davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I noticed a balance transfer ( check ) on my account for {$3000.00} dated XX/XX/XXXX on my XX/XX/XXXX credit card statement from Citibank. There was also a {$150.00} fee for said transfer. 

Contacted Citibank and they said they would have to start an investigation and that it may take up to 90 days but they would contact me as soon as they had a resolution. Two years later I have not received a call from Citibank about the matter. 

The following month, I saw on the XX/XX/XXXX statement that the {$150.00} fee had been refunded, so I thought Citibank had taken care of the situation ; however, every month a " Interest Charged to Balance Transfer '' fee is added to my account. Here is a list of the amounts I have been charged since XX/XX/XXXX : XX/XX/XXXX {$14.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$13.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$13.00} XX/XX/XXXX {$13.00} XX/XX/XXXX {$12.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$11.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$33.00} XX/XX/XXXX {$32.00} XX/XX/XXXX {$36.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$29.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$21.00} I called Citibank several times to get this issue fixed. It seems to me like the representatives on the phone are overwhelmed by how complicated this is because they have a hard time comprehending the situation, they are never able to see previously initiated investigations and I always end up being transferred from one department to the other until I either get hung up on or I'm told that they would have to start an investigation and that it may take up to 90 days but they would contact me as soon as they had a resolution... and nothing happens. Then I found myself calling Citibank again and going through the same process again to no avail.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, I have a good credit limit across all my cards but except with capital one. 
Despite paying each month in full they never increased the limit. 

Capital one bank is one of the worst bank in the country and their algorithm to approval for the consumers is really strange. 
They abuse the customers by bucketing and charging high interest.
Consumer complaint received 2023-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (SC)

Noticed four items on credit report for LVNV Funding - I have never opened an account with LVNV Funding LLC, that they are saying I opened XX/XX/2022. Did try disputing with credit bureaus - no luck.
Consumer complaint received 2024-05-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CT)

Dear XXXX I have received several mailed letters with a lab bill of {$850.00} for a XXXX XXXX XXXX XXXX tests alongside XXXX from " XXXX XXXX ''. These were all ordered by XXXX XXXX as part of their health plan, of which I am a member. I have never had to pay for tests like these since they are fully covered by my plan and I have reconfirmed this with XXXX XXXX. Additionally, I have not received any email nor phone call from " XXXX XXXX '' either, just these letters. These letters where, by the way, sent to an old address in another state. Moreover, given these letters are redirecting me to an external website to pay, not " XXXX XXXX '', I believe this might a scam or fraud attempt. 

I want to reiterate that I don't believe this bill to be right or proper. 

The info contained on the letters state : Invoice # XXXX Account # XXXX In addition to all of the above, I received several letters, also addressed to an a place I haven't lived in for years, from " Credit Collection Services '' stating they are a debt collector working for " XXXX XXXX ''. The amounts they claim in these letters are different than the ones from " XXXX XXXX ''. They mention an amount {$330.00}. These letters also redirect me to another external website, not related to " XXXX XXXX ''. This all reeks of scam. 

I have contacted " XXXX XXXX '' via their website messaging form. I would also like to mention that it has been *impossible* to get somebody on the phone. This is not an exaggeration. I have spent several hours trying to talk to " XXXX XXXX '' to no avail. 

I want to additionally reiterate that I have never, ever visited a XXXX XXXX lab in the US if it hasn't been ordered by a university doctor or PA under a university healthcare plan.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime (MO)

PURCHASED A VEHCLE FROM DRIVETIME XX/XX/XXXX THE VEHICLE WAS REPOSSED IN XXXX DRIVETIME REPOSSED THE VEHICLE AND CHARGED IT OFF. DRIVETIME THEN STATED THAT THE VEHICLE WAS SOLD AND THAT IM LIABLE FOR THE REMAINING BALANCE. THE LOAN CONTRACT FOR THE VEHICLE WAS A PERK FOR CONTRACTING WTH DRIVETME ( ASSET SWAPPING ). I PROVIDED A DOWN PAYMENT OF {$600.00} - I WAS QUOTED XXXX CASH PRICE! I ALSO UNKNOWINGLY GAVE SECURITY INTEREST TO DRIVETIME - WHICH I AM NOW ASKING FOR THE SECURITY INTEREST BACK! DRIVETIME IS PRIVATELY RESALING THE SECURITY TO DIFFERNT INSTITUTIONS. 
THE FINANCE FEE IS THE SUM OF ALL CHARGES. 
ALSO DRIVETIME RE-AGED MY ACCOUNT BY UPDATING THE LAST ACTIVITY ON MY CREDIT REPORT IN HOPES OF KEEPING THIS HARMFUL AND NEGATIVE INFORMATION LONGER ON THE ACCOUNT.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I canceled and closed my Capital one card last year due to being out of work and awaiting my XXXX. Capital one has sent me a total of 21 emails since XX/XX/24 to XX/XX/24. They are sending harassing emails every 3-4 days.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Fraudulent Account On Credit Reports. 

