davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly. 

I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. 

Reasons for Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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: SYNCHRONY FINANCIAL (MD)

I applied for a credit card from the captive issuer of Sam 's Club, Sychrony Bank. Sam 's Club automatically renewed my membership and charged the credit card even though I never used that card for any charges. I cancelled the renewal, but the credit charge was not reversed. The online capabilities of both Sam 's Club and Synchrony Bank were useless in correcting the errors. The bank wanted paper submissions, and archaic practice in the computer age ( and hard when one does not buy stamps anymore ). Synchrony reported that I was delinquent. When the charge was finally reversed, Synchrony did not correct the reporting error and my credit rating with XXXX was lowered. Both the automatic renewal and the bank 's obstructions on accepting disputes are abusive and coercive.
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (GA)

I am writing to dispute the inaccurate and misleading information being reported on my credit report concerning an alleged account that THIS COMPANY claims i own in the amount of {$640.00}, specifically related to a charge-off. 

Upon reviewing my credit report, I found that your company has erroneously listed an account under my name as a charge-off. Let me be very clear : I have no record of any such debt, nor do I acknowledge any obligation to your company. This charge-off is completely unwarranted and is damaging my credit history unjustly. 

I am formally requesting that you take immediate action to investigate this matter and provide the following within 30 days : 1. Full Validation : Provide a comprehensive account of the original creditor, complete payment history, and a signed contract proving this debt is legally mine. I demand concrete evidence that this account has any legitimacy, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

2. Correction of Records : Should you fail to provide the above documentation, I insist that the charge-off be removed from my credit reports with all credit bureaus ( XXXX, XXXX, and XXXX ) immediately, as you are legally obligated to do so when you can not substantiate the debt.

3. Cease Collection Efforts : Until you can prove beyond a doubt that this debt is valid, I am requesting that all collection efforts cease. Your continued pursuit of this debt without providing the necessary documentation is in direct violation of the FDCPA.

I also reserve the right to take legal action for damages caused by this false reporting and any related harassment. 

This is a final warning. I expect an immediate investigation and full resolution of this matter. You are on notice.
Consumer complaint received 2015-12-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WI)

I am the treasurer of my condominium association and in order to assist in the closing of one of our units, US Bank requested a balance sheet of us ; our CPA provided one at a cost of service {$250.00}. The bank stated the bill would be included in the closing and we would be reimbursed. This promise was made in a number of emails before and after closing. I also demanded payment a number of times to no avail. This last request I was told the new owner would pay the bill. The new owner knows nothing about this arrangement. I can not get satisfaction from the bank and think this is very unfair.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (TX)

Cardholder died on XX/XX/XXXX, and card was immediately unavailable. I was told to send copy of death certificate and court appointment as estate representative before they would talk to me. I sent this information on XX/XX/XXXX as instructed and was told they would call me as soon as they received the documents ( no call ). I called today ( XX/XX/XXXX ) to the number of the card and reached Marcus Investments. They confirmed that they had the information and the card had been cancelled and gave me a direct number to call GM to inquire about the unused points ( amount of {$1600.00} ). The online information for GM shows that unused points can be applied to a GM loan. I was connected with a GM representative and when I requested that the points be applied to a loan, I was informed that the card my husband had was not in that program ( no stipulation on the website about cards ). I asked if I could apply for a new card and transfer the points and was told that was not an option. I can do nothing with the points. This card had been in used since XXXX. I think it is unfair that it was cancelled and the points now can only be used on a purchase and not available for a loan paydown even though their own website shows this is can be done.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NC)

On XX/XX/year>, I received a call from a number that showed up as being from a town in NC. Since I didnt recognize the number, I let it got to voicemail. I got a voicemail from a guy who said he was XXXX XXXX, and stated he was calling in regards to a client wanting to file a lawsuit against me. The number he left as a callback number was a number somewhere in Georgia. Out of curiosity, called the number and got voicemail. So then I called the number where he actually called from. After questioning him about the lawsuit, he claimed that some company ( I recall him mentioning the name of Citi or City- he never specified ) was wanting to file a lawsuit for {$13000.00}. He stated the original balance was somewhere just under {$5000.00}. With the line of questioning he gave me, this would have to be a debt in the excess of 20 years if it is legitimate. He never at any time disclosed who his employer or the name of his business was. He never gave the traditional this is an attempt to collect on a debt statement. As far as I can remember, I have never owed anyone that much money as unpaid for an reason. There is absolutely nothing on my credit report that would show a collectible debt of that amount. He did threaten me with legal action and that they would take my money by any means possible. I did some research on both of the phone numbers, and both came back as showing as being scam numbers. I also searched this guys name and found no association with any type of collection agency. I have screenshots of the voicemail, and my searches mentioned above. Also, when I refuted his claim, he started to get somewhat belligerent with me ( something that is very unprofessional of a collection agent ). The numbers he used was XXXX and XXXX.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

EXPERIAN Violated The United States Code Law I'm annoyed that they have fused the information on my credit profile and that they have failed to keep up reasonable techniques in their exercises to ensure most limited possible precision in the credit reports they disseminate. Credit declaring laws ensure that offices report simply 100 % careful credit information.

