davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I am writing to bring to your attention a serious matter involving bank fraud that I have recently experienced. Good evening, last year Citizens bank got hacked for thousands of dollars from people accounts. The exposed personal information could be exploited for identity theft, leading to various fraudulent activities. One of the accounts was mine. I have a saving account that has a total amount of {$9100.00} when I went to check to remove my money a few months ago the teller than proceeded to tell me I had a account balance of {$390.00}. I than asked her to print out all statements. She advised me to contact customer service to claim fraud on my account. I provided all necessary information, including transaction details, account statements, and any other requested documentation. However, despite multiple follow-ups, the bank has not taken appropriate action to investigate and rectify the situation. 

After 45 days of waiting for my money and numerous of calls to the claims department I was told I was refunded {$5000.00} but the other {$3800.00} was not going to be refunded because it was over 60days. This is a saving account that i never use nor did i ever receive any letters regarding money was taken out. I put my money and trust in Citizens not have my hard earned money robbed from from. I called and spoke to manager last week on Tuesday XX/XX/XXXX she told me to was going to expedite my claim and have my money sent back to me in 2-3 business days. I checked with the bank of Monday XX/XX/XXXX and there was no money deposited. I am lost at all words I honestly didn't know the 60 days limit to report fraud. 

These transactions were not initiated or authorized by me, and I immediately contacted the bank to report the fraudulent activity. The unauthorized transactions have caused financial distress and inconvenience. I am concerned about the security of my account and the potential for further fraudulent activities Below is the transactions was taken out. 

I appreciate your prompt attention to this matter and request your assistance in ensuring that the necessary steps are taken to investigate and resolve the bank fraud. I trust that your intervention will lead to a fair and satisfactory resolution. 

If you require any additional information, please do not hesitate to contact me at XXXX or XXXX XXXX XXXX Thank you for your time and assistance. 

Sincerely, XXXX
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

Citi Bank is offering a cash bonus for opening a checking account between XX/XX/year> and XX/XX/year>. The terms require you to fund your account within 20 days of account opening, make a qualifying deposit of {$5000.00} or more in New-to-Citibank funds to eligible accounts and maintain your balance XXXX consecutive calendar days after the funding period. 

Following the account opening on XX/XX/year>, with a substantial deposit made on XX/XX/XXXX, I promptly reached out to Citibank representative XXXX XXXX on XX/XX/XXXX after not receiving the bonus. Despite assurances from XXXX, the promised bonus remained elusive. 

Subsequent attempts to resolve the issue included a voicemail left on XX/XX/XXXX and further correspondence on XX/XX/XXXX, where XXXX promised to submit a request to address the matter. However, subsequent follow-ups on XX/XX/XXXX and XX/XX/XXXX revealed that no such request had been made, contrary to XXXXXXXX XXXX assurances. 

Disheartened by the lack of progress, I escalated the matter by contacting Citibank 's toll-free number on XX/XX/XXXX, only to discover that no dispute had been initiated by XXXX, despite his claims to the contrary. This disconnect between XXXX 's promises and the bank 's records only added to the frustration. 

Despite continued attempts to seek updates and resolution, including text messages and voicemails on XX/XX/XXXX and XX/XX/XXXX, XXXX has remained unresponsive. 

This ongoing issue not only highlights the breakdown in communication between Citibank representatives and their customers but also underscores the importance of timely and accurate follow-up in resolving customer concerns. 

Based on the terms of Citi Bank 's promotional offer and the amount deposited into the account, a cash bonus of {$750.00} is due.
Consumer complaint received 2023-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capital Alliance Financial, LLC (MI)

Good Afternoon, My name is XXXX XXXX and I'm a Michigan resident. I want to file a complaint and federal charges against Michigan State IRS. I receive XXXX and I filed a renters rebate with XXXX XXXX in XX/XX/2023. The Representatives for Michigan IRS have been discriminating against me. Every time I call them they make XXXX comments and held up my refund. I filed in XX/XX/2023 and in XX/XX/2023 they informed me that an unknown entity was garnishing me refund. When I asked for a copy of the Garnishment they refused to mail me a copy. I called the court that issued the Garnishment approval. The clerk informed me that I did not have a court date for the approved garnishment or a notice of service. 

I don't know how the lawyers got a garnishment without a court date? I asked the clerk to provide the address where I should have been served a notice of Garnishment with the court date and she said there isn't one. I called the Michigan IRS back and they said the lawyers don't have to follow the steps to obtain a garnishment. I don't know how they knew I was receiving XXXX?? The refund is {$1600.00}. It's not about the money. It's about their XXXX practices and the mission to try and oppress me because I'm not XXXX. 


