davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MN)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX v. XXXX, XXXX XXXX  XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. 

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. 

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NEXA Mortgage, LLC (PA)

PER THE DEPT OF VETERANS AFFAIRS-CONSTRUCTION AND VALUATION. THE APPRAISAL FEE OF {$1000.00} HAS NOT BEEN PAID TO THE APPRAISER, XXXX  DAYS LATE, SO THEY SUGGRSTED TO FILE ( VA CONTACT XXXX. 

XXXX TOTALING {$1000.00} PAID TO XXXX XXXX ( XXXX ). VA XXXX # XXXX ADDRESSED APPRAISED XXXX XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc. (PA)

I.C SYSTEM INC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCT XXXX I.C SYSTEM INC is known for its illegal debt collection tactics. The same in this situation I have no contract with this company never did. They're a 3rd party debt collection agency. Who bought an old debt and trying to re collect and profit. Once a debt is bought it's discharged. You can't buy and recollect on the same alleged debt. this company is in Violation of 15 USC 1692 ( c ) If a consumer notifies a debt collector that the consumer refuses to pay debt. The debt collector ( s must cease all communication. 

This has been effecting my credit for well over 180 Days. After 180 days the debt must be removed from the consumers report immediately.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My Premium Rewards Visa Signature credit card issued by Bank of America was closed by the bank on XX/XX/year>. But the Bank of America never informed me that my account was closed. The credit card Client protection department told me because I did not update my profile. I have checking account, credit card account, and retirement account with Bank of america for many years. I never received the request of updating my profile. My credit card account was charged {$95.00} annual fee on XX/XX/year>. It is only 13 days for me to use the credit card after I paid the annual fee, so I called the credit card customer service to request annual fee refund. But they did not refund me the {$95.00}. It is not fair that the Bank of America charged me the annual fee, then closed my account without refund the money. I request Bank of America refund me the {$95.00} annual fee.
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (WI)

in accordance with the fair reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NJ)

I have an account which all over the documentation and over a recorded line mentioned to me as well as in person when I opened it up that if I leave {$500.00} in my account there will be no service charges or fees. I do not have to do anything swipe my debit card or do any transactions and I will NOT be charged any fees or service charges on the account forever. 

I spent 2 weeks for them to refund my fees for an illegal service charge placed on my account on XX/XX/XXXX after XXXX year from my account opening date. 

I was not notified of any charges being done my notifications were shut off and I am sure I set up alerts countless times. 

Then after that for 1 year they kept taking account fees. I just got my account refunded last week on Friday XX/XX/XXXX and I look into the account again there is another Illegal Service charge. It took them over 2 weeks and many many calls and I am frustrated I have lost at least XXXX dollars of income during these calls and the frustration of keep following up with them is just too much Stress. 

Below is the history of the account. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$15.00} {$480.00} XX/XX/XXXX {$500.00} Active Balance since XX/XX/XXXX This is with PNC Bank and it is a business checking account I created in XXXX of XXXX.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name-XXXX XXXX  XXXX Account name-XXXX XXXX- XXXX Account name-XXXX XXXX XXXX Account name-XXXX XXXX XXXX Account name-XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15  U.S.C 1681 Section 604 A Section 2XXXX It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crime which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.
Consumer complaint received 2024-06-17
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. (AL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2016-11-14
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (FL)

nationstar mortgage fraud and illegal debt collection practices. trying to foreclosure and suing under XXXX on a mortgage loan that was settled in XX/XX/XXXX by XXXX through their law firm when we informed then they just keep trying to collect what we believed to be a settled debt recorded in the public record and for 3 years they did nothing either in court or through XXXX to address the situation until now after the filing a lawsuit for a property they claim to be the servicer of but county records show was assigned ( sold ) to them after we were informed the debt was satisfied in XXXX XXXX the fraudulent activity by all the parties from origination in XXXX to present false information with the court filing should be invested to see who to bring criminal charges against. will not provide the closing documents to show who ( XXXX ) funded this loan if it was funde at all? charges to maintain a property I live in and they do not maintain it I do, charges for property inspection, some mouths shows two or more of these charge.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (GA)

