davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

I am writing to appeal Citibanks research results on a dispute I filed ( XXXX ) in XX/XX/XXXX regarding a promotion ( XXXX ) bonus of {$500.00} for opening my checking 's account. I have still not received this bonus after meeting all terms and conditions of the promotion. 

I applied to open a Citibank Checking account over the phone on XX/XX/XXXX. However, my application was not immediately approved. 

On XX/XX/XXXX, Citibank sent me an email ( attached ) saying " we need more information to complete the processing of your application ''. Following the instruction I sent a copy of my Social Security Card by mail to Citibank. 

Then on XX/XX/XXXX, Citibank sent me another email ( also attached ) to notify me that my checking account is finally open. On XX/XX/XXXX I made a deposit of {$15000.00} to meet the requirement of promotion XXXX. 

Hence, it is clear that Citibank 's statement in their letter to me ( also attached ) that " your account does not qualify for this promotion because the required deposit was not made within the stated timeframe [ 30 days ] '' is false. 

I have made several phone calls to Citibank 's customer service since XX/XX/XXXX and submitted the attached documents by mail and fax. All the agents I spoke with supported my view that I should have received the promotion bonus, yet the bank 's back office did not look into the facts I provided when denying my dispute.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MA)

In XX/XX/XXXX I withdrew funds from my 401 ( K ) and deposited them in a joint account. The funds totalling {$46000.00} were in a citibank account. I had transfered approximately {$18000.00} from the account and moved it to my personal checking. 

I received a debit card but there was a delay in the pin so when I received it and tried to activate the card but was unable to as I was blocked from the account. On XX/XX/XXXX I called customer service, they stated that there was a glitch in their system and they had closed the account, that a check with the remaining funds would be mailed to me. I explained I needed the funds ASAP and the agent said he would request for the check to be expedited and I would receive it within 3-5 days. I called again on XX/XX/XXXX and an agent stated the account had been closed and a check was mailed on XX/XX/XXXX. To expect it by no later than XX/XX/XXXX. I called today, XXXX as nothing was received and the agent ( XXXX ) said a stop was placed on the check but she was unable to provide  any reason, explanation or a date as to when I could access MY funds. I asked to speak to a supervisor ( I was on hold for 2 hours on and off ), the supervisor ( XXXX XXXX ) said I was blocked out of the account but she was unaware of the reason, that there was nothing they could do except close the account and send me a check? ( but I thought this had already been done?? ) she said that was not her department and she would transfer me to the manager on new accounts ( XXXX ). XXXX was extremely rude, raised his voice and offered no solution or accountability. He said the only thing he could do was send an email and that I would hopefully have my money in 10 days. 

I work for the XXXX XXXX XXXX XXXX XXXX XXXX. I am worried about people that dont know their rights or the laws pertaining to their accounts. This is completely unnaceptable. Everyone I spoke to had no sense of accountability, no solution and awful customer service. I am talking about {$30000.00} gone with the wind. I have no idea where my money is or when I will get a hold of it again.
Consumer complaint received 2021-01-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I had my mortgage set up for automatic payments in the past. In XXXX of 2020 I was in the process of refinancing with another bank. I called Fifth third bank and had my bank account removed from automatic payments I paid the XXXX bill through another bank account I have. Come XXXX, I refinance my loan on the XXXX. Fifth third continued to automatically charge my old bank account they had without my permission after the phone call I had with them in XXXX to remove automatic payments. The customer service rep ended up refunding the charges. Come two days later, I closed with my refinance and was charged again from fifth third bank to my old account.customer service was less than helpful
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

Chase checking account. My debit card or account was hacked and because the transactions were linked to my pin chase is stating I made those transactions. Which I didnt .. its not impossible for hackers to obtain all your information and its disappointing chase cousins help me with refunding me my hard earned money.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Experian is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please remove it from my credit report. Both XXXX XXXX XXXX credit cards accounts are being report inaccurate.
Consumer complaint received 2018-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

there is no sufficient information to support XXXX, XXXX and Transunion 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2020-09-20
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I reserved a rental car through 'XXXX  '' on XX/XX/20 for the amount of {$1100.00}. They asked for my flight itinerary, I spoke with a representative, and they assured me someone would be there when my flight landed at midnight. When I landed they were closed for the day and I was not able to get my rental car. I immediately disputed the transaction, and since I was on vacation I was unable to talk to XXXX  during the remainder of the trip. 

