davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-20
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: Onity Group Inc. (CA)

I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (TX)

Credit karma sent me numerous of emails and also advertised within the website on my account that I was preapproved for a credit card and when I applied I wasnt approved which caused damage to my credit because of the hard pull of credit score.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

I paid off & closed my card with XXXX. After paying it off I received a {$290.00} credit for a purchase for a concert that got canceled. The bank received this credit back on XX/XX/22. Instead of sending me a ck immediately since the acct was closed they sent me a statement with a credit bal. When I got the statement on XX/XX/22 I called & asked them to send me the money, which they said they would. On XX/XX/22 I called again because I had not received the check yet and they told me that they had not sent it yet & were experiencing some delays. I asked them to overnight the ck and they refused. I thought it fitting since not only did they hold on to funds that belonged in an acct that was no longer active and had a XXXX bal. and waited for me to ask for it, but because 10 days had gone by since they told me they'd send me the refund chck. I have no way of knowing how much longer I have to wait for this money to be returned to me. They may delay it again for all I know. At least with the promise of an overnight I'd know right away if they're working on my refund or not.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

complaint # 1 : I closed my AMEX Hilton Honor account awhile ago because of the following poor service/amex employees lying/ and false information they saved to AMEX erp systems. Before I closed my account, I initially called to ask that the " close '' date to be changed to a certain date of each month. the customer service agent said not that the date requested of the XXXX but said could change it to the XXXX of each month. I agreed. However, I could tell soonafter that the " close date ' of my account enting in XXXX was changed to something else by logging into my account on amex 's credit card owner portal. I called AMEX again and the agent apologized for AMEX 's error. The agent confirmed to me the " close '' date for the account would be changed to the XXXX and admitted to and apologized for Amex 's error. I could tell soon later though that the close date was changed to something else by logging into my account on amex 's credit card owner portal. I called again and the agent apologized for AMEx 's error and promised the 'close date '' of my amex account would be changed to the XXXX of each month. but again when I went onto AMex 's portal for account holders the same error was being made and the 'close date ' of my amex account was not changed to the XXXX of each month! I went thru this 4 or 5 times. in the FINAL call back I made to amex, the amex agent stated the records showed in error andstated perjurious information that I agreed to the 1st of each month which is a total LIE!!!!!!!!!! So out of anger and frustration I closed the account. I strongly believe this aggravation by Amex, AMEx employee 's lying, and Amex employees intentionally entering false information may be because of financial inducement and/or other criminal activities done and/or threatened to amex employees by criminals who are targeting me, my home and all my other properties I own. <end of complaint # 1> ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... <start of complaint # 2> complaint # 2 : I requested via a letter Dated XXXX XXXX to amex to re-open the account but under the condition that the account have a close date of the XXXX per each billing cycle!!! I finally got a letter today ( XX/XX/2022 ) dated XX/XX/2022 to call XXXX customer service to " assist you ( jye ) further '' with request for " account Reinstatement ''! when I called the phone # though after giving out information that I think they should have already the agent stated the account could not be re-instated afterall!!!! Why did the Amex send such a letter if that was the case and just state that I would need to apply for a new account! <end of complaint # 2>
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I have reported this company through XXXX, XXXX I have sent several request to remove this debt for inaccurate information. They keep updating information on my report instead of removing it or providing me with a debt of validation as i requested. They removed it from my XXXX report but keep updating the XXXX and XXXX. I have no clue who this company is and I need them to remove it from my file. I have never received and emails or mail from this company or phone calls at any time.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (PA)

I am XXXX XXXX submitting this complaint against RADIUS GLOBAL SOLUTION and there is no third party involved. RADIUS GLOBAL SOLUTION did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Consumer complaint received 2022-08-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Financial Credit Network Inc (CA)

At XXXXXXXX XXXX Friday, XXXX XXXX, 2022, I received notification of a voice mail. I listened to the voice mail and the lady 's name was XXXX XXXX and she said she was calling from the Office of Financial Credit Network at XXXX. 