1. XXXX XXXX {$4800.00} 2. XXXX XXXX {$7100.00} 3. XXXX XXXX {$16000.00} 4. XXXX XXXX {$3100.00} 5. XXXX XXXX {$1500.00}
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (NY)

my credit report sent alert that my XXXX  XXXX  loan was reported 60 days late on XX/XX/year> which is wrong! XXXX I have a payment agreement and have not missed any payments. I verified my bank account and all payments have been made. All payments below were taking.l. I called XXXX XXXX and they claim they dont show any missed payments on my ACCOUNT. 
XX/XX/year> {$64.00} XX/XX/year> {$64.00} XX/XX/year> XXXX XX/XX/year> {$250.00} XX/XX/year> {$250.00} XX/XX/year> {$250.00} XX/XX/year> {$310.00}
Consumer complaint received 2024-07-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (IL)

This is a follow up on this claim XXXX. Since original claim, Citi has sent me multiple times forms to open an account, which I will not fill out since I do not want an account nor ever authorized an account. I have spoken with and sent via XXXX a repeat of my request that all XXXX fund be transferred to my existing IRA Rollover account at another institution. After many discussions, a supervisor, XXXX, tried to explain that the account is on hold until they get validation and the only way to get validation is to apply for an account. I asked for other means of validation since they did ask me all the questions ( SSN, Address, etc. ) to validate me and finally, after 7 weeks, was able to get an account number, but stood firm that I need to apply for the account before I can get any of my money. I would like the CFPB to prod Citi to provide alternate means of validation OR just follow my instructions and move the funds to my XXXX XXXX XXXX as requested. Thank you.
Consumer complaint received 2024-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I requested a school misconduct application from Navient as my federal loans were discharged through the Sweet v Cardona lawsuit. I filed it on XX/XX/year>, on XX/XX/year> I received notice from Navient that they couldn't read the faxed application so I resubmitted via email on XX/XX/year>. On XX/XX/year> I received a denial letter from Navient stating " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ". I would like a thorough explanation as to why my application was denied if my federal loans met the necessary criteria. 
Thank you
Consumer complaint received 2024-07-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had an 18 mos. CD at Capital One that matured on XX/XX/XXXX. On that date I renewed the CD on-line for 12 mos. at 5 % APY. When I checked my on-line account on XX/XX/XXXX I found that the CD had been rolled over for another 18 mos. At 4.45 %. 

I called customer service on XX/XX/XXXX and spent considerable time with XXXX and her supervisor, XXXX XXXX. They insisted that because I failed to renew the CD prior to its maturity it automatically renewed for another XXXX mos. and could not be changed unless I closed the CD now by transferring the funds to my savings account and opened a new CD for the term I wanted. This process would take 2-3 days and they could not guarantee the interest rate I wanted would still be in effect. I would also have to file new paperwork to put the new CD back into my trust. 

Please note that the Capital One website states under CD maturity options that : " Your 18-month CD matures on XX/XX/XXXX. You can renew your CD at either the same or a different termor move your money to another account when your CD matures. You can change your maturity plan or explore available options at any time before your CD matures. '' I have renewed other CDs with this bank always after the maturity date and have never had this problem. My understanding is that I have a 7-10 day grace period after maturity to decide what to do with the CD.
Consumer complaint received 2024-05-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KY)

XXXX XXXX charged off on the account with me owed XXXX in XX/XX/2023 and this whole account is fraudulent and by the the law we dont allow fraud so I want this account removed immediately from my credit report thank you or am going to report this to the commissioner
Consumer complaint received 2024-07-11
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: Self Financial Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Saint Louis Missouri Laws Dear SELF / LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in Saint Louis , Missouri.

