davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
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. (IL)

I purchase a ac for my rental property that has three children their and their are exposed wiring that are hazardous that can cause bodily harm in the residence. It can cause shock, fire and tripping hazard. 

I contacted XXXX XXXXXXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX and he is aware of the bouch install and the contractors were very rude and left expose wiring in my property that put my insurance and tenants at risk. 

Some was sent out to fix the problem and I was told the XXXX XXXX do not give them tools and covering. I told them that's was a building hazard. 

I requested that my credit card be refunded instead I was charge and additional {$1600.00} in interest and my property was left in a unsafe with 2 adults and three children and that's not fair. Can not babysit this sitiation.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On a recently opened commercial checking account with CitiBank, we deposited our first check from a client in the amount of {$17000.00}. Within a few days, the clients bank, XXXX XXXX, released the funds accordingly, and the funds were available in our account. However, within a few days, we were locked out of our account and were notified that our account was being closed due to fraudulent activity. After asking why and how to receive our funds in the account, they only told us they would hold onto our funds indefinitely, or XXXX XXXX would have to put a claim on the check to return funds to client. However, since the check was already long deposited and no fraudulent activity occured on XXXX XXXX end, they are refusing to take action. Upon relaying this information to the CitiBank representative in the fraud department, they also said they are refusing to take action and again will hold onto our funds indefinitely unless XXXX XXXX takes action. It was CitiBank that closed our account for apparent fraudulent, and are now unwilling to release the funds rightfully owed to us. I've had several calls with CitiBank fraud department, and they have repeated several times they will hold our funds indefinitely. This is fraudulent activity as they holding onto funds that is rightfully ours.
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (MD)

My XXXX XXXX XXXX XXXX was not working properly. XXXX sent me a new set of equipment to fix the issue when they shouldnt have. I ended up canceling the service because the Technician that came to my house said there is no way to fix the issues in my location. When the XXXX came to my house he took both sets of equipment with him ( the one that was already installed and the new one that XXXX sent by accident ). XXXX is stating they never received the equipment back that they sent by accident when their Technician is the one who picked it up from my house.
Consumer complaint received 2024-07-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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.
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (VA)

IQ Data International continues to call me after I sent them a letter to contact by written correspondence only. I have faxed them a letter at XXXX XXXX XXXX. 

The first time was XX/XX/year> at XXXX. 
The second time was XX/XX/year> at XXXX.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (IL)

I filed a dispute on XX/XX/XXXX for two {$110.00} XXXX transactions that were unauthorized. MoneyLion said Id receive provisional credit under Regulation E in 10 business days if the claim needed more time. Its now XX/XX/XXXX, and I have yet to receive provisional credit for these disputed transactions which Im sure is a violation of Regulation E.
Consumer complaint received 2024-07-10
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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: ALLY FINANCIAL INC. (PA)

The problem is with fraudulent charges that were made on my Ally XXXX  acct. ending in XXXX, in XXXX, XXXX, for {$14.00}, {$21.00}, {$19.00}, and {$18.00}, totaling {$73.00}, and on XX/XX/XXXX for {$19.00}. 

The charges were made by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX All of them were unauthorized by me and were done without my knowledge by someone who hacked into my account. As such, they are FRAUDULENT. 

However, even after several phone calls made to Ally representatives, including the XXXX Department, on XX/XX/XXXX, when I first discovered the charges, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Ally Credit Card never treated them as fraudulent and never even removed them from my account, even if the representatives promised that they would be removed. I am not even sure that an investigation was even ever conducted, but I just received this letter from Ally, dating XX/XX/XXXX, stating that I indicated that I entered in some kind of membership, and that I should cancel it! These are all lies! I never said that. I always said that I do not know where these charges come from, and that I have no receipts and no way to contact the hacker. I can't believe that a reputable bank would even do such a thing as lieing, instead of trying to contact the hacker and/or resolve the matter otherwise! 
I can not cancel a membership that I never entered into ; a membership with someone who is unknown to me and whom I have no information to even contact ; a membership which I don't have any receipts or any other proof of purchase for, to refer to, otherwise! 
Therefore, the burden rests on Ally Credit Card, not me, to immediately remove the charges on my account and solve this matter as soon as possible. The fraudulent charges total {$92.00}. Can you help me in this matter? Thank you! 