I want my refund. They have no right to steal. They engage in criminal practices in order to enforce their agenda to oppress people that look like me. They stalk my social media, emails, and text messages. They're so miserable and wicked. Can you release my refund. I have places to go and people to see. My number is XXXX. I think they put spy ware on my phone to listen to my conversations. They always want to know what I'm doing XXXX XXXX  days. It's so sad and pathetic. My patients is running low. I will look forward to a response and a resolution ASAP at your earliest convenience. Thank You XXXX XXXX
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (LA)

Enhanced Recovery Co L at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the about of {$100.00} the collection has been reported as past due. I do not know this company. This company does not have a contract with my signature.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (PA)

I contacted XXXX XXXX ( dba Credit Karma ) on XX/XX/XXXX seeking an explanation for dispute being denied. For reference the dispute was regarding software purchased from XXXX XXXX. The software appears to be missing files so it is not usable. I contacted the merchant ( XXXX ) and the third party seller ( XXXX XXXX ), neither responded beyond a link to self help troubleshooting ( which did not work ) and says to contact support if troubleshooting does not work. Still Credit Karma denied my claim and sent the denial letter to my former employer, whose address has never been on file with my personal checking account. 

When I reached out to Credit Karma support I was told the disputes dept is a separate dept with no means of being contacted. This 'investigation ' took 40 min and during that time I was told I needed to respond to emails requiring I upload photos of my id and me holding the id, 3 times in 40 mins with the same agent. When I asked about this, the call was disconnected. After a few tries I got back to a person and was told my account was now locked and they can't help me until it is unlocked. I asked why and was told, again the dept that handles this has no contact and will send an email when they review my account, 5 days later no email. I have called to request the email be resent and I was told continuing to contact support would further delay my account being unlocked. During this time I have no access to my money, no way to transfer or withdraw, deposits can't be received and I can't close the account. 

This interaction has been so distasteful I attempted to delete my account with all XXXX products ( XXXX, XXXX, XXXX, XXXX and CreditKarma ). After contacting each company individually I was repeatedly told my account can't be deleted due to the hold on my Credit Karma checking account. Which seems unlawful given the fact that I pay for a membership to these sites. Not to mention my bank attempting to withhold access to unrelated services from completely separate companies seems a broad overstep.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Foursight Holding LLC (MO)

FOURSIGHT CAPITAL LLC XX/XX/2024 Every other month, it goes to XXXX balance to a XXXX balance it did this XXXX times charged off at XXXX and then put back at XXXX back-and-forth like theyre playing with my credit score. The account was charged off incorrect balance. Keep going from XXXX to XXXX they keep reporting it back-and-forth
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I had my credit pulled for a vehicle loan. In my report there was a delinquent payment being shown on a XXXX credit card from XXXX and XXXX XXXX XXXX. I disputed this with Experian, and also contacted XXXX. Experian did not fix the error, and XXXX claims to have no history of my account EVER being delinquent. Experian claims that they investigated this, but if they had, XXXX would have shown them that there is no delinquencies on my, now closed, credit card account. It would actually show that XXXX returned to me an overpayment of XXXX XXXX, when this account was closed. Therefore, my credit was negatively impacted over a fraudulent report from the credit bureau.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (RI)

I started a dispute against netspend on XX/XX/year> letting someone into my saving account and taking my money to the sum of {$9300.00} they admitted the error and said they would reimburse me but it would be XXXX to XXXX. After that got back to them and asked were is my money they said they put back in my account buti can't get my account the hackers lock me out and my money was gone again. I started another dispute and won I called them to send me a check instead of putting it in my account which I can't get into and they said they would XXXX weeks later no check, I believe they were lying to me about sending me a check from day XXXX. I have about XXXX emails from them and XXXX with all the charges they stole from my saving that no one suppose to get into but me. My account number XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC (DC)

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. 



In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State.

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

Dear Customer Care, I received a letter in my office from Kimball, Tirey & St John LLP asking me to pay a debt amounting to {$40000.00} to XXXX XXXX  btw This company is a debt collector. I never know this person by the name of XXXX XXXX. 

The mail was mailed to this address at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX address to my name. I never owned this property before, nor did I purchase it before. 

Regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, California, XXXX
Consumer complaint received 2024-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (WV)

Explained to each company I did not request credit with them and that they were supposed to contact me personally when a credit application was submitted as I have been through a situation similar to this before and my credit report states this.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AR)

At approximately XXXX on XX/XX/XXXX a transaction labeled " XXXX XXXX : XXXX XXXX XXXX XXXX '' took {$1000.00} out of my checking account. I did not approve nor make this transaction. Chime is the bank I use. I have filed a dispute. They tell me it's currently under investigation. I have just recently lost my Job and that money was for the 2 weeks of paid vacation that my company owed me for. I had to use it to pay my truck note and car note and energy bill. I was expected to have XXXX Dollars left to my name. Now I have XXXX $ left to my name because someone authorized the transaction of {$1000.00}. I am in dire need of my money. I have a family to support and am currently having to stress about getting my job back or find another. This money was supposed to support us until I go to my XXXX XXXX to fight for my job. Now I can't afford to travel to fight for my job. Please help me.
Consumer complaint received 2024-05-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: GUARANTEED RATE INC. (FL)

I requested the stated information on XX/XX/XXXX and KBHS has still not provided it to me, even after several follow up calls and emails over the last week.

