davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
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. (TX)

I reported multiple persistent fraudulentactivitieson XX/XX/XXXX, XXXX, XXXX, XXXX of XXXX, even after continuously cancelling credit cards. I suspected someone somehow got a hold of my credit card information online since I did not lose my card. I begged for Citi employees to delete all my digital wallet connections, and once one employee finally listened to my pleas, the fraudulent charges stopped. 

Unfortunately, the dispute process has not gone the way it should. While Citi credited most of the fraudulent charges, Citi is saying that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my responsibility, even though other multiple fraudulent XXXX charges have been reimbursed. This doesn't make any logical sense ; if you look at it carefully, I was charged XXXX XXXX+ foreign transaction fees. It's clearly a fraudulentcharge, as I have never been to the XXXX. And yet, Citi somehow states that I am responsible, when other XXXX charges aren't. 

Additionally, they are struggling to credit the fraudulent XXXX charge on XX/XX/XXXX ( disputed on XX/XX/XXXX ) as well for {$51.00}.
Consumer complaint received 2018-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

Debt Recovery Solutions reported to the 3 credit bureaus derogatorily and negatively that I owe a debt of {$660.00} on XX/XX/2018 that was opened XX/XX/2018. I have did not receive any communication ( oral or written ) from them. Acct # XXXX. Please have them remove this information from my file.
Consumer complaint received 2023-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I saw a new inquire on my credit report company name is Resurgent LVNV Funding it said i open an account on XX/XX/XXXX XXXX  for the amount of {$1600.00}. I wasnt aware that i had an account with them. I never received any written notification from this company informing me of these charges nor have this company giving me the opportunity to validate these charges as well. They just add it to my credit report without my knowledge.Can you please help me?
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NV)

Dear Consumer Finanical Protection Bureau, I am writing to express my deep concern and frustration regarding the discriminatory treatment I have experienced with Citibank. I believe that my account has been unjustly blocked on multiple occasions due to the use of a different phone number to contact your bank. This has resulted in severe inconvenience and financial distress for me. 

I first encountered this issue when I called Citibank using a different phone number. The initial representative I spoke to was not only unhelpful but also rude, and shockingly, they proceeded to block my account. Subsequently, I found myself unable to make purchases, withdraw money, or access essential features of my account. This situation has not only impeded my ability to manage my finances effectively but has also left me unable to meet my daily monetary needs and pay bills promptly. 

Throughout this ordeal, I have diligently cooperated with your customer service representatives and even learned that my phone calls were being monitored by Citibank 's quality control. Despite my inquiries, I have received no satisfactory explanation for the repeated blocking of my account. As a valued customer, I am entitled to transparency and information about the actions taken against my account. 

I am deeply concerned that these incidents may be rooted in discrimination, as I am an XXXX XXXX  customer who has been unjustly targeted. It is distressing to believe that such discriminatory practices are being exercised against me, preventing me from accessing and utilizing my own funds. 

I strongly urge Citibank to investigate this matter thoroughly and provide me with a detailed explanation for the account blocks. If these actions are confirmed to be discriminatory, I request an immediate resolution to rectify this situation and prevent any further discrimination against me as a customer. 

Failing a satisfactory resolution, I feel compelled to explore legal avenues to address this matter. Discrimination is not only morally reprehensible but also illegal, and I believe it is essential to hold institutions accountable for such actions. The repeated blocking of my account has placed an undue burden on my ability to access and utilize my own funds, leading to financial losses and significant inconvenience. 

In light of the circumstances, I am left with no choice but to initiate legal proceedings if a satisfactory resolution is not reached promptly. This potential lawsuit is intended to recover any financial losses incurred due to the account blocks imposed by Citibank due to threatening my account and blocking by discrimination. This has happened mutitple times.

I appreciate your prompt attention to this matter and expect a timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-03
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: SUN LOAN COMPANY INC. (TX)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (FL)

I am being charged for a transaction from XXXX, from XXXX, that I never received, now I dont have XXXX account, its XX/XX/2023 and woke up to a surprising amount in my account want negative XXXX
Consumer complaint received 2024-05-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Listed below are the dates and accounts of these unverified-unauthorized accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX. I was not notified about these accounts being brought by a debt collector, and I requested debt validation from all of the parties involved asking for signature showing proof that I guaranteed payment to this debt collector, I asked for a detailed list showing I made payments on this account, and proof of chain of title you have to collect on this debt.
Consumer complaint received 2024-05-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