It has unequivocally come to my attention that SELF / LEAD has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SELF / LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SELF / LEAD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF / LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

I am not liable for this debt with Citi bank. I can not open a bank account because of this inaccurate and unverifiable. [ 15 U.S.C 1681 ] due to the FCRA this account must be removed immediately.
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (IL)

I am writing to file a formal complaint regarding the actions of RECEIVABLE MANAGEMENT in relation to an alleged debt they claim I owe. Despite numerous requests, RECEIVABLE MANAGEMENT has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection entry on my consumer report. Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is evident that RECEIVABLE MANAGEMENT are violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). I dispute owing all debts to RECEIVABLE MANAGEMENT and demand that they cease all communication with me via email, text, or phone calls, as I am exercising my rights to revoke these forms of communication under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request that RECEIVABLE MANAGEMENT provide : 1. Debt validation, including detailed information regarding the alleged debt, the original creditor, the original account number, and any documentation supporting their claim. 2. The purchase agreement between RECEIVABLE MANAGEMENT and XXXX  XXXX. to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows RECEIVABLE MANAGEMENT to purchase this account and begin to report the debt to my personal consumer report. As well, I am requesting this contract between XXXX XXXX.and RECEIVABLE MANAGEMENT, because it will state RECEIVABLE MANAGEMENT purchased this debt with the knowledge of this account not being XXXX XXXX accurate as well as not following the XXXX bullet points of compliance that are in place by the XXXX, which threatens the integrity of the bureaus. As well please provide documentation of every individual involved from both parties. Include, names, emails, address, dates, and times of transactions and communication. 3. Furnish proof of licensing and bonding to operate as a debt collector. 4. A copy of certified mail receipt. I am unaware of this debt ; I did not properly have an opportunity to dispute this information. I did not receive proper communication. If in fact, if RECEIVABLE MANAGEMENT believes they have provided proper notification. I am requesting you provide the receipt of certified mail with my name on it as well as my signature stating that I have properly received this information
Consumer complaint received 2024-01-24
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. (GA)

Please See Attached Documents for additional information that was requested by the Credit Reporting Agency. 

Enclosed Documents -Determination/Certification Letter -Trafficking In Persons Letter/Adverse Items -Passport ID -Federal ID -Bank Statement Credit Reporting Agency requested additional information to process block due to documents not being legible, 11 days after the 5 day deadline requirement, violating the regulation implemented for the Act. The Credit Reporting Agency have not implemented the proper procedures required by the regulation, giving victims the option to submit documentation online causing me the consumer no other option but to submit additional documentation through the CFPB, due to not having a stable address at the moment caused by this situation! Equifax also violated the law and submitted my trafficking documents to the credit furnisher which disagreed and said information was accurate when the credit furnisher never had any right to be disclosed my trafficking documents.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Mercury Technologies, Inc. (PA)

I noticed an unauthorized transaction made XX/XX/year> on my XXXX XXXX XXXX ending XXXX and promptly reported it to XXXX via their online dispute tool on XX/XX/year>. 

It took until XX/XX/year> for someone to acknowledge the complaint and ask me for further information about the unauthorized transaction. I replied with the information they requested and was told on XX/XX/year> that : " Upon review, Im afraid this situation does not fall within XXXX 's dispute policies. '' Despite XXXX XXXX XXXX for fraud covering such a transaction, XXXX is not taking action on the dispute. It's a known fact that XXXX does anything in their power to avoid dealing with disputes, and this is just one more situation where they've done just that.
Consumer complaint received 2024-07-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

Hello I had got my credit report from XXXX and seen that my report had 2 inquiries with Citi bank NA., Best Buy. This was a fraudulent I never authorized for this neither chain company to run my credit and I would like to get inquiries removed due to fraud. 
Citi Bank Best Buy on my credit report shows it ran my credit on XXXX and on XXXX
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

The same fraudster withdrew money twice even though I reported the fraud for the same person less than a week ago. Bank should block this fraudster after the initial complaint. 

XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (VA)

I want to close my Current account. It has {$0.00} in it. They said that I can not transfer the money out because it's less than {$1.00}. They said if I want to close the account, I either need to spend the {$0.00} or just close it and forfeit the {$0.00}. This seems predatory.
Consumer complaint received 2024-07-11
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: Innovative Funding Services, L.L.C. (OH)

I am writing to formally address the breach of contract related to the auto finance agreement facilitated through your services TRESL. This letter serves as a comprehensive demand for compliance and remedies due to the failure to fulfill the obligations as outlined in the finance agreement, specifically referencing the my original complaint document and the response from XXXX XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2024-07-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (MD)

A lawsuit will be filled next week.So they have to obey the subpoena and give me the documents Im requestingThey didnt give what I asked for in the last complaint.I will be contacting the Attorney General today too My report says I owe $ XXXX.I want the history for this accountThey have me owing $ XXXX.I want the History of this account I want all statements.I will send the attorney a copy of the lawsuit next week