent another dispute on XX/XX/2021 to all 3 bureaus. I still to this day haven't received anything from any of the bureaus to know what the outcome was or if they plan on investigating. So today, XX/XX/2021 I sent another dispute round but I did it online directly with all 3 bureaus. They have a LEGAL timeframe of 45 days to respond and they didn't, twice, this is not professional in any sense at all.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (MN)

As of the end of the XXXX calendar month in the year of XXXX all attempts to gain collection on a debt should cease as it has reached its 6 year from the date of the last payment, by state law any further attempts at collecting should come to an end and also deemed past the statute of limitations for collection in the state of Minnesota, which is six years. The date of the last payment on this account was in XXXX of XXXX before the vulture minded collection company had taken it on the debt. making this debt time-barred. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the inaccurate information from my credit report. Ive adamantly proclaimed for years I was a victim to some sort of fraud and or identity theft and but I was never provided proof by anyone that the debt ever belong to me. The collection agency is Jefferson capital systems of XXXX Minnesota
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I had a checking account with USAA that was closed, because I lost a dispute that overdrafted my account. After the dispute was resolved against me, I asked to provide evidence showing that the dispute was valid and my dispute should be reopened. The dispute was reopened but I was not given another provisional credit and I was never asked for the evidence which I had. This evidence would have showed that I was charged twice for the same transaction. In addition, because of USAA 's failure to notify their collections department that I was disputing the charge which had caused my account to overdraw resulted in my account being closed and sent to collections. My account should have never been closed and sent to collections. USAA claimed that they reinvestigated the dispute, but they failed to ever ask me to upload any documentation or evidence. Most egregiously, I was sent a letter that said that the documentation I had submitted on my re-dispute was the same as the documentation I submitted for the original dispute. I never provided the evidence showing that I was charged twice, and I have no idea what USAA was referring to in the letter about the re-dispute. This whole dispute was handled badly from the beginning.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (DE)

Using the information provided by Cedars Business Services I was able to determine the following : -I purchased an item ( a porch chair ) on XXXX from a seller who, unbeknownst to me, ordered the item from XXXX in my name. 

I paid the XXXX seller via the XXXX payment process -The item was shipped to me. Unbeknownst to me, the item was shipped to me by XXXX. 

-The XXXX seller tried to convince XXXX that the item was damaged. The XXXX seller did not pay XXXX for the item. 

-I was a good-faith purchaser of the item.

-I communicated my findings to Cedars Business Services in writing multiple times.

-I offered to assist Cedars Business Services in any way I can so that they can pursue the XXXX seller. 

-Cedars Business Services has ignored all information I provided to them. They continue to demand payment from me, the good-faith purchaser.
Consumer complaint received 2024-08-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (AZ)

XXXX XXXX filed bankruptcy and in our contract with GoodLeap the finance company assumes responsibility. We no longer have our 25 year warranty, we were not told about the specific cost of additional fees under lender truth statement. We truly have no idea how much we were over charged. We are paying on a system that halfway works and we have to pay for any labor now and in the future GoodLeap does assume responsibility for that and we should no longer be paying this loan if they are not honoring the warranty and they have tacked on fees that no consumer can see in the contract. Peoples lives are impacted by this situation and a full on investigation needs to be completed with GoodLeap/XXXX  XXXX scam to consumers. We were denied credit and our sales person said he would get GoodLeap approve it so I assume we are paying a huge up charge for approval as we were denied initially. Please investigate, I want the panels off my roof, the loan removed and my roof back to its normal state. I have several calls into XXXX XXXX  about my under performing solar and now I have no one to call. I called GoodLeap  and they keep telling me my panels are working and they would send someone out one time and they could connect me with contractors I would have to pay for and that was not the agreement I signed up for. I was also told my bill would range around {$350.00} a month and I have yet to see that. I called XXXX prior to this mess and my panels were to be rearranged on my roof and that has yet to be done.
Consumer complaint received 2019-08-01
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: Experian Information Solutions Inc. (TX)

XXXX is reporting incorrectly to XXXX ; Experian and XXXX a charge-off/collection in the amount of {$15000.00} along with reporting lates on the XXXX account number XXXX. ( Please see page 12 of the attached credit report. ) Due to extenuating circumstances, we voluntarily surrendered this vehicle. My wife unexpectedly had to move overseas to take care of her ill father for an indeterminate amount of time. The car was sold at auction and brought enough money to pay off what was owed. I was informed that a voluntary surrender would not be reported on my credit report and that a voluntary surrender would not harm my credit score. Since this debt was paid and there is no outstanding balance due, this account should never have been reported as a collection. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I asked this company to validate this debt with a letter including all financial information regarding this debt and they responded with with requesting for me to give my credit or debit card information in order to recieve the validation of debt. This is unacceptable and if the validation of debt cant be provided I would like for this debt / collection to be removed from credit report immediately
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: CREDIT ACCEPTANCE CORPORATION (CA)

Checking my credit report, account CREDITACPT ( XXXX ) shows late payment remarks that are inaccurate since I have not missed any payments. I have made several disputes regarding this issue ; however, the remark only seemed to 'validate ' itself according to them, but in none of their responses did they provide certified information that verifies I was indeed in delinquency. This is why I am filing this complaint, as I believe the company in question is violating the following sections of 15 : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (NY)

I deposited {$700.00} in the joint account that me and my wife have via atm in cash on XXXX XX/XX/year> at XXXX. The bank is Citi Bank located in XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX United States When I went to deposit it it shows that the account was on overdraft after the deposit I saw the negative balance. Looks like my wife deposited a check that bounced and she withdrew money already from the available limit and the account ended on overdraft which I was not aware of. I can see all the transfers made except the {$700.00} deposited by me. 
I understand that the account is in negative balance and Im willing to pay it before it goes to collection but first I want the deposit issue to be resolved and I will be paying the difference so that does not go to collection. 

I tried calling costumer support over 10 times and they are telling me to go to branch where I deposited it and speak with them. I went there 4 times already and they are not helping me either. I told them to check the cameras they wont do it. Theyre saying that they count the money every week from the atm and they didnt see any extra money in the atm. Im pretty sure I deposited on ATM XXXX. XXXX. 
And now Im here asking for help to resolve this issue that has been going on for 2 weeks now.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WV)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose