davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AZ)

I am writing to file a formal complaint against Citibank for what I believe to be discriminatory practices that have affected not only myself but potentially countless other consumers in my industry. My concerns are rooted in both the unjust closure of my credit card accounts and the broader context of similar actions reportedly taken by Citibank against other individuals under questionable circumstances. 

As a longstanding Citibank customer of over 10 years, I have always maintained my accounts in excellent standing. Despite this, Citibank abruptly closed all of my credit card accounts without prior notification or a clear explanation. The only conceivable reason for this action appears to be my investment within the legal and state-regulated cannabis industry. This rationale for closing my accounts is not only discriminatory but also a punitive measure against my lawful employment. Over 100 people I have spoke to in IL have had their accounts suddenly closed with no explanation. No other financial institution has done this. 

Furthermore, there is reason to suspect that these closures may also be influenced by discriminatory practices potentially based on personal data, including my name or other identifiers, given Citibanks history and ongoing lawsuits alleging similar behavior. Such actions suggest a pattern of behavior where Citibank may be systematically targeting individuals based on their association with the cannabis industry or other discriminatory criteria. 

Context of Wider Issues : Citibank is currently facing multiple lawsuits alleging discriminatory practices. These lawsuits suggest a troubling pattern that aligns with my experience, indicating that my case is not isolated but part of a broader, systemic issue within the banks operations. This raises significant concerns about Citibank 's compliance with federal regulations designed to protect consumers from such discrimination. 

Impact and Request for Action : The closure of my accounts has not only caused significant personal inconvenience and financial disruption but also the forfeiture of accumulated rewards without recourse. This action has implications for my financial stability and credit rating, adding to the urgency of this complaint. 

Given the severity of these allegations and the potential violation of consumer rights, I urge the Consumer Financial Protection Bureau to : Conduct a thorough investigation into Citibanks practices regarding account closures. 
Assess the legality of Citibanks actions in the context of federal anti-discrimination laws. 

Take appropriate actions to ensure that affected consumers, including myself, are afforded justice and that such discriminatory practices are halted. 

I am prepared to provide any further information needed for this investigation and eagerly await your response on how this serious matter will be addressed. 

Thank you for your attention to this critical issue. I look forward to your prompt and decisive action.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Im so tired of having to file complaints to the CFPB because Wells Fargo is XXXX. 

I got a deposit from XXXX for {$570.00} that was pending on my account, XXXX hours later Wells Fargo removed it off of my account and I contacted them to ask why. 

The agent told me that she still sees the {$570.00} refund in her system yet she does not know why it was taken off however, encourage me to wait XXXX to XXXX business days to see if it would get reflected back onto the account. 

Wells Fargo with held the {$570.00} deposit of mine and then approved XXXX transactions, for {$500.00} and XXXX for {$130.00} and then assessed me an insufficient fund fee charge for each of XXXX of those transactions Right when those transactions posted, Wells Fargo posted my credit of {$570.00} and left me negative when originally that money shouldve been there already yet they did their typical XXXX move and charged me fees. 

I am so sick of having to deal with this every single time
Consumer complaint received 2024-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

This notice is for Employees at Toyota Financial Services Banking Institution and XXXX XXXX at XXXX  [ XXXX XXXX XXXX, XXXX ] Please answer the following questions : Question 1. Who is the debt collector and whos making the claim of a debt being owed? 

Question 2. Who are the witnesses of the debt alleging to be owed? 

Question 3. Did you advertise that you provide loans? 

Question 4. Are you the account holder? 

Question 5. Im I the trustee? 
If I am the trustee then Im requiring to be compensated monthly starting from the inception of the account. Trustee pursuant to the XXXX XXXX dictionary are to be compensated. 

Question 6. Im I listed as an employee of Toyota Financial Services or any entity tied to Toyota Main Corporation, its all of its entities and all of its subsidiaries? 
If so when was the interview held for employment, whos my immediate supervisor and when was the salary which would be compensated to me discussed? When were the the benefits and perks discussed with me which should be available to me as first in line as an employee?
Consumer complaint received 2023-12-20
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. (IL)

Hello, I am asking for help with resolving the falsely prepared collections on my report by the XXXX XXXX XXXX, which represents XXXX XXXX, which is the previous owner of the apartment I was renting and without any basis or evidence, passed me on collections and I have completed 1 year lease with the new owner XXXX XXXX XXXX with balance {$0.00} and I have it reported and I am attaching it to the evidence. I am requesting this be resolved from my report that was falsely prepared without evidence required by the Illinois Law Collection by the XXXX XXXX XXXX for the amount of XXXX. Thank you.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: United PanAm Financial Corp. (AL)

