davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I am writing to lodge a formal complaint against Citibank regarding the abrupt and unexplained closure of my savings account, and their subsequent refusal to release my funds or provide a clear explanation for their actions. 

On XX/XX/2024, I opened a savings account with Citibank, prompted by several solicitations from the bank itself. Following the opening of my account, I transferred {$120.00} from my XXXX account to my new Citibank savings account. It was not until XX/XX/2024, when I received an ATM card, that I was able to access my account online. The following day, I made a test transfer of {$50.00} back to my XXXX account to understand the transaction times involved. 

On XX/XX/2024, I transferred {$7500.00} from my XXXX account to my Citibank savings account, for which I received a confirmation email. However, the very next day, I discovered that my access to my account had been blocked without any prior communication from Citibank, whether by mail, phone, text, or email. 

Upon contacting customer support to inquire about the situation, I was met with a refusal to provide any details about the matter, with the only explanation being that Citibank had decided they no longer wished to have me as a customer. This was attributed to matters handled under their fraud prevention measures, yet no evidence or specific reasoning was provided. When I inquired about the return of my funds, I was informed that it might take up to XXXX days, a time frame that is both unreasonable and unsupported by any clear policy or explanation. 

This lack of communication and the refusal to engage with me on the matter has left me feeling unjustly treated and suspected without cause. The funds in question are rightfully mine, and the abrupt denial of access to them without a clear and justifiable reason is not only distressing but also potentially detrimental to my financial well-being. 

I kindly request the intervention of the Consumer Financial Protection Bureau to assist in resolving this matter. I seek a full explanation from Citibank regarding the closure of my account, immediate access to my funds, and assurance that such incidents do not recur in the future to myself or other customers. 

Thank you for your attention to this matter. I am willing to provide any further information or documentation as required.
Consumer complaint received 2024-01-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cottonwood Financial Ltd. (OK)

I was contacted by a debt collection company named XXXX. It was concerning a loan, I believe she said from 2016 for around {$700.00} and the loan company is called the XXXX XXXX and the current balance is a little over {$1000.00}. I googled the XXXX XXXX and sent them an online message concerning this but have not heard back from them at this time. I believe the debt was paid years ago and this is a scam. Thank you for any assistance you can provide me on this matter.
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (MO)

Company provided my personal information to another company without my knowledge or consent. company refuse to provide requested information to validated debt with in 30 days per the fair credit reporting Act FCRA and the credit Breau refuse to remove off credit report after several desputes and after I told them I'm not getting the requested information to validated the debt along with contract with my signature with in 30 days per the Fair credit reporting Act FCRA.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

By far, Bank of America is the worst bank ever. I deposited four checks on XX/XX/XXXX into my business account in time for them to clear on time for payroll and purchases, only to find out that Bank of America placed 10-day holds on every single check I deposited. Four different customers and four holds. Needless to say, their actions have caused undue hardship for my business and employees. When I contacted the bank, the clueless rep repeatedly said that the holds were placed to protect me since they had reason to believe the checks would not be honored. Really? Three of the checks were from repeat customerstotal XXXX XXXXXXXX. I will take my business elsewhere as soon as my funds are available.
Consumer complaint received 2024-03-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (NY)

Dear credit bureaus and consumer reporting agencies I did open this account ACCOUNT NAME : ALLY FINANCIAL ACCOUNT # XXXX the original balance reported as XXXX then the balance was recently updated to XXXX this in accurate reporting on a federally consumers profile and must be removed 15 USC 1681b & 15 USC 1681 c-2 I have been disputing this account for over year. This fraudulent reporting is holding my school plans and my profession career and ultimately my livelihood to be provide and protect my family. I have made 3 rd identity theft with the FTC ( federal trade commission ) I ask humbly to all consumer reporting agencies that receive my now 5th complaint may you by law remove this fraudulent account. Thank you
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (TX)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 2024-04-04
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. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (NJ)

My issue started back in XX/XX/2023 when my income was declining and I missed my mortgage payment, after contacting Shellpoint Mortgage for a repayment plan I was advised to send documents for several months, first I was advised by them that I did not qualify and I had to apply for a modification. I have been sending them documents for 5 months and every week they come up with a new list, the Rep. from Shellpoint does not do a complete review of my application and keeps adding new items to set me up for a failure, I have been advised that they have a complete file and now I just received a new list asking for documents that I have provided from day. I feel discriminated by Shellpoint Mortgage on process of my request.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX has a fraudulent account on my transunion credit report, this account sss open in my name from information that was leaked on the dark web, I am a victim of identity theft and fraud, this account needs to be removed immediately, Ive already disputed this account, XXXX is changing accounts numbers and constantly trying to collect on an illegal account that does not belong to me please remove this account from my report
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (VA)

Dear CFPB, I am writing to you to bring to your attention a violation of the Fair Debt Collection Practices Act ( FDCPA ) by a debt collector. As per 15 USC 1692g, I have not received a proper validation notice from the debt collector. The notice provided to me fails to meet the requirements outlined in the FDCPA. 