In early XXXX I made a payment 3 times the amount of my amount due to payoff my account early. My payment applied just to principal and when I asked for a payment reallocation they told me they couldn't do that. Since I thought I was paid up for XXXX I then received a late fee. I asked for a payment reallocation and was told no and now they also charged me a late fee. So instead of owing {$7.00} total on my account I owe {$37.00}.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

We deposited a certified bank check into our business checking account at Webster bank XXXX XXXX XXXX XXXX, XXXX on Friday, XX/XX/2024. The teller, XXXX, told us that the funds would be available on Tuesday, XX/XX/2024. We Called the bank on Wednesday, XX/XX/2024, and spoke to XXXX. XXXX told us that the funds would be held for XXXX days since it is a new account. This was a certified funds bank check. As of the current date, we still do not have access to our funds in our business account. When we opened the account, we were told that deposits would be available in XXXX business days. We would not have opened the account if we knew we would not be able to access the funds. We are running a business and can not pay our business expenses due to the bank not releasing funds on a certified check. The bank misled us when opening the account and when making the deposit, and it is now affecting our business operations. We have not been able to get anywhere with the bank, as they have not been of any help whatsoever.
Consumer complaint received 2024-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

I contacted the XXXX company on XX/XX/XXXX and also on XX/XX/XXXX to let them know this account was not my account, the creditor XXXX still put this account on my credit for a balance of XXXX. I never lived at the service address they have listed for this account. I want this unverified account removed from my credit. I demand to see verifiable proof, but I haven't received anything for this unknown account.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

The Extended Standard Repayment application produced by Navient dated XX/XX/XXXX was on an EXPIRED AND VOID FORM, which I DID NOT sign. I filed an identity theft case with the FTC because someone submitted this without my permission or consent. * Yet, Navient relies on this fraudulent document and claims I applied for Extended Standard Repayment in XX/XX/XXXX on an expired form that does not apply to FFELP loans, after already being in Extended Standard Repayment for years ( this makes absolutely no sense and only benefits Navient ). There was no change in payment plan, no disclosures provided applicable to FFELP loans when this alleged document was created, and frankly, no authorization to re-amortize my loans. 

*Notably, this fraudulent XX/XX/XXXX document was suddenly created after I had made an inquiry into my loans questioning payoff calculations. 

Interestingly, a 2nd fraudulent document ( ISR application ) was created in XX/XX/XXXX I did not apply for either, which is also mentioned in the Fraud Report. Navient admits to the ISR document being false/inapplicable, but not the XX/XX/XXXX Ext Repayment Form. See Navient 's XX/XX/XXXX response attached hereto.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (MI)

As I previously stated, you have not received and provided me with any proof that you have my written consent or instructions relating TO ANYTHING ON MY CONSUMER REPORT. This directly goes against PERMISSIBLE PURPOSE, WHICH IS LOCATED IN 15 U.S.C. 1681b AND IT STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

PLEASE BE MINDFUL, THAT IF AT ANYTIME AN ACCOUNT THAT CAME FROM IDENTITY THEFT ( WHICH IS LISTED IN THIS DOCUMENT AND ALL OTHER ATTACHMENTS ) APPEARS AGAIN ON MY CONSUMER REPORT, I WILL BE SEEKING {$5000.00} PER ACCOUNT OR PER VIOLATION UNDER 15 U.S.C. 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

Branch I visited on XXXX XXXX XXXX XXXX on XX/XX/year> the branch manager and teller XXXX XXXX had the worse attitude and customer service. Teller didnt follow the due diligence and flagged my account without trying to verify with me. All because I brought an old debit card since I never used debit card. Then the manger lied to me told me its back Office fraud department that blocked my account. I believe I was treated differently and discriminated due to my race. Id be contracting the XXXX community and need to share this frustration I encountered I had at Citi bank I had to visited local branch 3 times to close account. along report this matter to the authority.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

I all started with a random payment on XXXX  that wasnt me cause I never even had an account for that website. So then I was negative in my bank account. Then I reached out to PayPal and they said basically didnt help me out. So I contacted my bank and then PayPal refunded me and everything was good. Until my account went negative with the money they already had already paid out. So I dont get why my account went negative
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (GA)

XXXX  will not release a payment of {$15000.00} that I received on XX/XX/23. The first closed my merchant account then after review reopened my account. I received emails stating that the payment had been released to my bank only to receive an email on the day the funds were supposed to be in my account that they couldn't verify my account and additional documents would be needed.
Consumer complaint received 2023-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Financial Service LLC (Idaho) (ID)

