davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (MD)

Far past two years, Citi bank charged me {$12.00} a month fee. Two years ago they told me I should have a direct deposit into my citi bank account and that will waive any monthly service fee. So I set up a direct deposit. Today I noticed they have been charging me fee s for over a year. When I called ( XX/XX/2020 ) they said '' You should have a bill pay as well to waive the fee. My argument was that '' about two years ago you said I should have only direct deposit but now you are asking me to pay bill through your website? She said " Yes. Although I pay Citi credit card bill through my Citi checking account but that does not qualify for them. Two different answers by two different individuals. One of phone agent said " go ahead and complain but I am not giving you any refund, this is our policy ''. Citi bank needs to disclose all fee info to their customers and get their consent. I am hopeful that CFPB will resolve my issue with Citi Bank.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

Barclays Bank Delaware ( Barclays ) in concert with XXXX Mastercard and XXXX  XXXX  are in violation of committing unfair or deceptive acts in violation of FDCPA, 15 USC 1692 a-l, the FCRA, Barclays - Your Cardholder Agreement with Us, Investment Company act of 1940, Public Law 73-10 as well violations of 15 USC 1 Restraint of Trade, Insurance Fraud, and XXXX. Barclays issued Payment Coupons that were tendered as payment that were not honored and refused to accept Federal Reserve notes for payment. 

I contacted Barclays several times to make payment and they refused saying they only took XXXX dollars. XXXX XXXX told me I was unable to receive XXXX dollars from my account and they would only give me Federal Reserve Notes. Barclays also refused to take their payment coupon attached to the monthly statement as payment. I made several attempts to pay with the payment coupon as well as with Federal Reserve Notes and those tendered payments were refused. In UCC 3-603 ( b ) If tender is made and refused then there is discharge. 

Since Barclays refused to accept Federal Reserve notes which are legal tender for all debts public and private, there can not be a debt associated with this Account.
Consumer complaint received 2022-05-16
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: CITIBANK, N.A. (NJ)

My purse was stolen in 2013 and they stole my License, And social security and they opened up various accounts with my Social, They did XXXX XXXX XXXX, Macys and Best buy and these accounts are affecting my credit negatively and it's not allowing me to obtain any new line of credit, I filed a police report and it's on record,
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion reports and inaccurate name and address ; name- XXXX XXXX XXXX address- XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (CA)

This " credit union '' Factual Data, XXXX, CO XXXX XXXX XXXX XXXX XXXX Has pulled three hard inquires on my credit report without my permission. I have not applied for anything for years. The dates were as follows XXXX, XXXX XXXX Then XX/XX/XXXX and again XXXX, XXXX XXXX. I have never heard of this place and never gave permission to run my credit.
Consumer complaint received 2020-04-19
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. (FL)

Since XXXX I have been trying to have a Debt Collection company removed from the Credit Agencies ( XXXX, XXXX, and Equifax ). 
The negative reporting was removed in XXXX from XXXX, in XXXX it was removed from XXXX, as of this date Equifax will not remove the dispute. Five requests have been sent to Equifax with the last one sent XX/XX/XXXX. Equifax dispute online via internet does not work properly and phone calls achieve nothing but a run around. 
All disputes with Equifax have gone unanswered.
Consumer complaint received 2022-11-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (KY)

Obtained loan thru Kia finance XX/XX/2022. Car was totalled XX/XX/2022 insurance company paid all of balance except for approximately XXXX on XX/XX/2022. On XX/XX/2022 the balance was paid in full loan was closed. As of XX/XX/2022 Kia has yet to update my credit file. My credit file has not been updated at all showing any payments or closing since XX/XX/ XXXX XXXX
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act 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 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 a account without my written instructions.
Consumer complaint received 2015-09-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Applied Resolutions Group (IL)

I work at a XXXX. THe following person keeps calling here and harrassing us. XXXX XXXX XXXX HE calls here sometimes XXXX times in a row. We are an XXXX. Every time he calls the employee he needs in XXXX OR not even here. When he starts to yell at me I have been told to hang up by my XXXX. He will call back and ask " is this the ignorant person i was just talking to? '' " you ; re not very smart! '' I have had at least XXXX calls in the past two weeks. Our district attorney has been contacted to stop the harrassment also.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

I reported fraud regarding my credit card to Citibank on XX/XX/2017. 
( Someone had managed to cancel my card and asked to have new card sent to them in XXXX ). I was told by Citibank the card would be cancelled and a new one would be sent to me to arrive the next day. The next day when no card arrived I called back and they stated that the new cards were still shipped to the person committing the fraud and that they had used them to purchase goods at XXXX ( XXXX at Citibank Fraud # XXXX call XXXX ( for authorities only ) ). 
XX/XX/XXXX received charges from Citibank from XXXX in XXXX XXXX for {$380.00}. 
Spoke to XXXX XXXX, XXXX Citibank Fraud. She says the charges previously reported as fraudulent from last card were carried over for " accounting purposes '' to the new card. 
She also states that since " they were never before reported '' for this card " it may take 1 to 2 billing cycles to resolve '' and In the meantime I may accrue finance charges and interest until the investigation is completed. 