P.S. I am attaching the XXXX letters which I sent to Ally Credit Card regarding this matter.
Consumer complaint received 2024-07-10
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. (MD)

I recently looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking for you to verify as accurate : XXXX  XXXX XXXX Account Number XXXX  XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion is on the repeat offender list per the CFPB The company did not comply with the new interpretation of the law and ensure the timely correction of this error.

Below is the letter sent certified mail and received by Transunion Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXX, XXXX. {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX from my credit report. 


As of XX/XX/XXXX per the Consumer Complaint Database there are showing {$28.00}, XXXX total complaints regarding inaccurate reporting of Bankruptcies between the dates of XX/XX/XXXX XXXX on the Consumer Financial Protection Bureau 's website.

The federal agency announced it was creating a public registry to help law enforcement, investors and the public check the history of repeat offenders in finance. The CFPB already offers consumers who have been victimized by a financial firm the ability to file a public complaint with the CFPB. The agency then quickly demands a written response from the alleged wrongdoer. Repeat offenders dislike the fact that these complaints go into a permanent database at the CFPB, which can be mined by the public, reporters, attorneys and prosecutors looking for patterns of fraud.

I did not dispute I sent notice to have the Missouri Bankruptcy removed from my credit report and Transunion responded that my address has been UPDATED I have attempted several times to have a bankruptcy removed from my consumer credit report. Transunion has deliberately refused to remove the bankruptcy. I have included the NOTICE posted on Transunion website regarding removing Judgments, Liens, Delinquent Child Support. Transunion is on the repeat data base per removal of bankruptcies. Transunion responded that my address has been UPDATED. The bankruptcy was not removed from my consumer credit report as required by law.
Consumer complaint received 2024-07-16
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (LA)

As a federally protected consumer, I am highly disappointed and unsatisfied with Jefferson Capital Systems , LLC. My name is XXXX XXXX and I am making this complaint against Jefferson Capital Systems , LLC for committing identity theft. I have no recollection of authorizing or giving Jefferson Capital Systems any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Jefferson Capital Systems and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XXXX XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Jefferson Capital Systems any right to collect on this alleged debt. I have also never received any documentation requesting validation from Jefferson Capital Systems before they decided to commit multiple federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by furnishing this alleged debt to my consumer report ; including, but not limited to, 15 USC 1692d ( 4 ), which the FTC recognizes as DEBT PARKING. If Jefferson Capital Systems can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Jefferson Capital Systems can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Jefferson Capital Systems continues its collection efforts, I will file for arbitration and Jefferson Capital Systems will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant XXXX XXXXf. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-06-12
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: EQUIFAX, INC. (VA)

Now comes Consumer with a Complaint against all 3 Major ( CRA ). First of all, Consumers data was leaked in the 2017 Equifax data breach. Equifax never notified consumer of such actions. Consumers has proof that all 3 ( CRA ) has failed to correct information in his Credit report. I am submitting this complaint to report unfair and deceptive practices in credit reporting in violation of 15 U.S.C. 1666. this complaint is towards all 3 CRA . The ( CRA ) 's related to my credit report. The CRA has failed to : Provide accurate and complete information in my credit report. Conduct a reasonable reinvestigation of disputed information correct or delete inaccurate information provide clear and conspicuous disclosures of my rights. these violations have caused me harm and constitute unfair and deceptive practices in credit reporting as prohibited by 15 U S C 1666.I request that the CFPB take appropriate action to : Investigate this dispute/Complaint hold the CRA accountable for their violations Require the CRA 's to correct my credit report and provide a copy to me take measures to prevent future violations. Please acknowledge receipt of this dispute/Complaint and provide a reference number. I appreciate your attention to this matter and look forward to your response.
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

Dear XXXX, I am writing to inquire about the status of my Notice of Borrower Defense Discharge Approval for my federal loans. I attended XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which has been found guilty of misconduct and fraud. I understand that the Federal Student Aid ( FSA ) office is supposed to automatically send this notice to borrowers who attended this school. 

My girlfriend and many others, who attended the same institution, has already received her Notice of Borrower Defense Discharge Approval. However, I have not yet received mine. This discrepancy is concerning, as I have not been informed of any issues or delays specific to my case. 

Given the circumstances, I am eager to understand why I have not yet received this important notice and to ensure that my federal loans are being handled appropriately. The delay in receiving this notice has caused significant XXXX and uncertainty regarding my financial situation.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL (MD)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : Response to CFPB Case XXXX Request for Debt Forgiveness Dear XXXX, Thank you for your prompt response to my concerns and for providing the requested information regarding my PayPal Credit account XXXX in XXXX. I appreciate the transparency and the documents youve shared, and I understand the position Synchrony Bank is taking in this matter. 

While I acknowledge the account was opened and that I hold responsibility for the transactions reflected, I want to reiterate my request for debt forgiveness due to my ongoing financial hardship, which was significantly worsened by the COVID-19 pandemic. Since the start of the pandemic, I have faced severe financial challenges, including a prolonged period of unemployment, which has left me unable to meet my financial obligations. As a result, even basic living expenses have been difficult to manage, let alone my outstanding debt. 

I fully understand that Synchrony Bank has charged off my account ; however, I am asking you to reconsider my situation and explore any possibility for partial or full forgiveness of the remaining balance. Forgiveness of this debt would provide crucial relief and help me work toward regaining financial stability. 

If full forgiveness is not possible, I would be open to discussing alternative payment options that are more feasible given my current financial situation, such as a reduced lump-sum payment or a more flexible payment plan. 

I truly appreciate your attention to my request and your continued willingness to assist me during this challenging time. I look forward to hearing from you soon regarding potential options. You can reach me at [ your phone number ] or [ your email address ]. 

Thank you once again for your understanding and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC. (OK)

I purchased a XXXX ram XXXX from XXXX XXXX XXXX using Exeter finance llc for {$30000.00} with {$10000.00} down I decided to refinance through XXXX. I requested a payoff quote from Exeter and received it promptly then forwarded it to my bank. A cashiers check pay to the order of Exeter finance LLC for {$21000.00} was mailed to the po box listed on the payoff quote on XX/XX/XXXX and was cashed on XX/XX/XXXX at XXXX XXXX. Exeter finance claims that they never received the check. I have contacted several departments at Exeter finance with my bank on conference call with no resolve
Consumer complaint received 2024-07-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AL)

This card was purchased in early XXXX ( Don't have the exact date ). I tried to use the card at XXXX XXXXXX/XX/XXXX. The company ( XXXX ) locked the card and I couldn't make my purchase. When I called in, they said they'd need to issue a new card. 

The new card arrived via XXXX. I open the sealed envelope and activated the card via phone. Soon as I tried to activate the card, I discovered the NEW card was locked -- this was just after activating it and never using it. 

I called back on XX/XX/year>, and they promised they would send me a check for the balance on the card ( {$500.00} ). They informed me this could take up to XXXX weeks. 

Today, XX/XX/XXXX, I still haven't received the check so I call. They now say I must submit the front and back copy of the card. Then after that is received, it will be XXXX weeks before a check is mailed. At no time was this information asked of me prior to this. 

So now I must wait XXXX additional weeks -- that is if this past representative is to be believed. And at this point, I no longer believe any of the promises they are giving me.
Consumer complaint received 2024-07-11
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: CITIBANK, N.A. (MD)

Dispute of 2 charges frpm merchant XXXXXXXX : {$110.00}, {$13.00} Attached is letter I sent to Citibank Credit Card Dept.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (ID)

Chime closed my account without notice. I was disputing a charge from an unknown person from XXXX that used XXXX XXXX to withdraw funds without my permission, in fact I didnt even know her. While it was being disputed they closed my account and sent an email stating I am not eligible for a refund. I had XXXX dollars in the account. I called and they wont give me any info or tell me what happens to my balance. They accepted a deposit the same day they closed my account.
Consumer complaint received 2024-07-13
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: GOLDMAN SACHS BANK USA (CA)

I will continue to open up rhis complaint until i receive proof of signatire that i received the package in dispute from XXXX XXXX. I am not responsible for packages left as that shows no PROOF that i received a package and i will Not be held responsible For a package That had a picture taken of The package. One could take a pictire and then take a package as im Not insinuating that happened but i am Implying fhat does Not prove j received the package. 
I am Not paying XXXX a Packabe that i dkd Not receive and you have Showed me nothing as i Am Requiring a sugnature of Myself Or someone i have authorized to sign for my package. You have Failed To provide me that and you are holding me accountable versus XXXX XXXX who needs to require that to ensure all packages are received by recipients. 
PLEASE PROVIDE ME SIGNATURE PROOF OF DELIVERY BY ME OR SOMEONE I HAVE AUTHORIZED TO SIGN FOR MY PACKAGES THIS IS MY LAST ATTEMPT IN REQUESTING THIS INFORMATION.