Recieved letter in mail on debt. I pay my bills! XXXX crefit score over 50 years. Talked to lady said that was paid two years ago and not my debt. Insurance handled. She got mad hung up. Two days later showex as collection on my credit report. Malicious and illeagal.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I had an insurance deposit of XXXX XXXX dollars and money came out that I did not authorize. I am filing a fraud/ theft case against the owner of the bank with the police department and the next step is an attorney. They took my money and closed the case after a 2 day investigation. I will keep filing complaints until they return the money they too. They have falsified my transaction history and I have Proof!
Consumer complaint received 2023-10-26
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

My consumer rights have been violated for the last past year I've been disputing an inaccurate account # XXXX XXXX XXXX XXXX. 

Account # XXXX This account has multiple violations however they failed to put in a comment section on my consumer report that it has been disputed. This is a violation of the FCRA. 

Please delete this Account Immediately.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I recently pulled my credit report from all three bureaus and noticed that Equifax is reporting my name incorrectly. I clicked on the link to file a dispute XXXX XXXX XXXX, however the link is broken and shows a blank white page. I had no issue with updating information through XXXX and XXXX online. It should be just as convenient with Equifax.
Consumer complaint received 2024-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (TX)

My debt was being handled by one debt collection agency CAPIO PARTNERS between XX/XX/2024 - XXXX XXXX that reported my debt to the Credit Bureau. My Credit had then took a hit and decreased in points. According to XXXX XXXX if my collection was to be removed which it was removed sometime between XX/XX/2024 - XX/XX/2024, I was supposed to receive a XXXX point credit of points to my credit and I did not receive that. Now today at approximately XXXX XXXX I received a phone call from ( XXXX ) XXXX another debt collecting agency that was trying to collect the same debt, I asked if they were going to submit the debt to collections and they stated they have not sent it out yet. I also advised them to send me a letter or email so that I may verify the debt, the debt collecting agency refused to do so, they did ask for my name and number I did give them my name and number. I did tell them that I wanted to get legal representation as the debt collector did seem aggressive in tone. I do not want that debt collection agency with the number ( XXXX ) XXXX to submit my debt to the XXXX XXXX XXXX again and loose double the amount of points and ultimately have my credit go down further. 
I am not sure if debt collectors can report the same debt twice even if it was posted to collections already once by another debt collecting agency and it was removed by that collecting agency without receiving points credited and then having the new debt collecting agency trying to submit my debt to collections again and removing points off my credit. Ultimately loosing double the amount of points and having the same collection posted twice by two different debt collecting companies.
Consumer complaint received 2024-05-04
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: TD BANK US HOLDING COMPANY (FL)

I am disputing the fraudulent activities.I was told to provide information that i XXXX XXXX XXXX have and I was also told because it is over 60 days that I am responsible. You are absolutely correct, I opened a secured credit card at the branch. However, there was fraudulent activities into my account because I was notified by your fraudulent department Tel # XXXX. Due to so much XXXX  tape. While I was recovering. I offered to pay off the fraudulent balance in order to protect my credit. Your fraud department -- still has an ongoing investigation. Again and again, I am disputing it and also requesting my signature, and the complete itemizes bills. Your fraud department is an asset to your company. Thanks!
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NY)

Someone most likely a family member of mine or a few of them ( my dad, his wife, my sister, my uncle, a few cousins and aunt ) has been using my identification without my knowledge. I have been having an issue with my state identification card having the wrong information as name and birthdate. I recently had to prove my correct identity with producing my birth certificate and social security card and getting the correct information on my state identification card. I see under certain credit reports, my names are not correct along with adding a middle initial that I dont have. My deceased grandmother passed away in XX/XX/2014. She left me inheritances and they were stolen from me. I never seen my inheritance that was left in her will. If my grandmother left me and my children an inheritance, then what insurance company or bank cashed my checks? And what banker or insurance company would allow someone to cash someone elses checks? I have been trying to get this issue investigated and keep getting the run around or get stumped by something. I just want what is rightfully mine and my identity to stop being fraudulently used. My uncle has the will, family members know what was left in the will. My father, his wife and my sister illegally sold all of my deceased grandmothers personal possessions, including her home, her vehicle, her property, her bank accounts, everything including everything that she left to me.