When the debt collector first contacted me, they did not provide me with a validation notice as required by 15 USC 1692g. Instead, they simply demanded payment for an alleged debt. The letter I received from the debt collector only contained the amount of the alleged debt, the name and address of the creditor, and a statement that I had XXXX  days to dispute the debt, but it did not include a clear statement of my rights under the FDCPA nor the steps I need to take to dispute the debt. This is a violation of my rights under the FDCPA. 

I am requesting that you take immediate action to ensure that the debt collector is held accountable for their actions. I would like for them to be required to provide me with a valid validation notice and remove any negative credit reporting until they have done so. Additionally, I would like for them to pay any damages that have resulted from their actions. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (CA)

I initiated a money transfer with Sendwave on XXXX/2024XX/XX/year> @ XXXX for {$620.00} but the transfer was NOT DELIVERED but they placed a hold on the funds with no explanation why the transfer was cancelled. I had not reached my daily limit and the wallet where I was sending the funds had not reached the daily limit. I assumed it was a technical issue and they should be able to straighten it up. 

I initiated another transfer with Sendwave on the same day XXXX/2024XX/XX/year> @ XXXX for {$740.00} and they went ahead and the transaction again and placed a hold on the funds with no explanation why the transfer didn't go through. Now they were holding {$1300.00} which I could not transfer with another service for a few more days. 

I called their customer service ( the worst there is ), they couldn't tell me why the funds were not transferred and they couldn't release my funds immediately. I requested to speak to a supervisor and I was told I couldn't talk to one but they can call me back after 24hrs. 

I initiated a chat on their APP to try and get my funds released so that I can use another service to transfer the funds since I had some business transactions to take care of and they wouldn't help either. Now my bank is holding {$1300.00} courtesy of Sendwave but Sendwave can not issue an instant reversal after cancellation. I have to wait for 3-7 days for the bank hold to eventually be released. 

Their transfer APP did not generate any error, I never got an answer why the transfer failed and now I am temporarily out of {$1300.00} that I was going to use for a business transaction. XXXX ( Their Competitor ) credits funds immediately there's a technical glitch, Sendwave does not care and their customer support is useless and clueless.
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Today as i was checking on my credit report i noticed items that i have never been a consumer of or gave anyone written permission to use my information to take anything out. 
Portfolio Recovery Assosiates is listed as one of these items {$330.00} I am here today asking for VERIFICATION, my original signature of contract or agreement with the company listed above. 
Please note that the company listed above does NOT have a license to do business in my residing state, XXXX
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (WA)

I have alleged debt with hunter warfield. I had mailed them a letter and they returned it to me. now they are calling everyone in my family to threaten me. the letter was to verify the alleged debt failed to respond. I have the letter they sent back to me. they will not send me any information that I have requested.
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

On XX/XX/XXXX we paid {$3100.00} for property taxes on the property in question. This in fact was an extra payment by our mistake because the mortgage company is supposed to pay property taxes by contractual obligation since the mortgage opening. We called several times to ask for a refund of our payment. The representatives asked for more time and proof of this extra payment. We send the proof and waited for another month and a half. 
Finally, today, after I called XXXX they explained that they are returning only one third of our extra payment and the rest was applied to escrow. because of increase of insurance premium. 
This in fact is inaccurate because our insurance premium increased by {$75.00} since XXXX XXXX  and we have been paying this difference ( even a bit higher- {$76.00} ) since then. Previous monthly payment was {$660.00}, which in XX/XX/XXXX was raised to {$740.00} - exactly the difference between old and new insurance premiums. 
We have been paying our monthly mortgage dues on a regular basis, never missed a payment! Grabbing to some extra payment, we send by mistake, does not constitute a legitimate transaction. We need full refund ASAP!!!
Consumer complaint received 2023-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear PayPal Support Team, I am writing this complaint to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed on my account by mistake and that I have not violated any PayPal policy. 

As a loyal PayPal customer for many years, I have always used my account in accordance with PayPal 's policies and regulations. Therefore, I was shocked to learn that my account had been permanently limited. 

I would like to kindly request that PayPal re-investigates my case and restores my account if possible. I am confident that upon further investigation, PayPal will find that my account has been unjustly limited. 