Ive Been On My Credit Profile Checking My Credit Reports & I Have Inquires That I Did Not Authorize Or Have Any Knowledge Of Ive Tried Contacting The Companies & Havent Got A Response.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (CO)

On XX/XX/XXXX, I applied for an apartment and my application was denied due to a collections account from ProCollect, linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Arkansas. The account, submitted on XX/XX/XXXX, for {$1300.00}, is not mine. I have never resided in XXXX XXXX, Arkansas. In XXXX, I was XXXX XXXX XXXX in XXXX, and I can provide documentation to substantiate this fact. 

Actions Taken To resolve this matter, I have taken the following steps : Communication with ProCollect : I spoke with representatives at ProCollect to address the issue.

Police Report : I submitted a police report confirming the identity confusion between myself and my XXXX  brother that was asked of Pro Collect.

Identification Documents : I provided copies of both my and my XXXX  brother 's identification to ProCollect.

Despite these efforts, the collections account remains inaccurately associated with my credit report. The documentation provided by ProCollect lacks crucial identifiers such as my brother 's Social Security Number and Driver 's License Number, further indicating that this account is not mine. You can also asked Pro Collect for the recording calls of me explaining the situation multiple times and them stating that my XXXX  and I have the same SSN and they couldnt find my XXXX  brothers SSN when they did the search.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

XX/XX/year> I opened a Chime account because I wanted to send my brother money for his birthday, and because he lives XXXX, Chime is the only American company he can receive money though. Chime has a {$25.00} minimum deposit requirement but I only wanted to send my brother {$20.00}. I sent the {$20.00} to him fine with no issues. I attempted to send the remaining {$5.00} back to my external bank and received a message saying that before I could complete a transfer, Id have to activate my Chime debit card when it comes in the mail in XXXX weeks. I reached out to their customer support via chat and was told that this was to be looked at by the internal team and I would receive notification regarding their update. 

XX/XX/year> I log into my Chime account and am met with a message stating that my account has been closed and if that if thought it was a mistake, to call or email their customer support. I immediately called, and after being placed on several holds, was told that my account was closed for not complying to company guidelines and that I was not eligible to have my money returned. This sounded absolutely bizarre so I inquired about why exactly the account was closed, as I had only deposited and sent money ; {$20.00} at that. And the person I chatted with the day prior didnt state any wrong doing on my end. I was then told thats all the information I could be given, so I asked to speak to someone above her or for her to escalate the call to someone who could explain why exactly my account suddenly was closed. She said should wouldnt escalate repeatedly and that theres nothing I could do. She said she had to end the call and that was that. I then emailed the address provided and was met with an auto response stating that you have to call them. This is obviously set up to scam people out of their money.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (MD)

Direct Express is the company. As I stated before, I requested some of the unauthorized charges to be investigated and all they do is deny, deny, deny them and say that they were authorized according to what they looked at even though I know they wasn't. At one point in time I wasn't even didn't even have a car with me and the car was used in another country and they still said it was authorized. How could that be? How could it be if I'm in the hospital in the car is used to pay somebody else 's phone bill that is not even associated with me. If I'm XXXX  for 11 months, how could the cards still be used to buy groceries and go shopping? I never got that. Even with a police report they still did nothing. I got no money back. They still said it was authorized.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (TX)

I have reached out twice to Bridgecrest Bank, who currently holds my vehicle 's Lien, which I bought in early XX/XX/year>. Shortly after, I received military orders to PCS ( permanent change of station ) OCONUS, and in order to ship my car on the military 's dime, one of the documents required is a Lienholders authorization letter. So I called the Bridgecrest, and made the request, submitted my orders per the instructions, and my timeline. A month passed and didn't hear back. Now it's been XXXX months, so I called back to check the status, and this time I was told that in order for me to receive this letter I have to pay an additional {$1800.00} ( XXXX more payments ) before they could release this letter. This is unreasonable and not to mention never initially part of the original contract or conversation I had in XXXX. I am to ship this car on XXXX XXXX and this issue is against the Service Member Civil Relief Act and adding additional unwarranted stress to an already stressful situation.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TradeStation Group, Inc. (CA)

Opened and funded new account with bonus promo code for Tradestation on XX/XX/year>. Met and exceeded all requirements for a {$150.00} bonus. Tradestation has failed to post my {$150.00} bonus. I have contacted them numerous times and haven't received the bonus I earned.
Consumer complaint received 2023-12-20
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. (NV)

PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. 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.
Consumer complaint received 2023-10-19
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XXXX XXXX XXXX  CREDIT I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-05-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc. (MO)

Please see previous comment. I have requested assistance in order to simply login and they state they can not help me due to in progress engineering of the app. I have borrowed and repaid over $ XXXX in loans, including their tips, fees, donations, etc. and I have a right to view any and all transactions made with the company. Ive been told there is no way for them to alter the login process and they are aware while trying to remedy. This has gone on over a month without resolution.
Consumer complaint received 2023-12-22
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. (NV)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-05-21
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: Bridgecrest Acceptance Corporation (MA)

Bridgecrest auto loan is still reporting as a closed account but many months that were past due. During the XXXX XXXX  pandemic, I entered into an agreement per the federal and MA govt that allowed for a payment readjustment during the emergency. Bridgecrest per law agreed to the adjustment. 

Once the pandemic period was over, Bridgecrest re updated all the old late payments. They violated the agreement that we had in place.

I have disputed this with the credit bureaus as well and I am requesting that they delete the record on file per US code 15 USC 1681 I US Fair Credit Reporting Act and US 1681 E and all other applicable codes. 

Please remove from my credit report per XXXX Payment Agreement that you didn't honor
Consumer complaint received 2024-01-20
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: Remitly, Inc. (FL)

XX/XX/XXXX I ordered a membership for discount oversea travel with XXXX $ but then they ask me to put credit card information and the account use to transfer money to activate account, but then I dont know they got my password and charge XXXX $ and XXXX $ without my permission I try contact them but they blocked me, and then I call my bank to dispute it at XX/XX/XXXX until XX/XX/XXXX they declined my dispute, and I already contact to Remitly App money transfer they block my acc and refused to help resolve this case. I need u guys help to fix it please!
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (KY)

On XX/XX/XXXX I went to XXXXXXXX XXXX XXXX XXXXXXXX ky I bought a XXXX XXXX XXXX paid {$4800.00} down and traded in XXXX XXXX XXXX XXXX XXXX that I owe {$5000.00} on said payments be {$570.00} a month for 42 months. I did not realize they made me pay {$500.00} extra on XX/XX/XXXX and charge Me XXXX  {$2200.00} I dont know what that is? And charge me {$610.00} for gap insurance said it came with the loan wasnt extra? And Im paying 25.49 % apr interest rate loan was for {$15000.00} the loan company is credit acceptance.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UMB FINANCIAL CORPORATION (CA)

In XX/XX/year>, I started the transfer of my XXXX XXXX XXXX at UMB to XXXX. On XX/XX/year>, UMB finally closed my account and transferred {$67000.00} to XXXX. With an almost {$68000.00} balance from XX/XX/XXXX to XX/XX/XXXX, it is my understanding that I should have accrued some interest during this 10 day period. 

On XX/XX/year>, I called UMB ( XXXX ) and inquired about my accrued interest. The representative told me that interest payment will only be made at the end of the month. If the account closed before the month ends, no matter how big the balance is, the customer will not receive any interest payment.
Consumer complaint received 2023-12-20
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. (DE)

My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment by those managing this information, so kindly furnish all available details outlining how accuracy and compliance responsibilities have been neglected. I officially challenge you to thoroughly review the data on file for me, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, addressing any inaccuracies or deficiencies in reporting. The credit report I received lacks accuracy, which is surprising considering the expectation that you adhere to FCRA and relevant Metro 2 data field formatting standards.

As a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful and timely provision of correct information to ensure none of my rights are violated. I am aware that you have been responding to disputes and challenges from consumers with form letters, irrespective of the specific information provided. This practice is illegal, as each dispute and challenge must be individually addressed based on its merits. My letters were generated using universally accessible software. Failure to process my letters violates 15 U.S. Code 5 1681i.

Please note that delaying the processing of consumer letters under the assumption that third-party assistance may be available is not a legal exception. I am the author of any letters bearing my name, written either by me or my advisors with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be considered an intentional disregard of my consumer rights, prompting me to involve my lawyer for legal action.
Consumer complaint received 2023-12-21
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NJ)

Hi, I received this debt collection e-mail in error. Given the address they have on file and the debt they are trying to collect, this collection agency has me confused with someone else. 

However, Im primarily concerned that this is a phishing attempt. 

Thanks and regards.