davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (TX)

I have disputed Regional Acceptance many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately however they have not responded to any of my direct disputes with them. I have been writing to them for almost a year and they have not responded once!!
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

XXXX XXXX is claiming I owe them {$500.00}. I have asked for verification of the debt for months. XXXX has never verified the debt ( what it is for with receipts and proof I owe it ). XXXX hired Transworld SYstems Inc., a collection agency, to attempt to collect this unverified and baseless debt. I have a perfect credit score and I never have debt owing. This is defamation of character and harassment.
Consumer complaint received 2022-10-01
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  account numbers XXXX and 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 XXXX. states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-04-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PACIFIC WESTERN BANK (CA)

They never answered me with details of this account. They said it was frozen, now they say it was closed. Insufficient reply, without all the account details. Just to say the account is closed is not good enough, especially when th e U.S. Justice Dept. Had a case against this bank when it failed, regarding corruption. The bank name was *Affinity and it changed to *Pacific Western Bank . I 'm requesting an inv estigation as a consumer, with your agency.
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I opened a CitiGold checking account online in XXXX of XXXX. At this time I was already a Citibank customer with an credit card account that earns their 'XXXX Points '. The checking account was opened using a promotional offer that Citi had, which provided a bonus XXXX Points ( worth approximately {$500.00} ) once the following conditions were met : that I make XXXX bill payments in XXXX separate months within 2 months of opening the account. I opened the account, and verified ( via Secure Message and using their Online Chat application ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told in accordance with the promotional terms that the bonus points will post within XXXX statements or 90 days of completing the requirements, which would have been XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have paid {$90.00} total in monthly fees to Citi, and Citi has not upheld its side of the promotion. Citi now claims that I was never eligible for the promotion, despite the fact that they confirmed my eligibility several times and provided specific dates and milestones that correlated to that eligibility. This is very unfortunate in that in the seven months this account has been open, numerous Citi reps have confirmed my enrollment in this promotion, eligibility and satisfaction of the promotion requirements to earn the bonus for this checking account. The last Citibank rep I spoke with told me that the points would post within 90 days of meeting the requirements. Only now, after they have collected fees for 90 days of waiting, did Citi decide to inform me that I am not eligible. If I was ineligible, why was I not informed earlier? I understand that Citibank reserves the right to 'target ' specific customers for promotional offers, however, the onus is then also on them screen applicants who apply for their eligibility for said offers. Instead, I was able to open an account under this promotion, and then falsely told multiple times that I would receive a bonus which is now not being honored. Therefore, I find this practice to be very deceptive and would like to file a complaint.
Consumer complaint received 2016-08-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MI)

I opened a Citigold account today based on a promotional offer ( Promotion Code : XXXX ) XX/XX/2015. I met the terms of the promotion as confirmed by Citi representatives in two separate instances ( attached ). 

When the promotion points did not post to my account after 90 days of meeting the promotion requirements, initially Citi first said that was because I was not targeted for this promotion. When I showed then that I was targeted, they took another 60 days to respond with a different reason for rejection. This time they cited Terms and Conditions that did not exist with the promotion I applied under. Specifically they stated " Citibank only offers one promotion per customer, as stated in the terms and conditions. '' while the promotion terms and conditions stated " To be eligible for this limited-time offer, you must not currently have a consumer checking account with Citibank. You are not eligible for this offer if you were a signer on or owner of a Citibank consumer checking account within the last 60 calendar days. '' How can XXXX Citi agents confirm that everything is OK and I will be getting my points soon, and then another agents gives a completely different answer? Who is a consumer supposed to trust? If XXXX Citi agents, on different occasions are not able to accurately understand the terms of the promotion, how is a consumer supposed to understand?
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NJ)

Previous to this complaint I had lodged one other complaint directly to the CFPB. That complaint was Case Number # XXXX. The second complaint came through the SEC as complaint Case Number # XXXX. In New Jersey, the court system is corrupt and XXXX XXXX XXXX XXXX XXXX has garnished favor from the court system to run roughshod over the state producing an effective foreclosure mill that should be investigated by the highest members of state. I have personally run across members of lawfirms that have given up fighting the corruption because the banks represent huge power structures whose poison has infected sound and fair judicial decisions. The status quo in New Jersey is now, push foreclosures through the system as quickly as possible to secure the hard asset, and deal with whatever circumstances at a later date, should that happen to be the case. I highly doubted the CFPB was going to do more in either case than to bring the parties together in an effort to broker a deal. This was not my initial stance. The initial position was for Citimortgage to produce the wet ink document. Without such, there was no case to negotiate. The CFPB contacted Citimortgage under the guise of negotiator, and Citimortgage was allowed to play games and play innocent to secure a position of negotiation. Because of this, a sheriff 's sale was scheduled on XXXX/XXXX/2015, but I have submitted a two week delay for a new date of XXXX/XXXX/2015. How the above mentioned lawfirm got to such a quick sale date still mystifies me, as I had checked the website for sales, and up until a few weeks ago, property sales were locked in until XXXX XXXX, and my property was not even on the ledger. I am currently exercising my options as to remedy this issue. This notice serves as a notation by me to the CFPB as a footnote to future legal settlements. I do not expect the CFPB do much more than what they have already done. I will submit, that I want a documented complaint in which I state in the strongest language, the absolute sinister behavior of the system of jurisdiction and its group of minions who seek the destruction of the average American family. Because these matters are usually addressed in greater detail over time, should this matter come up in the future, let this submission stand, that I have stated beyond a reasonable doubt of corruption, and acts of enrichment, while professionals of law had to sit idly by to watch the perversion of the law and its decimation by the corrupt.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2015, I provided notice to citibank that a vendor charged my card without authorization. To date, the complaint remains outstanding. Last week, I was told an investigation had not even begun. Between XXXX XXXX, 2015 and the date of this complaint, I have contacted citibank by e-mail, by phone, and through their online secure messaging system - yet I still do not have resolution to this unauthorized charge.
Consumer complaint received 2015-10-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (FL)

