davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MS)

I attempted make a payment to Citi Bank credit card several times on XX/XX/year>, which was the due date. Unfortunately, I was unable to access their website to make payment on XX/XX/XXXX. I have a screen capture on my phone that I hope would show that I was not able to access their site. 

However, I was able to access their website on XX/XX/XXXX, and I paid the full outstanding balance as I do each month. 

After learning of the charge, I contacted Citi Bank to request that the late payment fee and interest be removed. They refused to remove the fee and interest. I believe Citi Bank purposely prevented me from gaining access to their site to complete the payment.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NC)

Due to XXXX misconduct, even though I was totally quiet, I was accused of not being calm merely because I asked for a supervisor. I was told that because the representative was from XXXX too I just needed to be quiet and I did not have a right to speak to a supervisor. I was then hung up on as if I was low XXXX XXXX who had no right to even be able to ask to speak to a supervisor. Ive never felt so dehumanized until Citi Bank dabbled into discriminatory misconduct.
Consumer complaint received 2024-06-23
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. (NC)

In interstate felonious organized criminal activity, Citi Bank is fraudulently charging me for a charge I did not make because my credit card was stolen. They simply decided I must be a subhuman of the wrong race - and thus I deserve to be criminally stolen from. This is so despicably sick and disgusting. I have a police report documenting my credit card was stolen by criminal actors. However, Citi Bank is now dabbling into criminal wire fraud because they think this makes more money now.
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (GU)

Sir/Ma'am, I joined the military in XX/XX/2014. I had a 2 year contract with XXXX until after XXXX. 
Due to the fact that my XXXX was to XXXX, I would n't be able to use my XXXX service anymore. 

When cutting my contract with XXXX, I explained to the customer service rep that I had XXXX orders to XXXX. The rep told me everything was fine and that the early termination fee for cutting the 2 year contract was waived due to the SCRA. 

It has been 2 years since that conversation was made, and since then I have been receiving mail from debt collectors stating that I owe XXXX XXXX or so dollars. This has had a major impact on my credit, being that this occurred 2 years ago. 

I have called XXXX multiple times, and they keep telling me that there is nothing on file for my early termination, or the waiving of the fee. They have also said that Southwest credit, a debt collection agency, owns the bill now. They are the ones requesting the XXXX dollars. 

Is there anything that can be done to settle this issue? I will be XXXX to XXXX in a month, and I really would not like for my credit to keep going down as the time passes. 

The last concern that I have is the impact this has on my credit. If this issue does get settled, could the debt get removed from my credit altogether, or would it stay there saying I never paid a XXXX bill that was apparently " waived '' two years ago. 

I would really appreciate any help I can get on this matter. 

Thank you.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Capital One for Ignoring Financial Hardship Request and Potential Retaliation Dear Sir/Madam, I am writing to formally lodge a complaint against Capital One for their failure to acknowledge and respond appropriately to my financial hardship request. Additionally, I am concerned about potential retaliatory actions they may take, including the repossession of my property without consideration of equity.

**Details of the Complaint : ** 1. **Background : ** - I have been a customer of Capital One for 4 years - Due to unforeseen circumstances, I am currently experiencing severe financial hardship. 

XXXX. **Financial Hardship Request : ** - On XXXX XXXX, I submitted a formal letter to Capital One detailing my financial hardship and requesting assistance. 

XXXX. **Capital One 's Response : ** - Despite my detailed request and supporting documents, Capital One has either ignored my communication or provided an inadequate response. 
- There has been no meaningful attempt to negotiate or offer accommodations that reflect my current financial situation. 

XXXX. **Legal Basis : ** - Under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C . 1691, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, creditors are obligated to consider and reasonably accommodate consumers facing financial difficulties.

- Capital Ones inaction appears to be in violation of these federal consumer protection laws.

5. **Concerns of Retaliation : ** - I am increasingly concerned that Capital One may retaliate by repossessing my property.

- Such action would disregard any equity I may have built up and would exacerbate my financial distress.

**Requested Resolution : ** - I seek your assistance in ensuring that Capital One acknowledges my financial hardship request and engages in good faith negotiations to provide reasonable accommodations. 
- I request that any potential repossession actions be halted until a fair resolution is reached, taking into account my equity and current financial situation. 


*XXXX : ** 1. Capital One Customer Service Department Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX, I attempted to purchase a wig from a user on XXXX. The user asked me to send money through PayPal as a " friends and family '' payment. The payment was {$100.00}. We exchanged briefly through the XXXX XXXX app. I asked that the user send me shipping information once payment was received and the wig was shipped. I recently checked back on the conversation to see where the shipping information was. I am no longer able to interact with the person. I also noted that the name I sent the payment to was different than that which I was messaging with. I am just hoping that I can get my money back. 
I attempted to report the person on PayPal, but since it is a " Friends and family '' payment it is not covered by purchase protection.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (TX)

I have been using Credit Karma for a few years now and the information they report is consistently inaccurate. I pay for all my reports and scores from all three of the credit bureaus so I get up-to-date information in real-time about my reports. Credit Karma has no way to contact them directly to dispute this information the three credit bureaus XXXX, XXXX, and XXXX have sent the updated and correct information to Credit Karma. Credit Karma currently shows that I have XXXX hard inquiries on my XXXX credit report, however my official XXXX credit report shows XXXX hard inquiries. XXXX hard inquiries is excessive and not acurate by any means.
Consumer complaint received 2024-06-13
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: Affirm Holdings, Inc (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (WI)