15 U.S. Code 1681b - Permissible purposes of consumer reports.Pursuant to 15 usc 1611 { Experian } is criminally liable. This agency is in violation of 15 U.S.C. 1692G. 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. 

Did not consent to the unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 Please Remove It From My Credit Report. 

Did not consent to the unauthorized inquiry XXXX XXXX  Date of Inquiry : XX/XX/2023 Please Remove It From My Credit Report. 

Did not consent to the unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Did not consent to the unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XXXX XXXX, 2023 Did not consent to the unauthorized inquiry XXXX  Date of Inquiry : XXXX XXXX Did not consent to the unauthorized inquiry XXXX  Date of Inquiry : XXXX XXXX Did not consent to the unauthorized inquiry XXXXXXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Did not consent to the unauthorized inquiry XXXX Date of Inquiry : XXXX XXXX Did not consent to the unauthorized inquiry EXPERIAN XXXXXXXX XXXX Date of Inquiry : XXXX XXXX
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

I am writing to express my strong dissatisfaction with the recent changes made to my account ( Account Number : XXXX ) without my consent. I have been a long-standing customer with Citi, and I was shocked to find out that my account was upgraded to Citi XXXX  , a tier I neither requested nor need. 

This change has resulted in the imposition of a monthly fee of {$15.00}, which I find completely unacceptable. Regardless of whether I meet the account requirements to avoid this fee, I did not authorize this change, and I do not use any of the perks associated with Citi XXXX. I was perfectly satisfied with the way my account was structured previously.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist Bank is offering a {$400.00} offer to open a checking account with them. The terms that apply are, you must : - Use their promo code when opening the account online ( which I did ) - Direct deposit {$500.00} into the account at least once ( which I did, twice ) - Make 15 qualified debit purchases within 90 days of opening the account ( which I did, over 20 purchases ). 
- Must have at least {$.00} in the eligible account and be in good standing ( I have over {$500.00} in the account and it is in perfect standing ) Their disclaimer says that it will deposit the money within 30 days of meeting each of those qualifications. It has been closer to 60 days. 

I called the first time ( on XX/XX/XXXX ) and the person that I spoke to agreed that I had met all of the qualifications and told me my money would be deposited in my account on XX/XX/XXXX of this year. It was not. 

I called a couple days later ( on XX/XX/XXXX ) to figure out why, and had the second representative verify that I met all of the qualifications, but she said that they couldn't find an associated promo to my account and would be putting in notes for someone to investigate. A week later I have heard nothing and no funds have been deposited. 

They have sent me no notifications, digital messages, emails, or direct mail communication.. 

Upon looking online, several other people have claimed the same false advertising. You can see some of those examples on this XXXX post XXXX XXXX XXXX XXXX XXXX This is going beyond a single mix-up and more in the range of class-action lawsuit for failure to agree to terms they set forth.
Consumer complaint received 2024-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I called Navient asking about my loan being transferred to XXXX and an automatic payment that is scheduled on the transfer date. I was informed I had no payments due in XXXX. Today, XX/XX/XXXX, I received a billing statement from Navient with a bill for XXXX. I called and received a very argumentative representative who told me I do have a bill but nothing is automatically scheduled. I asked why since I have been on a payment plan and why I am paying over the bill amount. She told me my payment plan has ended and XXXX of my loans are in forbearance now. I never put my loans in forbearance because I have no forbearance available per Navient who continually put my in forbearance years ago. I also never received communications that my payment plan was ending. It had the plan listed as indefinitely previously and now says it ends on XX/XX/XXXX after the loan is transferred. She argued with me and the statement and said no it ended in XXXX. Navient has repeatedly messed up my accounts, given bad guidance, and failed to communicate. Now I doubt my correct loan amount will be transferred if they are still taking payments as they transfer. I was instructed to just pay late since I have a XXXX days grace period and pay XXXX instead. Why is nothing being communicated and why are my loans being placed in forbearance without my awareness. I had to transfer all my XXXX federal loans away from Navient due to their negligence. 

Additionally, the representative said XXXX of my accounts are in forbearance as of now for XXXX. That I was paying {$380.00} instead of the bill 's listed {$200.00} because I was paying interest only for all loans, but now XXXX are in forbearance. I am attaching documentation that says all of my loans are in repayment. Not forbearance. I also am attaching my statements since XXXX showing that every month the bill has only been {$200.00} yet I have been overpaying for " interest '' only {$380.00}, yet my balance has not been coming down even with overpayment. I am also in a XXXX repayment plan, not XXXX months that she mentioned. All the info she provided was incorrect and a lie.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (GU)