I was injury at work XXXX XXXX this bill was to be paid by the state of Florida Division of Risk Management. I have gave the company all the information on this case and they still keep holding me accountable for it. This the information that I have gave to them for this bill they need.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (SC)

I was issued a new chip card, and had no idea that i would need to re-enroll in auto-payments. I received a letter stating that my account was past due, attempted to access my account. Could not see any more than 2 months. Talked to numerous customer representatives, none of which were really able to answer my questions. Finally just closed my account. I still have no idea why my account was not paid automatically as I had set up, or why I was able to access only 2 months of statements. I had issues with this company in the past, and was going to close the account, but had been talked into keeping the account open when I had called to cancel. I have a number of other cards and I have no problem keeping the accounts paid on time. There are too many other good companies out there with great cards, this one is awful.
Consumer complaint received 2016-08-30
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates (GA)

This Company named Patients Accounts Bureau and the caller 's name is XXXX XXXX calls my number every hour starting at XXXX. I have repeatedly stated that I am currently unemployed and have not worked for 3 years. 

At first the calls were once or twice a week, now this company is calling every day.
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (IL)

I contacted PNC Bank which was my current mortgage holder in order to refinance my 1st mortgage loan. I was obviously interested in a lower rate and what it would cost me to to do this in order to be beneficial. I was told the total fees for this transaction would be {$720.00} that would include the appraisal fee, credit check and then I would be receiving a credit for this particular product that would make my total costs out of pocket the {$720.00}. There was never any mention of a {$800.00} loan origination fee that later appeared in the documents they sent out and I just assumed that since the loan officer told me this was only going to cost me {$720.00} I figured the credits were going to wipe this out. This never occurred and I ended up having to pay the {$800.00} that I was never told about even after questioning it before the closing. All they said was that it was in the initial paperwork you signed. I do acknowledge that it was in the paperwork but I was also told that this loan would cost me {$720.00}, not {$1500.00}. The company repeatedly tells you every time they communicate with you that the call is being recorded but when I inquired about my complaint and what I was told they never seemed to go back and listen to the calls to verify what I was told and just reminded me that I signed the papers that included the fee. I feel that this was misleading and they should disclose all fees to the customer that stay in their pocket.
Consumer complaint received 2016-11-08
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (OH)

I took out two small ( private ) loans through my University directly to make up the difference in a couple of emergency situations. The lending company is called XXXX. Over the past six months, I have attempted twice to send them the lengthy amount of paperwork they requested for me to ask for deferment on my loans due to financial hardship. Both times, I received no notice of them receiving my forms, so I called them again after receiving multiple letters threatening to send me to collections. I was told that my mail did not make it to them and I would have to send it to them another time. They do not accept these documents in any other form besides snail mail. So, as they asked, I sent the documents a second time. I still received letters threatening to send me to collections for past due amounts. Over a month after I sent the forms for the second time, I called them and demanded to know what was going on. This is after they called me multiple times on an " automated dialer '' to tell me that my account is past due and that I will be sent to collections, and that I had been reported to federal credit institutions for my intentional delinquency. They told me that for the SECOND TIME, they did not receive my request for deferment. What I also learned is that they illegally gave my father, who is not on the account and has no relationship to the loan, information that he was not meant to have access to, and allowed him to put his phone number as a contact for my account. They claim they have no record of speaking to him, but there is no other way his phone number would be put on my account. I was told that my case was being forwarded to an account specialist. Even after my case was supposedly forwarded, I kept receiving the harassing phone calls, and each time, I told them that they had already broken the law by giving an unauthorized person my account information, and were breaking the law with harassing letters and phone calls despite all my efforts to right the situation. Through no fault of my own, this company is seeking to destroy my credit and destroy my life. I was recently diagnosed with XXXX and am having a XXXX. I may very well be XXXX. This callous, unethical and illegally performing lender should be shut down, if not at least fined into oblivion for what they have done to me and to other students who have fallen on hard times after graduating.
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NJ)