Unfamiliar as I am with this company, I XXXX  it. It turns out they are a debt collector. The Office of Financial Credit Network has violated state and federal law because I have notified all creditors IN WRITING that ALL communication with me is to be IN WRITING. I want a claim filed and to be reimbursed for the Office of Financial Credit Network violating federal and state law. 

Thank you very much for your time and assistance.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION ()

the staff XXXX XXXX from M & T bank even hang up the phone while i was begging for help with internaitonal call! how terrible! i serched for complaints and found your bureau, what a relieve! 

i was a XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ) in XXXX i opened an account with them. I came back to XXXX, XXXX in the same year..and brought my M & T card with me. and as i am in XXXX, i could not use the card ... after some years the card expired, but i kept receiving emails from them and filling forms to maintain the card. 
last month i had the international call with them, actually i called for many times and each time 30-60 mintutes -- international call! and after the virtual meeting and providing a lot of information they activated the card for me, but they say i can't use it as i have to put in the social security card number in their office. i told XXXX that i am not a XXXXXXXX XXXX, and i would not go back to XXXX. and she said, then you can not use the money! she asked me to call customer service. then i called immediately. the girl said i could update my XXXX address and call back after 15 days to require them sending the physical card. and i did so... today is already 20days and i called back, only to find the people say that they could not send the card and i have to contact XXXX. 
Then i called XXXX again, asking her if i could not use the money either online ( as they say i have to be in the office in US to input the social security no. ) or off lince ( as they do not willing to send the card due to the same reason ), then what is the sense for all the international calls made them ( each time 60 minutes for sovling the problem ) and even meetings to show all the information and documents including passport, driving licence, social security card, etc. 
i said to XXXX, you know i would not go back to XXXX as i m not a XXXX, and i had showed you all the information that you require... and you activate the account for me, so you have no doubt about my identity, then why you prevent me from using my {$1000.00} dollars either on line or offline?? she said she herself had no way. and i begged her to think of a suggestion or a person to refer to... she said no. and she hang up the phone... 
I understand the bank rules, and new situations always emerge, people are used to solve the new problems..otherwise, roberts can take up the work..and today she hang up the phone. that's really rude, even from an ordiinary person! she is from the banking service! 
my requirement is let me use my own money, either online or off line or any other way like you transfer the money to my XXXX account!
Consumer complaint received 2022-03-06
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. (TX)

This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2022-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (FL)

Avante USA is furnishing four medical collections accounts on all three of my consumer reports. The bills have tremendously decreased my creditworthiness, reputation and ability to receive medical treatment that is gravely needed. Each of the accounts were placed on my consumer report without my knowledge. I did not receive any correspondences about this debt prior to this debt being furnished. I was denied the opportunity to dispute the validity of this debt. I am requesting this company verify this debt before reporting negative information. The service dates and amounts are the first inaccuracies I noticed on my consumer report. I would like for Avant to stop reporting these alleged amounts on my behalf and send me a debt validation that contains valid information. Stop using deceptive practices to attempt to collect and alleged debt that has not been validated. According to the FDCPA aggressive, deceptive and unfair business practices are not permitted. The denial for me to dispute and validate this debt. Has caused me to be completely stressed out by adding information to my consumer report that depleted my character, reputation and credit worthiness.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (LA)

