davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (IL)

On XX/XX/2019 I came to the branch of Citibank in XXXX, IL with my husband XXXX XXXX to open an account in the offer sent to me by email ( attached ). After waiting with my husband for over 30 min I was greeted by the banker XXXX XXXX at the branch. Mr XXXX proceeded to confirm that I was sent the offer as it was sent in referring to my card # XXXX and then he was able to locate it in the database. However Mr XXXX refused to open an account stating that the bank already operates on next business day, the XX/XX/XXXX schedule thus the offer is no longer valid ( the offer expiry is XX/XX/2019 ). Subsequently he wanted me to get a different offer with smaller amount of benefits which I refused. When my husband insisted that the offer was valid according to the terms and conditions attached to it the branch manager XXXX XXXX got involved with the issue. Since we didn't have to copy of the offer with us Mr XXXX insisted that the offer didn't exist. 
We left the branch. 
Since the offer was extended to me, I applied on this online the offer was stopped stating that I have to visit a branch since I am not a US citizen ( I am a citizen of XXXX and legal US XXXX ). It appears that the bank doesn't make a distinction between US XXXX and US XXXX and puts all XXXX XXXX into the same bag while using discriminatory practices resulting in denial to open an account and steer them into other products, a classic definition of red lining. I have several questions to Citibank : 1 ) Do the personal bankers in branches have a different commission structures depending on the items they are selling? 
2 ) If yes what is it? 
3 ) Why the personal banker would find the product and then the branch manager would deny the product exist? 
4 ) Is the Citibank 's strategy to direct different products to different national or race groups ( as my case clearly shows ) and what are the benchmarks used to achieve that? 
5 ) Why the Citibank 's application process doesn't make a distinction between US legal XXXX and none XXXX that are not while treating all foreigners alike? 
6 ) If the certain products are clearly designed to serve US XXXX only, why this distinction not made on its online application process instead of directing the applicants to the branches to be offered different products? 
7 ) Since the offer extended to me is clearly indicated as XX/XX/2019 calendar date, are there a two sets of benchmarks that the Citibank is using ( one for external consumption and one for internal ) thus giving the bank a defacto excuse not to honor the offers?
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

I accidentally sent XXXX to the wrong chime account and now chime is claiming that they can't retrieve the money or send it back. I have contacted the person multiple times but haven't complied. Chime want do nothing about it or give me my money back or help reach out to the chime account holder to give it back.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX an unauthorized charge for XXXX showed up on my credit card. I noticed the charge XX/XX/XXXX and contacted XXXX. I told them this was not my order, I did not place this order, and I advised that the address was incorrect to prove it. It was a completely different state it was shipping to. XXXX advised they would contact the carrier to have the package returned. I kept checking with XXXX and they did nothing in the end and the package was delivered to someone else 's address. 

My next move was to contact Chase and dispute the charge once I saw the package was delivered and not returned to XXXX. I disputed the amount and I received a new Credit card in the mail. Several weeks later I receive a letter in the mail stating the disputed amount was going to be applied back to my account and who I needed to contact. I contacted the agent SEVERAL times  throughout two weeks, Between XX/XX/XXXX through XX/XX/XXXX. I was on vacation for the two weeks after that. Not once did XXXX, with Chase, contact me back or leave any messages for me to contact her. 

I contacted the XXXX  to try and get this resolved since no one was calling me to talk about the charge. That, of course, got me nowhere as well. He said he would look into the issue and get back with me. I did not hear from him either and when I called him back he sent me to the dispute center. 