CFPB- I 'm not sure if they have broken any laws or regulations here, but my instinct is that beyond very poor business practices they have! 

Thanks
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

Was given a Vanilla gift card that was purchased in XXXX of XXXX. Gift card was loaded with a {$100.00} balance, however when I went to use the card in XXXX I learned that the card number had been stolen and a fraudulent charge of {$53.00} was made on the card at a XXXX store on XX/XX/2021. I contacted Vanilla for a replacement card and to reload the balance to {$100.00}, was asked to file a dispute form, and submitted that form on XX/XX/2021. I was told the issue would be resolved within 90 days, and reached out again to ask about my dispute on XX/XX/2021, however I have not heard anything from the company.
Consumer complaint received 2020-04-19
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: Experian Information Solutions Inc. (MS)

According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. You have failed to positively verify these accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX I have contacted the Creditor listed above, and demanded they send me the original sign contract. They have not provided me with original signed consumer contract. The account can not be verified. 

The unverified items listed above remain on my credit report in violation of Federal Law. You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA-you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I AM A LITIGIOUS CONSUMER AND FULLY INTEND ON PURSUING LITIGATION IN THIS MATTER TO ENFORCE MY RIGHTS INDER THE FCRA.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.
Consumer complaint received 2016-12-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Applied Business Services, Inc. (VA)

I contacted Security Collection Agency # XXXX to resolve a collection of debt for a dental bill, I paid the bill in full with the understand that they would report it as paid in full and never received a paid in full receipt. I was told I can dispute the debt with the credit reporting agencies and that the debt could be removed. The debt current has not be removed.
Consumer complaint received 2022-05-16
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. (FL)

I received my monthly bill from chase which included charges of {$800.00} made on XX/XX/2011. They were submitted 19 different times for {$42.00} for each order on the same day and were not even questioned by Amazon or Chase. The charges were on my Amazon charge card for XXXX XXXX which I don't even know what they are. I have spoken to Chase numerous times and they keep referring me to Amazon. I have contacted Amazon multiple times and am told that I will receive an email from the fraud department within 24 hours. Every time I received emails from the fraud department they keep saying they are working on my claim. In the meantime now when I call, they say that I have been blocked by Amazon and they can't get into the account. They have shut me off from XXXX XXXX which I paid for separately and I am not allowed to order anything from Amazon. I think that I should be reimbursed for XXXX because I can't use or watch shows on it. This has been going on for three months with no satisfaction.
Consumer complaint received 2022-10-02
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: Velocity Portfolio Group (GA)

In accordance with the Fair Credit act CKS PRIME INVESTMENTS , LLC # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Consumer complaint received 2020-04-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

PREVIOUSLY DISPUTED AN ACCOUNT THAT I NOTICED WAS ON MY PROFILE WHEN I REVIEWED MY CREDIT REPORT, DISPUTED THE ACCOUNT 2 TIMES AND NO INVESTIGATION OR RESULTS ABOUT THE DISPUTE WERE RECEIVED AND THE ACCOUNT I'VE DISPUTED WAS PLACED ON MY CREDIT PROFILE IN CONNECTION WITH IDENTITY THEFT, AND HAS REALLY AFFECTED MY SCORE.
Consumer complaint received 2022-05-16
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 — Problem with personal statement of dispute
Company: Tulsa Adjustment Bureau (OK)

XXXX XXXX XXXX I recently obtained a copy of credit report and XXXX is reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I have requested that they allow me to validate the alleged debt. To provide me a breakdown of all charges, dates of service, and procedures given including fees associated. 
Addictionally, I am allowed under the HIPPA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my requested is twofold and as follows ; Validation of Debt and Hippa Authorization -Please provide a breakdown of fees including any collection cost and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me To send this information to my mailing address listed above and accept this letter as my formal validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt be HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I requested FULL documentation of what they received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute : TAB SERVICES THANKS
Consumer complaint received 2016-11-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Garcadia Financial LLC (OR)