My complaint is regarding bogus charges/fees to my account. The information they are stating to me is not accurate. 
In XX/XX/2021, i received a statement saying i owede XXXX balance which should have been my final payment. I paid the XXXX. I got another statement at the end of XXXX saying i owed XXXX. I paid that. In XXXX i get a bill saying i owed XXXX in late fees. As i was never late, i couldn't understand. I called to find out the charges. They told me they would wave XXXX late fee but i had to pay the remaining. I asked several times what was the charges for. No explaination. I then decided to spare my credit, i would pay the XXXX even though i knew i didn't owe it. I just wanted my credit clear. Bur they keep billing me and im at my witts end. They sent me a bogus statement saying in XXXX, i owed XXXX but i really only owed XXXX for XXXX. So i was able to find my statement for XX/XX/2021. It had a balance of XXXX. XXXX. Next payment due XX/XX/XXXX in amount of XXXX. I paid XXXX on XX/XX/XXXX. I made a purchase of XXXX. XXXX on XX/XX/XXXX. My next payment was XX/XX/XXXX in amount of XXXX. I made a XXXX payment all the way up to XX/XX/2021 when i made the XXXX. Payment. I can find no logic for me owing XXXX as they claimed i owed in XXXX. I did electronic payments through my bank. I never missed any payments and didn't make any other charges. I have begged for them to look at this error that has obviously been made. 
to the correspondence that was sent to me, the have my XXXX balance as XXXX there is no way possible my balance could have been XXXX when I made no charges, was never late on payment, never missed a payment. My balance was only XXXX. The statements I asked them to provide a copy of the statements, not these typed up letters they are submitting but actual statements to prove to me where these extra charges come from. I have made one purchase this year. XXXX. I'm begging for a resolution because I don't owe this money. I promise I paid what they billed me!
Consumer complaint received 2022-08-19
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. (NC)

In accordance with the Fair Credit Reporting Act, Experian and XXXX choosing to report XXXX XXXX XXXX XXXX Account # XXXX on my consumer credit report has 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 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions and consent, Which I did not give Experian or XXXX at all. 

Also under 605B of the Fair Credit Reporting Act, Experian and XXXX are supposed to block and remove all fraudulent information no later than 4 days of receipt of Identity theft documents in regards to the fraudulent information. I clearly provided those documents to Experian and XXXX and they accepted those documents. 

They then deleted the said account Under the name of XXXX XXXX XXXX XXXX Account # XXXX and then added it back to my report without notifying me of them adding it back to my consumer report which was another violation of my consumer rights. 

In accordance with the requirements of the FCRA section611 ( a ) ( XXXX ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. 

This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard of the law. 

Throughout all of this going back and forth I have been nothing but professional with how I have handled Experian and XXXX. They have yet to show me any so-called proof of this account being verified that they keep claiming that it is. 

This is my last attempt at settling this in an easy way, if Experian and XXXX do not delete this fraudulent information from my report I am going to seek litigation for actual damages and seek financial remedy for each FCRA violation they have committed toward me throughout this whole experience. I will join in on the class action lawsuit Experian already has which shows their incompetence and unprofessional practices. 

In the documents below I have included my *Federal Trade Commission Identity Theft Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Experian and XXXX * XXXX XXXX XXXX XXXX XXXXr Experian and XXXX XXXXSocial Security Card * License
Consumer complaint received 2022-08-19
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)

CFPB + XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX, On a recent review of my credit report, I discovered XXXXXXXX XXXX XXXXXXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify XXXXXXXX XXXX XXXX XXXX that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Attached to this complaint are : - Written letter of complaint - Copy of my drivers license - Copy of my social security card - Copy of proof of address via a bank statement
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grant & Weber (FL)

CFPB + XXXX XXXX XXXX XXXX Grant & Weber Inc, On a recent review of my credit report, I discovered Grant and Weber Inc reporting the collection account referenced herein.

Pursuant to the Fair Debt Collection Practices Act
( FDCPA ), I hereby notify Grant and Weber Inc that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Attached to this complaint are : - Written letter of complaint - Copy of my drivers license - Copy of my social security card - Copy of proof of address via a bank statement
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, On a recent review of my credit report, I discovered XXXXXXXX XXXX  XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify XXXX XXXX XXXX XXXX that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - Written letter of complaint - Copy of my drivers license - Copy of my social security card - Copy of proof of address via a bank statement