I called again today XX/XX/XXXX, to speak with the dispute department. She called over to the fraud department and came back to me and said they will not take my call and they will call me back. Again, refusing to take my call about this unauthorized charge. Their calls are recorded so the call can be confirmed that they are refusing my call.
Consumer complaint received 2019-07-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Need an old loan removed from the title of my mom 's mobile home. She has passed away and I am the personal representative of her estate. It was a 15 year loan for {$10000.00} originated in XXXX which would have paid off in XXXX however never released. I called XXXX XXXX on XXXX, informed the customer service representative what I needed and she informed I can not speak with the lien release department however gave me an email address to send supporting documentation ( XXXX ). Tried to email several times however, failed every time. Called back and spoke to XXXX/CSR and she gave me a fax number of XXXX and on XXXX faxed request and all supporting documentation. On XX/XX/XXXX spoke with XXXX/CSR to follow up on request and she informed me she can not speak with the lien release however would email XXXX and one of them would call me back. Never heard from them. On XXXX tried XXXX XXXX extension however got XXXX who was not helpful at all. I asked to speak with a supervisor and she transferred me to XXXX which again showed no interest in helping. Just told me to fax the documentation again. Every time I call I have to tell my story all over again and if no one can speak with the lien release department how can this issue get resolved. I XXXX the fax number and confirmed it belongs to XXXX and see other complaints regarding this same issue. I also called Bank of America because the title showed XXXX XXXX XXXX XXXX, they immediately assigned me a case number and within 24 hours responded to my request and was told loan was transferred to XXXX XXXX.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX Balance : {$6800.00}
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-07-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Braviant Holdings, LLC (NM)

XXXX XXXX XXXX & XXXX XXXX XXXX I have reported these companies before for unwanted contact. I did not opt in. I was told I would not be contacted again. And I am still receiving physical mail and email solicitation. I have requested not to be contacted. EVER. I did not change my mind. I do not wish to enter into business with these companies. My privacy is continually invaded. I now have to provide identity theft information to conduct business with other companies for this continuous invasion of my privacy. Stop the unwanted contact.
Consumer complaint received 2024-04-09
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: Bull City Financial Solutions, Inc (NY)

i informed bull city financial that they are not licenced or bonded to collect a debt in ny state in which bull city financial reponded " Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. The consumer is mistaken and NY state does not require a license. They do require a XXXX XXXX XXXX. Our COA # is XXXX since XX/XX/year>. Our Help Desk is available to assist consumers and XXXX be reached directly via telephone at XXXX. ". 

UPON MY RESEARCH I FOUND OUT THAT BULL CITY IS REQUIRED TO HAVE A LICENSE to collect a debt ffrom a consumer that resides in NEW YORK STATE According to the New York State Department of State 's Division of Licensing Services, a debt collector from North Carolina ( or any other state ) must obtain a Certificate of Authority from New York State before attempting to collect a debt from a consumer who resides in New York State. 

New York State General Business Law Section 601 requires that all debt collectors, including out-of-state collectors, register with the state and obtain a Certificate of Authority before engaging in debt collection activities with New York consumers.

If a debt collector from North Carolina tries to collect a debt from a New York State resident without obtaining the required Certificate of Authority, they may be in violation of New York State law. This could result in penalties, fines, and legal action.

The New York State General Business Law Section 601, Prohibited Practices, is located in Article 29-H, Debt Collection Procedures, of the New York General Business Law . It outlines the prohibited practices for debt collectors in New York, including simulating a law enforcement officer, attempting to collect unauthorized fees, disclosing false credit information, and harassingdebtors.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (WI)

My Paypal Credit account went past due in or around XXXX or XXXX of this year. After receiving multiple calls. I received a message that my account would be sent to collections. I do not know if this was an in-house collections or if it was sent to another company, I didn't keep track because I assumed they would honor their agreements. I returned the call where I was offered a payment agreement that stated in exchange for me scheduling my next three payments of {$270.00} with them over the phone I would be allowed to continue use of my account during the three months the payments were made even if my account showed past due, I would no longer receive collections calls, my account would not be reported to as past due to credit bureaus and my account would be reset/re-aged at the end of the three payments. The first two payments completed successfully and I was able to continue use of my account during those two months. Sometime after the second payment I started receiving collections calls again, roughly about XXXX of this year. I returned their call at XXXX and explained that I had a payment agreement and was told that servicing of Paypal Credit changed companies and that they didn't have all payment agreement information, they were investigating due to multiple calls, and that they would honor the previous agreement and my account would be re-aged 48 hours after my last scheduled payment in the agreement. Soon after my payment posted but the account was never re-aged. I called again and was told they misspoke, the department that does that is not open on the weekends and it would be reset after 48 business hours. I called again after this period of time and was told again they must have misspoke, I needed to call a second number because they set up the agreement. I called that number twice and both times I was transferred 2 to 3 times before finally being transferred to a number where I received a recording that stated this number was no longer in service. I called XXXX again and was told that they would set up a complaint for investigation. I finally called back today and was told my payment agreement never existed and they will not be re-aging my account. I would like to point out that now my account shows three months past due rather than the original one or two and my account is still in past due status. Exactly why would I set up a payment agreement that despite making payments every month allowed my account to fall further past due than it originally was? Now they want me to pay an over {$800.00} minimum payment to bring my account current which should not be the case, I can not afford, and if I could afford it my account would have never went into a past due status to begin with and they are now refusing to assist. Additionally, I believe that the original collections call, either in - house or with a different company, may have even recorded the conversation with me.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