KBHS XXXX XXXX also admitted to me over the phone that since I did not qualify for the primary home loan, as this property is my primary residence, that KBHS wanted me to make fraudulent statements for applying for a secondary home loan ( investment loan ) option. They stated that because there was another path forward, they would not provide me with a denial letter so that I could receive builder credits and move forward with another lender. Their path forward would have me willingly accept a rate 1.6 % above the market rate at the time the initial application was sent forward to underwriting. 

I am also submitting complaints to the XXXX and the VA. KBHS is in clear violation of the Equal Credit Opportunity Act by not providing me with the requested documents in a timely manner, and they have stated that they will not release them to me without a subpoena. 

My original application was a VA XXXX XXXX for a primary residence and I was unable to provide documentation that I could work remotely from my job in Texas ( moving to Florida ). This is a clear denial of the application that states I am applying for a primary residence - never an investment property. 

Thank you for your time.
Consumer complaint received 2023-09-18
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. (FL)

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-28
Product: Credit card or prepaid 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. (NJ)

In XX/XX/XXXX I received a Best Buy card in the mail which I had not applied for. I immediately called the company who owns the Credit Card, Citibank, and explained I had not opened the card & did not charge anything on it. They immediately shut down the card, but did not take care of the fraudulent charges to the card. I keep getting notifications that I owe money to them, but I do not since I did not open or charge anything to card. I found out through Best Buy that the purchase was made online on XX/XX/XXXX for an XXXX XXXX and picked up at a the XXXX Best Buy store, which I have never been to. Someone must have used some sort of fake ID to pick up the product. Please help.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I took out a credit card with XXXX XXXX XXXX  for XXXX. I paid off the full balance of {$310.00} on XX/XX/22. They charged me XXXX for the same amount. I can provide bank statements to prove they charged me. When I called and told them I was charged XXXX they said they would refund me. They refunded me the money 2 months later but said I owed them for returning my money and will be charged fees. I called customer service repeatedly and was told they closed and sold the account on XXXX XXXX to a third party and to contact them. I called the Collector and they provided me with no contact information so that I may have my attorney send them a letter of representation. The customer service rep refused to give me any further information.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I checked my credit report and reached out to the creditor to remove this unauthorized charge off my account and they refused. I also sent them this. This creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC1681 Section 604a section 2 states consumer reporting agency cant furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (LA)

I noticed a negative charge off on my credit report in colllections to Exeter Finance LLC. This Debt is not mine and I called credit bureaus as well as filed with FTC and also wrote numerous letters to all above. This information is incorrect. Fraudulent claim.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Someone opened a credit account with CapitolOne in my name without my knowledge or consent on XX/XX/2024. I received a CapitolOne Venture Card on XX/XX/XXXX in the mail. I then called CapitolOne on XX/XX/XXXX to report the fraud, and they informed me the account had been opened with erroneous personal information, including a wrong date of birth. CapitolOne opened an investigation which is now ongoing. I have started freezing my credit accounts with the reporting agencies, and will be seeking to remove the hard inquiry that's now on my report.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

Portfolio Recovery Associates has continuously sent a XXXX  XXXX billing statement listing transactions of the XXXX XXXX instrument/product sold to me by XXXX  XXXX. Stating the billing statement is the assignment of debt.
Consumer complaint received 2024-03-17
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: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX, we activated our american express prepaid gift card. On XX/XX/XXXX, we tried to use it to make an XXXX purchase, however, it was declined. We also tried to use it to book an XXXX  stay on that same day, it was declined as well. However, the payment went through on the XXXX app while it was declined on XXXX and XXXX. So it seems that this card only goes through selective websites. We called customer service on XX/XX/XXXX, and they were no help! They told us to try using the card elsewhere when its clearly stated that This prepaid American Express Gift Card or Business Gift Card ( this " Card '' ) may be used at U.S. merchants that accept American Express Cards. I have another Amex credit card that Ive been using for almost 8 years, and I have used it on both XXXX and XXXX, never had an issue. But this card wont work. Customer service also told us in order to issue us a refund check for the remaining balance, we would have to provide a receipt for the purchase of the gift card. We were given this gift card as a promotional gift by our apartment complex for leasing our apartment, we were not given any receipt! And now we have almost {$1800.00} stuck in this gift card thats useless.