I opened a Citi Accelerate Savings and was supposed to receive a {$150.00} bonus after opening the account after meeting certain criteria ( duration, amount, etc. ). The money bonus money was never received. After requesting the bonus money to be added to my account Citi said they had no record of that program and I had to Fax the information over so their back office could verify the bonus program. I faxed the information to Citi and after 8 plus phone calls have still not received the bonus. They have requested I fax the information again. Also during my customer service calls, two representatives said everything was approved and my money should be in my account within 24-72 hrs. I waited and never received the bonus funds. My only action is to fax the information again because after many inquires, they said they do not have an email address where I could send the necessary documents. I am concerned that many other consumers are not receiving their bonus cash for accounts they have set up with Citi.
Consumer complaint received 2024-06-14
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: Exeter Finance, LLC. (NV)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancellation of Debt ) from the following charged off accounts listed below. EXETER FINANCE XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX XXXX this account can not be reported as a charge off on my credit report it the account was sold to another lender. Please send the XXXX form
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (GA)

I am writing to remove XXXX fraudulent tradelines on my credit file by CONTRACT CALLERS INC. Furthermore, I am begging this consumer agency to enforce this by helping me remove a fraudulent and blemished collection account from my credit file. I have disputed the following data on my credit file more than a few times, which is fraudulent. I spoke to someone at, CONTRACT CALLERS INC and the XXXX lady said you people never pay your bills. You people? This is beyond XXXX. I have disputed these illegal debts several times and once I dispute the debt, the debt collector must stop all debt collection activities until they provide me with proof that I owe the debt, which I do not since it is fraudulent. CONTRACT CALLERS INC must provide me with that proof and never bother me again. Under the FDCPA, I have the right to dispute the debt and it has XXXX separate components : 1-Right to notice of the debt 2- Right to contest the debt 3-Right to verify the debt Within XXXX DAYS of first contacting the Consumer Financial Protection Bureau. CONTRACT CALLERS ' INC must send a letter telling me : the amount of the debt the name of the creditor information about what I can do if I think there has been a mistake, and proof. I can prove it is XXXX XXXX. The debt collector must stop all debt collection activities until it can verify the debt. Additionally, I have my original XXXX XXXX  affidavit. The recurring patterns of complaints against CONTRACT CALLERS INC, as reflected in the XXXX XXXX XXXX  complaints, are as follows : Denial of Debt : The denial of liability for the debt assigned to CONTRACT CALLERS INC, continues to be a consistent complaint across all customers. I do not owe this debt and have no contractual relationship with CONTRACT CALLERS INC. Lack of Original Contract : Customers consistently complain that CONTRACT CALLERS INC did not provide me with the original contract that I requested. This contract would confirm the claimed debt. Unfamiliarity with the Company : I am not familiar with CONTRACT CALLERS INC or the original debtor. I have never been contacted. Inappropriate Reporting : A complaint suggests that CONTRACT CALLERS INC, reporting of the debt to credit bureaus might be violating the Fair Credit Reporting Act. This indicates potential issues with their reporting practices. Claims of XXXX XXXX : This is XXXX XXXX. It points to potential issues with verifying my identity. Unsatisfactory Product/Service : These complaints fall under the complaint type " Problems with Product/Service '', which indicates a more general issue with the way CONTRACT CALLERS INC , managed its debt collection process or communicated with its customers.
Consumer complaint received 2024-06-17
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: BARCLAYS BANK DELAWARE (SC)

On XX/XX/2024 I had the unfortunate to click on a link that I received which will took me to zoom video for a few minutes and I gave my inf of my credit card fewto this company name XXXX minutes later I realized that I just got scam I didnt received any invoice or receipt or perhaps any contract or merchandise so I called immediately to XXXX and said that it was fraud that was my mistake well Barclays said not to worried cancel my credit card sent me a new one I activated and I travelled out of the country 3 weeks later Barclays credit card company sent me letter said that they granted the XXXX to the company in question because I was in zoom video which I thought it was an introduction I believe but anyway in the meantime I tried to contact the company by email phone calls nothing not respond so I asked Barclays to run an investigation because Im not responsable for something I didnt receive Barclays is responsible for not complying by notify me that I had set up in my app that when I have a transaccin for more then XXXX they fail to communicate with me before released that huge amount in what ground because the company said that I was in zoom that supposed to be an introduction not reason for Barclays to believed this company and paid them XXXX now the interest and fees are out unbelievable hight and Barclay keep said that because I gave my credit card isnt considered scam they had to paid so I explained to them if you issued me a new credit card sent to me I activated why Barclays said to me not to worried about it you fail in communicated me that you had released the funds which Im not responsible out all my credit cards I received an alert I had been in business with this credit card company for the last XXXX  years Barclays fail to protect my rights as a consumer and now are ruined my life my credit score was excellent and now Barkley all kept saying isnt a fraudulent and Im responsible for it please help me I finally got in touch with the company in question on XX/XX/XXXX after I arrived to XXXX and this guy said to me that they wont return my money back and the only reason I reached to then is because Barclays granted the money and hang off on me I called again and he hanged off on me and I hadnt heard from them at this point I m in desperation and dont know what else to do Im a low income individual.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/year>, I received a call from someone claiming to be from Wells Fargo fraud department. They said there was suspicious activity of {$3500.00} dollars on my XXXX account. I was told the only way to reverse the charges was to go to my XXXX account and send {$3500.00} to an account they provided. Since I was convinced it was a valid call, I unknowingly sent the money straight to the scammers.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/1990 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (GA)

M & T Bank has late payments on my account which is against the law according to 15 USC 1666b If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (PA)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never XXXX.