Capital One approved the dispute only later to recharge me. The only reason I got for not having my charge refunded was the inability to provide a receipt of the transaction. What Capital One is failing to realize is I never received the receipt nor vehicle because the company failed to provide the service I paid for. I have talked to multiple people from Capital One, all of which have been of no help. After explaining the situation the first time to the first representative he told me he doesnt see how capital one would not accept my dispute. But months later Capital One declined my request and charged me the money for a rental car I never received.
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX I received a letter from Portfolio. The letter states that I owe XXXX XXXX {$900.00}. Account # XXXX. I filed a dispute in XX/XX/XXXX regarding this matter. This issue is dead ... I do n't remember this bill, and if I did { XX/XX/XXXX} it is out of the statue of limitation in the state of CA. I do n't want their error on my credit report. On XX/XX/XXXX there was an soft inquiry ran by Portfolio. They were running XXXX or XXXX soft inquiries a month for years. Please leave me the XXXX along. No more calling from different phone numbers.
Consumer complaint received 2021-04-11
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: BARCLAYS BANK DELAWARE (SC)

Please see my previous correspondence for more information on this matter. Let me make this perfectly clear. My biggest concern here is not that I received or didnt receive your response. My concern is that there is still a close to $ XXXX fraudulent charge showing on my account even though I promptly reported the charge as fraud!!! I am requesting an immediate re-investigation and removal of the charge from my account under my rights under the FCRA. I am scheduled to make a payment on this card for over $ XXXX on XX/XX/XXXX and I do not have the funds in this account to cover a FRAUDULENT CHARGE OF THIS INSANE AMOUNT! I will provide any documents necessary that you require for the re-investigation of my whereabouts or what have you to prove to you people that this is fraud.This is really getting ridiculous.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX my wife tried to make an online purchase for a door for {$3100.00} and the purchase was declined as apparent fraud. We have perfect credit, no late payments and always pay our bill on time. My wife called the company " Capital One '' and answered every security question asked and was told she needed to provide a copy of her driver license via email, which she refused. Now the company has blocked all online access to the account including rewards points. Attempts to cancel card or report a lost card to cancel card are not supported online. Cardholders are required to call in. Wait times are over an hour and it is the only route to resolution. I called late at night and early in the morning and throughout the day with no lesser hold times. When I finally was able to call this morning and get thru they are still requiring a drivers license. I find this 1 ) unreasonable to ask for a driver license 2 ) totally bad business practice to have as the only solution to resolving a problem to hold for 1 hour on the phone. After searching online there are thousands of similar complaints from other customers. This practice is at a minimum unethical if not illegal.
Consumer complaint received 2022-01-08
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: EQUIFAX, INC. (OH)

I tried to cancel a payment through the app and was unsuccessful. 
I called XXXX XXXX and had a conference call with a XXXXXXXX XXXX representative on the line since XXXX would be the paying agent. I explained that the app was not working and I was not able to cancel the scheduled {$150.00} payment to change the amount. The representative stated that they were having problems with the app and she would take care of the cancellation. However, she did not do so and I called XXXX XXXX after the amount supposedly canceled was taken out of my XXXX account. I spoke with XXXXXXXX XXXX  and they reversed it. I made the minimum amount due making sure the payment was on time.The XXXX XXXX representative said she would take care of it. I have a copy of my latest statement where the amount they list is not due until XX/XX/2022. They listed it as past due. I have never been late on this account. On the statement it shows that the last payment was XXXX the next payment that they listed as past due is inaccurate.
Consumer complaint received 2021-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

I would say the date would have to be around XXXX 2019 when I went to the XXXX XXXX XXXX. I had insurance at the time but I didnt have my insurance card with me that day. They said they would be able to bill my insurance anyway so I just left it as is since they said they would bill my insurance. Months later I see on my credit report that Im in debt {$560.00} for the services I received that day. Ive disputed it through XXXX XXXX numerous times with no changes made to that account. Ive contacted the original lender XXXX XXXX XXXX XXXX XXXX and the bureau CMRE Financial Services, sending them photos of my insurance card so they can verify that Im not responsible for the amount owed, and that its my insurance who needs to pay the amount but nothing has changed. After Disputing through credit karma, they verified that the information I provided was accurate. I desperately need this removed from my credit report because I am not responsible for the mistake XXXX XXXX XXXX XXXX made by not correctly billing the insurance and billing me instead, and I am not responsible for this amount owed. Please help!
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (FL)

This agency violates 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted 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 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  The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit.