I need to get confirmation on what Citibank NA ( US ) collector/customer service told me. 
They said, " that they could give information to my wife regarding my credit card even though she is not on the account ''. They mentioned there was an update on the regulation and XXXX is included they could share information to my wife.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NC)

am writing to formally request your assistance in addressing and rectifying an issue with Midland Credit Management, who is unlawfully and illegally reporting false information on my credit report. These inaccurate reports are significantly diminishing my creditworthiness and causing substantial harm to my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to report accurate and verified information to credit bureaus. In my case, Midland Credit Management is reporting false information related to the debt at hand. Furthermore, I would like to emphasize that I have never signed any written agreement or contract with this company. The reporting of this account and any associated obligations without a legally binding agreement is in clear violation of my rights under the law. Without a valid contract or written consent, Midland Credit Management has no legal grounds to report this debt or any related information to the credit bureaus. I have attempted to resolve this matter directly with Midland Credit Management, but they have failed to correct this erroneous information. Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information, and the reporting creditor is obligated to investigate and rectify these inaccuracies. Their continued reporting of false information violates the law and is causing unjust harm to my credit. I respectfully request that the CFPB investigate this matter promptly and require Midland Credit Management to remove these unlawful entries from my credit report. The presence of this inaccurate information is causing significant hardship in my financial life, and I am seeking immediate relief. Please let me know if you need any further documentation or information to support your investigation. I appreciate your time and attention to this urgent issue and look forward to your prompt response.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a Victim of Identity theft. I have filed several FTC reports and sent them in, and nothing has been done. these are the related accounts. 

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
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IN)

Chase Bank unilaterally decided to change my Freedom Unlimited Visa Platinum card to a Freedom Unlimited Visa Signature card. They claimed this is an upgrade, but none of my card features have changed OTHER than the inconvenience of having to notify all merchants that automatically bill my card with the new end date and CVV. I made multiple efforts to request that I be able to maintain the use of my current card but Chase refuses to honor my request. What is infuriating is that Chase continues to accept applications for the Freedom Unlimited Visa Platinum card, but ignores my requests to allow me to continue to use my current card. Clearly Chase does not care about customer service. I suspect something is not right with Chase 's actions and am inclined to believe someone within Chase has engaged in shady dealings that has prompted a so-called " upgrade '' that is nothing more than a gross inconvenience for me. I have no viable options -- if a close my card account that will harm my credit score and if I request a new Visa Platinum card I'm in the same boat as I am with the new card " upgrade '' that I did not request. Plus, a new card request will negatively impact my credit score. Chase is up to NO GOOD.
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FC HoldCo LLC (TX)

Flagship Credit AcceptanceXXXX XXXX falsely advertised a vehicle online at $ XXXX, but the paperwork stated $ XXXX including a cash down payment. After reviewing my documents and studying the laws, I was misled into purchasing the car at a higher price than the one advertised. After discovering the discrepancy and falsified purchase agreement through signatures not of my own handwriting and accepting insurance not in agreement/requirement to even purchase the vehicle they just in fact wanted a sale, I attempted to rescind the contract and ask for the down payment of {$1500.00} to be refunded in XX/XX/XXXX due to deceptive practices. However, Flagship Credit AcceptanceXXXX XXXX refused to acknowledge my rescission request. 

On XX/XX/XXXX, they repossessed my vehicle without notice, violating my rights. Those rights are as follows : 1. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601, 12 CFR 1026.19 ( e ) ( 2 ) - Failed to disclose credit terms accurately ( e.g., APR, finance charges ) - Failed to provide clear and conspicuous disclosures- Requested and accepted a down payment 2. Federal Trade Commission ( FTC ) Act - 15 U.S.C. 45 - Engaged in deceptive advertising ( false price ) - Failed to substantiate claims 3. Federal Trade Commission ( FTC ) Guidelines - 16 CFR 254 - Made false or misleading representations in advertising 4. Texas Deceptive Trade Practices-Consumer Protection Act - Tex. Bus. & Com. Code Ann. 17 et seq. 
- Engaged in false or misleading representations- Failed to disclose material facts 5. UCC 9-609 - Failure to provide pre-repossession notice - Failed to provide written notice of default and opportunity to cure 6. UCC 9-610 - Unauthorized repossession - Repossessed vehicle without borrower 's consent or court order 7. UCC 9-611 - Failure to provide post-repossession notice - Failed to provide written notice of repossession and sale 8. UCC 9-613- Disposition of collateral without notice - Sold or disposed of vehicle without notice to borrower. 
9. 12 CFR 1026.17 - Failure to disclose credit terms- Failed to disclose credit terms, including APR and finance charges 10. 12 CFR 1026.18 - Failure to provide rescission notice - Failed to provide notice of right to rescind 11. Federal Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 - Engaged in harassment and false representations- Failed to provide validation of debt 12. Texas Finance Code - Tex. Fin. Code Ann. 392 et seq. 
- Engaged in unfair or deceptive practices in consumer transactions- Failed to disclose material facts
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (NJ)

I'm unaware of this debt if you feel this is my debt. I didn't have the opportunity to dispute this debt. I didn't receive proper notification. if you feel this is my debt and proper notification was sent please me a certified copy of proper notification and receipt with my name on it along with my signature. 

Also this company has been calling me and emailing my about XXXX times a day from different numbers. 

Under the FDCPA, a collector can't contact you at an unusual or inconvenient time or place, threaten to harm you, use obscene language, or call you repeatedly with the intent to annoy or harass you. It also provides people with certain rights and remedies against those who violate the law 's provisions.