Furthermore, I would like to emphasize that the email address on my PayPal account is XXXX. I kindly ask that PayPal communicates any updates or further information regarding this issue to this email address. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

XXXX XXXX XXXX has sent XXXX different collections accounts to my credit report for the same amount of {$1300.00}. This has happened XXXX different times already and I have disputed the debt with the credit bureaus. I tried calling XXXX XXXX XXXX  and they were unable to provide additional information since I am not the account owner. This happened XXXX different times already. My current phone number is ( XXXX ) XXXX. Please update your records accordingly.
Consumer complaint received 2024-04-04
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. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

XXXX XXXX is a scam company. They are selling items on XXXX which do not do what is guaranteed. I filed a dispute with PayPal to recover my funds and I am being given the runaround. I use PayPal because if an item is not as described, I should be able to recover my funds. Unfortunately, this has not happened. Furthermore, XXXX XXXX has threatened not to refund 50 % of my money if I escalated the claim. PayPal charges for buyer protection, but has not resolved the issue. The product is not XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Advantage Credit, Inc. (MD)

On XX/XX/2023 Advantage Credit , INC reported to hard inquiry to XXXX. I recieved an alert about it. I called the company and asked what this is about. This company is based in XXXX, USA. They mentioned that someone tried to open a new credit card line in my name. I informed them that it was not me and requested them to remove the pending status. The closed my account that was created earlier, but the hard inquiry is still on my credit reports on XXXX. I request to remove the hard inquiry with immediate effect.
Consumer complaint received 2024-04-04
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. (FL)

I did a review of my credit report and noticed that I had late payments on an account and I have never been late according to the credit reporting agencies and they have assumed a vital role and responsibility of submitting consumer information to the maximum accuracy. I have never been late in payment of this account XXXX XXXX XXXX XXXX please investigate and provide proof of status showing that these payments are late, if proof can not be provided I demand that this payment be updated in a timely manner, because I I have not been behind on this account. thank you.
Consumer complaint received 2023-12-22
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: JPMORGAN CHASE & CO. (CA)

Credit Card fraud department isn't resolving a dispute I made about my card wrongly charge on XX/XX/2023. I have disputed several times and no one is calling me or letting me know what is going on. Every time I have called they just tell me they are going to investigate and it has been about XXXX  months since I made a dispute. I need they credit me interest I have pay due to transaction.
Consumer complaint received 2024-01-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

In XX/XX/XXXX, I began receiving calls and voicemails from an unknown number stating there was a " personal business alert '' from XXXX and that I should call XXXX XXXX XXXX XXXX to speak with a representative. Due to the cryptic and repetitive nature of these calls and voicemails, I assumed it was a scam attempt and decided to not interact further. 

Then in XX/XX/XXXX, I checked my credit report because I was going to start looking for apartments soon. I saw a significant drop in my XXXX XXXX from XXXX in XX/XX/XXXX to XXXX, where it sits currently in XX/XX/XXXX. I was befuddled, and saw a notice that said there is a presence of a XXXX  public record or collection. I then made the correlation that I began receiving cryptic phone calls and voicemails in XX/XX/XXXX and my credit score began XXXX  in XX/XX/XXXX. 

On XX/XX/XXXX I decided to call the XXXX XXXX XXXX XXXX number given in XXXX 's voicemails and attempt to get to the bottom of this. I then spoke with a XXXX  who told me that XXXX was attempting to collect a {$150.00} rental debt from my previous apartment complex XXXX XXXX. 

I had moved out of XXXX XXXX in XX/XX/XXXX. I then moved into my current apartment in XX/XX/XXXX. When I moved out I did provide XXXX XXXX with a current and valid forwarding address. 

I then told the representative from XXXX that this phone call was the first time I was ever notified that I had a outstanding debt with Fairways XXXX. I also told the representative that I had never received any formal written notice from Fairways XXXX or from XXXX of this rental debt. I told the representative that I provided a valid permanent address to XXXX XXXX. The address I provided them is my permanent address where I have all my important XXXX  sent. 

I then paid XXXX for my outstanding {$150.00} debt, because I wanted a swift resolution to the issue that was severely affecting my credit report.
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

Jefferson Capital does not have business with me. I do not have a purchase agreement or contract with this company, and they are fraudulently reporting transactions on my credit report, negatively impacting my creditworthiness. They have called me multiple times to collect a debt and I have requested they provide me with proof of contract or the purchase agreement showing I have full ownership of such account so I can verify this debt as correct and true. They have failed to do on multiple occasions but continue to report on my consumer file.