I demand these accounts be Deleted from my credit report Immediately. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I  am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX-XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX-XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX -XXXX XXXX XXXX XXXX FL, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , XXXX -XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX  XXXX SC , XXXX- XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX  XXXX XXXX  MD, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX VA , XXXX-XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses.

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX , XXXX, FL XXXX-XXXX Please delete the above disputed items and ( 30 )  days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

I opened an account with Chime ( based in XXXX XXXX ) in early XXXX because the interest rate was higher than my other savings accounts. I then transferred funds ( {$100000.00} ) to that account from a different savings account. Chime accepted the transfer but then demanded I send them private, personal information before they would give me access to MY money! I explained in writing the situation but they still demanded private info. I called and they couldn't ( or wouldn't ) explain why they needed my private personal info and when I asked to be transferred to a manager or supervisor, they put me on hold for an absurd length of time and then the call disconnected. Since I will not share private information, I tried to have my other bank pull the funds back but Chime refused. Now I can't even access the account. I want my money back and no one from this joke of a company will explain what us going on here. I need help!
Consumer complaint received 2020-12-02
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. (NY)

This communication is in reference to the incorrect personal information reporting on my Experian account. As a result of the reported identity theft several incorrect names have been reported and accounts. Ive included this information in the attached documents and I would like you to removed the incorrect names and variations listed.
Consumer complaint received 2020-12-02
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: EQUIFAX, INC. (TX)

I have contacted equifax to dispute two inaccurate accounts on my report in which they have failed to remove although Ive provided them with proper documentation that these companies both where reporting inaccurate information. I also have noticed 3 of my postive credit card accounts that are currently open and have been open for for over 3 months are not showing with equifax. I would like those accounts to show on my report and I have attached the other consumer reporting agencies reporting those accounts open activr with no lates ( See attachment for my XXXX XXXX XXXX Cc & TWO XXXX CC for XXXX ) The inaccurate accounts are wuth XXXX XXXX XXXX who reported the last payment date with EQUIFAX as XX/XX/XXXX which as you can see with the attachment they reported to XXXX  it was XX/XX/XXXX addionally they reported to equifax XX/XX/XXXX days late and as you can see with attachment that was also incorrectly reported as with XXXX  and XXXX I have absolutely NO LATE PAYMENTS reported. ( SEE ATTACHMENT ) XXXX  confirmed this account along with XXXX XXXX was reporting inaccurate information and deleted BOTH accounts. I would like equifax to do the same with both accounts.
Consumer complaint received 2020-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMB, Inc. (GA)

The company keeps contacting me in regards to XXXX XXXX. I am NOT XXXX XXXX and I do not know and am not Related to any XXXX XXXX. I informed them that under the consumer protection laws they have no right to continue to harass me or to even call me in regards to someone they believed I knew. This company acts like they think they are contacting XXXX and we i again inform them I am not XXXX. they change their approach and claim this XXXX. gave them permission to contact me which is also not true since XXXX doesnt even exist. I get called almost every day and multiple times a day for a debt I HAVE ABSOLUTELY NO CONNECTION TO! They call themselves offices of Patients accounts and when they call they block their contact info from being displayed and it says Unknown Caller unless you click the call in your call log to display the original calls number. This phone number is XXXX XXXX XXXX XXXX but it is not the only number they have used its just the most recent phone number to be used.
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I have a lease through XXXX XXXX, the lease has been purchased by Westlake Portfolio and I was never told about this purchase until I received a letter from Westlake Portfolio on XX/XX/2023. The letter was dated XX/XX/2023. I had previously tried to log into my account with XXXX XXXX to make payment and was not able to do so. I have no problem with starting my payments again now that I know who to pay, but I should not have to pay the total that they are demanding because I did pay for a warranty that is no longer valid and I need to purchase a third party warranty. I am also not going to receive the oil changes that was included with the lease. The vehicle also did not come with a spare tire or a jack which I was never told about. The only thing that was in the trunk area was a fix a flat kit. Had I been aware of this at the time of the lease signing, I would not have taken the vehicle.