I paid for a dealer extended warranty as part of my car purchase in XXXX. The cost was {$2300.00}. It is itemized on both the installment and retail purchase agreements. In XXXX, I received a letter from XXXX XXXX that the dealership had been sold to XXXX XXXX and the extended warranty would NOT be honored without any sort of refund of the {$2300.00} which I was/am paying for at 11+ % interest. 
When I informed my lender, Foursight Capital of this fact in XXXX, it was ignored. I just called again on XXXX to inform/discuss this issue with Foursight. At this point I was told that Foursight did n't care that they, and I, are in effect being stolen from because Foursight already paid the money and its between myself and the dealership. 
I find this response by Foursight to be not only unethical, but also incredibly disrespectful of a consumer using their service because they were the lender chosen by the dealership. I had requested the dealership fund the loan through XXXX XXXX XXXX XXXX where I do business. While I can not prove it, my previous experience as a Underwriter in Manufactured homes tells me that Foursight offered the dealership points in order to fund the loan. I believe this is part of Foursights ' refusal to respond to the " theft '' of {$2300.00} by XXXX XXXX. 
Please find attached the full installment contract ( in XXXX scans to get the whole thing ), receipt for finishing paying DMV for my title transfer ( it is an itemized item for the correct amount on my installment contract and the attached retail contract ), retail auto purchase contract, letter dated in XXXX 2016 from XXXX XXXX announcing its ' purchase by XXXX and revocation of the warranty ( which is an itemized subject on the contracts for {$2300.00} -- not including the interest that has accrued since my purchase in XXXX ), and XXXX statements from my servicer/lender Foursight Capital who refused to do anything about the warranty revocation when I informed them of the revocation telling me that it was n't their problem even though Foursight Capital had paid the funds as part of funding my purchase. 

Thank you and have a good day, XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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: SYNCHRONY FINANCIAL (OH)

PayPal credit has any purchase over {$99.00} put into a 0 % for XXXX  months. However, I have made a purchase then return it and once PayPal receives the merchant credit, they are not applying it to the original purchase. This could cause me to pay more in interest even thought the item was returned. Example a purchase of {$160.00} was made it is 0 % till XX/XX/XXXX. I return the item. Merchant refunds {$150.00} They do not apply merchant credit to that purchase they apply it to a purchase that 0 % expires in XXXX. Even though they are completely different merchants. This is one of example of four complaints I currently have made with PayPal. They could be doing this to many people and they might not realize it and in turn could be paying interest charges they might not really owe.
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (AZ)

Discover Financial ( as listed on the caller ID ) using the number XXXX has repeatedly called my XXXX-year-old grandmother at her phone number multiple times per day every day for the past two weeks to collect my debt. She has told them every time she talks to them not to call her because she is not involved in the matter. Discover financial has my number on file. How did they even get my grandmother 's phone number?
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PLS GROUP, INC (AZ)

I received the temporary XXXX card from a PLS location in XXXX somewhere on or around XX/XX/2021. Not even a week with the temporary card, I attempted to report my card ( my entire wallet ) stolen with PLS, but ( first ) the customer portal would never allow me to log on appropriately and every time I went physically to a PLS location in XXXX, I was told time and time again that I had to wait for the new card. Which wasn't being mailed to the address PLS has on file for me, but the new/permanent card would be mailed to the store location instead. It has been a year, I still have no card to replace the temporary one stolen, but the permanent card from XXXX card never came to my residence. Not one of the PLS representatives attempted to find any resolve with the situation I was dealing with and just tried to pass the job off to someone else or tell me I had to wait instead of finding a feasible resolution to the problem. Until this day I can not get in touch with any customer agents internally within PLS. I did file an official XXXX Police Report on this matter ). My entire wallet including the temporary card and info were of many things recently recovered within the contents of my things. 

The following transactions are in question : XX/XX/2021 : {$5.00} fee XX/XX/2021 : XXXX XXXX {$47.00} XX/XX/2021 : Charge {$250.00} XX/XX/2021 : Charge {$5.00} XX/XX/2021 : Charge {$5.00} XX/XX/2021 : Withdrawal {$480.00} XX/XX/2021 : Deposit {$700.00} XX/XX/2021 : Deposit {$100.00}
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business, XXXX XXXX and I'm only a XXXX  since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes because it is my only one source of income. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Consumer complaint received 2020-04-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PREVIOUSLY DISPUTED AN ACCOUNT THAT I NOTICED WAS ON MY PROFILE WHEN I REVIEWED MY CREDIT REPORT, DISPUTED THE ACCOUNT 2 TIMES AND NO INVESTIGATION OR RESULTS ABOUT THE DISPUTE WERE RECEIVED AND THE ACCOUNT I'VE DISPUTED WAS PLACED ON MY CREDIT PROFILE IN CONNECTION WITH IDENTITY THEFT, AND HAS REALLY AFFECTED MY SCORE.