This account was Closed/ Write-off in XXXX and removed from my credit score. Capital One has now turned around reopened this account and put it back on my credit report with a different date and different collection company. I I have not has a credit card with Capital One at any time in XX/XX/XXXX. This is false and extremely hurting my credit score. I have not ever received anything in the mail from Capital One saying I owe them anything or borrowed {$430.00} from them in XXXX of XXXX.
Consumer complaint received 2017-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (IN)

After pulling m y credit score i notic e this company had a medical debt in my name. So i wrote a dispute letter on  XXXX   XXXX ,    2017  asking them to verify deb t ( See attachment # 1 )  the amount shown on credit report is {$250.00} which i later found out was n't the case ( see attachment  # 2 ).  Then on  XXXX   XXXX ,    2017  i sent out a debt settlement letter giving them until  XXXX   XXXX ,  2017  to provide the original instrument of indebtedness in its original form. ( see attachment  # 3 ). The wr ote back on  XXXX   XXXX ,    2017  with the stating the following ( see attachme nt # 4,5 & 6 ) bas ically saying that the do n't have to provide the info relate to the dispute letter made on  XXXX   XXXX ,  2017 . Which lead me to putting the matter into your han ds. Receivable Management feels the did n't have to respond to my dispute letter which convenience me to believe tha t they will be uncooperative in any future endeavors.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Owed XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX COMENITY BANK ) XXXX Owed : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1900.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$410.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$5500.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2023-02-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

I am attaching claim # XXXX. Wells Fargo did a bait and switch on {$3000.00} loank. Wells Fargo charged interest rate of 13.74 % instead of 5.74 % on a 1 year loan. I complained to CSFB and to Wells Fargo but was not compensated. I need to be reimbursed the difference in monthly interest fees ( 8 % that I was overcharged by wells Fargo bank,
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-21
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery claims that I owe them a debt. I politely ask the guy on the phone to validate the debt and the guy started yelling at me. I continued to get harassing calls from Portfolio. I have blocked them but they call 5 or 6 times a day from a different numbers every time.I work nights and I have not been able to sleep during the day because of the numerous calls. I do not have any association with Portfolio Recovery or owe them any debts.
Consumer complaint received 2024-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc (MO)

First of all, I worked for XXXX XXXX XXXX. In XXXXXXXX XXXX XXXX  when XXXX was prominent out there. I was told by my employer that If i worked there my family and I would get this medical treatment free - that is to make sure we did not have covid and if we need they would provide the help we needed. But to my suprise I receive a bill in the amont of {$730.00} in which I should not has to pay. I do believe that this is a direct harrassment of my resigning from XXXX XXXX XXXX. 
I DO NOT OWE THIS BILL AT ALL. PLEASE HAS THIS BILL REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NY)

I had initially submitted a complaint because this company had never contacted me at all, especially with a debt that I do not owe. The account was closed and paid off completely. I received a response stating they have sent me numerous communications, however, I never received anything, even a phone call. My address has been verified and accurate, but nothing. I received their response stating they would send something, and after 30 days, I just received this unbelievably fake note as a supposed validation letter! I dont know how they would believe that I would think its real. There is no debt, no balance, and now I am forced to hire an attorney due to this fraudulent collection.
Consumer complaint received 2022-12-15
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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