I opened a PNC checking account ( performance select account number XXXX ) on XXXX XXXX 2016 in a local branch with a workplace promotion of {$400.00} new account bonus. I have completed all the requirements in XXXX 2016. I have contacted PNC for multiple times about this bonus and was told I met the requirements of receiving the bonus. For my last inquiry on XXXX XXXX 2016, I was told I would get it within 10 days. However, as of today, I still have not received it yet. I have no choice but to submit a complaint regarding this issue to CFPB and hoping PNC would fulfill the promotion.
Consumer complaint received 2015-12-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MO)

This complaint is about bank/financial services during a real estate transaction ( not a bank account ). On XXXX/XXXX/2015 I entered into a contract / purchase agreement to buy a home ( XXXX # XXXX ) at XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX ), XXXX. PNC Bank National Assoc is the Seller who was represented by Service Link ( a XXXX XXXX XXXX XXXX company ), XXXX XXXX XXXX, VP Operations & Client Relations. After conducting home inspections ( {$510.00} ), Buyer and Seller signed Amendment to Sale Contract on XXXX/XXXX/2015. Also, {$1000.00} Earnest money was paid to XXXX XXXX XXXX XXXX ( XXXX, XXXX ) - XXXX XXXX XXXX, REO Sr. Closing Coordinator. On XXXX/XXXX/2015, the Day of Closing, the Seller 's listing agent informed Buyer 's Agent that Seller would not accept the XXXX/XXXX/2015 agreed amount, wanted an additional {$2000.00}, and implicated that Buyer cancelled contract. The house was put back on the market as of XXXX/XXXX/2015. To date I have requested but not received a refund of my {$1000.00} earnest money and the {$510.00} spent on inspections.
Consumer complaint received 2016-11-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (NY)

I returned a lease vehicle to auto mall XXXX in XX/XX/2016 and I made monthly payments to Hann leasing. The lease was for 39 months and I drove the car about XXXX miles. I had a few scratches on the car. I expected to pay something for wear and tear but I received a notice XXXX months after the car was returned for {$2300.00}. I was charged {$1900.00} for paint labor and parts and they indicated I was in a collision?. The car I leased was a XXXX ultima. I would like to pay them a couple of XXXX dollars to conclude this matter. I have read stories on the net they attempt to rip off other consumers with over the top charges. They have an in house mechanic XXXX who is part of this fraudulent charges. My lease was XXXX per month and their charges just happen to be XXXX year of payments. I obtaine the lease thru XXXX XXXX and they obtained the loan for hann leasing.
Consumer complaint received 2016-12-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC (MA)

I applied for this payday loan but the interes charges are too high. the amount I applied for was XXXX and they have been taking money from my back account every payday. I need help. the interest rate is XXXX % for a total of {$1600.00}. I think they are stealing from me. this is not supposed to be so high!! htey did not tell me that when they called me.
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (AZ)

Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX. 

I have made several attempts to resolve this issue with the collections agency choice recovery. I disputed this debt on XX/XX/22 through all of the credit reporting agencies and the response from XXXX was that the debt what accurate each time. 

I am a victim of identity theft and this collections is not mine. This has been reported to the FTC under report number XXXX. A police under report number XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2016-04-25
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (MO)

XX/XX/2015 I contacted Quicken Loans after received an offer from them for a home loan. The offer I received was for 3.625 APR FHA 30 years. After speaking with a few folks and agreeing to our credit being pulled and putting a good faith deposit up, we began the processing of refinancing my partner 's home so that I could be included on the deed to the property and the mortgage. The mortgage broker only offered us a FHA Streamline Refinance and I asked several times if this option will ensure that the Warranty deed for the property is updated to include me name. Each time he assured me that it would ( another Bank had told us we could not do this type of refinance because they would n't be able to add me to the Warranty deed and Title. ) We were quoted an APR of 3.99 % for the FHA streamline and told we should go with this option because any other option would be too difficult since it would require a home inspection etc. We proceeding and closed in about 3 weeks on the refinance. No issues over the last year, until recently we had to sell our home because we are relocating across the country. During the closing process, the title agency determined that in fact my name was never added to the Warranty deed for the property and that while I was liable for the mortgage, had something of happened to my partner I would have had to went through probate court because Quicken failed to update the Warranty dead as promised. This not only slowed down the closing on our home, but added frustration because for a year I had believed based on what I was told I was added to the Warranty Dead for the home and never was. Therefore I was paying on a mortgage to a house which I did not legally own. It was very shady to know that Quicken either failed to update the proper paperwork with our Country regarding the Deed or flat out lied in order to get me secured on a mortgage even though I would not legally own the property. It was very misleading.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FACTUAL DATA CORP. (FL)

This is a complaint against Factual Data, to request removal of my XXXX credit report dated XXXX/XXXX/2015 and XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquiries that appears in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request