On XX/XX/2024 after checking my account balance I notice I had 3 unauthorized charges on my card from a in store purchase. I had never been to that XXXX location nor had I made the purchases. I called my bank immediately and disputed them. I was told one of the charge I was given a credit for immediately the other two I would have to wait 10 business days I call in within the 10 business days to check the status on XX/XX/2024 to only find my claim was denied and my credit was denied due to the card never leaving my possession and the pin being used. So I told the representative I didnt have the card I must of have drop it when I last used it but I wouldnt drive almost XXXX miles one way just to go to no XXXXt when I literally live 10 mins from one. She asked again did I have the card in my possession I told her no she filed the claim again and told me a again wait 10 business days for your provisional credit I waited those 10 business days which fell on XX/XX/2024 she made that very clear. On XX/XX/2024. I called in to Citibank to check the status of my claim and provisional credit only need to hear that the examiner has until XXXX to make a decision. I should know my decision by XXXXXXXX XXXX XXXXXX/XX/2024 No decision was updated after XXXX so I proceeded to call first thing that morning around XXXX on XX/XX/2024 to Citibank to get the status I was told that the claim wasnt filed until XX/XX/XXXX which I will wait until XX/XX/XXXX after XXXX  to find out the status of my claim XX/XX/XXXX XXXXXXXX XXXX  I call back once again to check the status of my claim and provisional credit where I was told again by another representative, the claim was processed until XX/XX/XXXX, so I will have to wait 10 days after XX/XX/XXXX get a decision on the provisional credit and possibly the claim. So everytime I call they push the date back further n further and would not give me a clear date. The guy threaten to close my account if I keep calling in because that not what they there for. Which was rude and unfair. So now I want to move forward with legal actions because the not what your contract states or what is read off to your customer when filing a dispute. I warn future customers to stay away from this bank
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I attempted to pay total balance in XX/XX/year> for my Target Card. There was a decrepency in amount due to late fees being applied. As a result of unknown fees and not receiving emails or paper mail, I did not know there was a balance due/. I found out only because XXXX notified me of 30 days past due negative report on account. I opened disputes
Consumer complaint received 2024-07-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

I have asked multiple times to have items investigated, and removed. They keep saying " it's not valid '' provide proof, etc. I have given them, ID, SS Card, Police Report, FTC Report, address verification. AND STILL they refuse to look into my claim of fraud. I am a XXXX XXXX XXXX XXXX and I live on a fixed income. This is like being victimized over and over gain by the bureaus as well as the fraudsters. 
They didn't like this so they sold of fraud debt to a debt collector. I completed a packet for them and they still wont do anything about it.
Consumer complaint received 2024-07-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (IN)

I received and email from XXXX XXXX/TD Bank that stated If I opened my account prior to XX/XX/XXXX, I needed to reset my password. I made several attempts, but each time, the system stated that my information was incorrect. Now I am locked out of my account. I have tried calling this company numerous times at the provided telephone number ( XXXX ) XXXX. However, nobody answers the telephone. I have waited at times for over XXXX hours during their normal business hours and nobody will answer the telephone. Now I am locked out of my account, and nobody will assist me with gaining access to the account.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

I had XXXX dollar loan from Alphaeon credit  thru Comenity bank for dental implants from XXXX XXXX XXXX for my wife. We paid XXXX cash beside loan. Promo ended with me borrowing half through XXXX flex pay CC and remainder from my XXXX loan on my home. The balance transfer fee was the amount my loan fell short of complete payment on XX/XX/XXXX. Comenity bank nor Alphaeon credit informed me of shortfall and my contact info is known to them. XXXX XXXX XXXX in XXXX Florida would never return my calls for assistance nor would the dentists I knew personally help in the slightest. I have paid 28.99 % interest on entire loan and tho I have kept loan current I still owe over XXXX dollars ; ; over the XXXX dollars they should have informed me of. I have shown a lifetime of credit worthiness and have always dealt in good faith. I have dealt with XXXX XXXX and now regret it. I will have paid roughly the same amount for wifes teeth as the home I bought in XXXX. Please help
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DE)

On XX/XX/year> XXXX from XXXX called my employer in Alabama and had them contact me in the field negatively dispensing personal business to sour my standing with my employer. Then called again on XX/XX/year> on my company owned cell phone and again XXXX stated he was from pre-legal and threatened to continue calling my employer not personal contact information sources. I told him to send any further communications through the mail. He also stated it was a recorded line raised his voice making threats then hung up.
Consumer complaint received 2024-07-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

ON XX/XX/XXXX I RECEIVED A CHARGE OF {$1800.00} ON MY CREDIR CARD NUMBER ENDING IN XXXX. I DISPUTED THE CHARGE AND RECEIVED A NEW CARD ENDING IN XXXX. THE DISPUTE WAS DENIED ON XX/XX/XXXX BY XXXXITIBANK. I SENT A CERTIFIED LETTER WITH MY ATTORNEY ON XX/XX/XXXX. I HAVE NOT RECEIVED ANY RESPONSE
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (AZ)

I received an email from an unknown person and it said that they had my XXXX card number. Which they did, they put the entire number on the email which is the only alarming part about this whole thing. It was a scammer saying that they found this information on a XXXX website, which Ive never paid for or put my card number into ever, they also said that they had a video of me while watching XXXX and that they would send this out to my closest friends if I didnt send them {$1000.00} on bitcoin. I normally do not fall for this or even click on the link, however, this was a bit different because they had my card number correct thats the only reason I am going through this process.
Consumer complaint received 2024-08-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (AZ)

Company Information : Company Name : IQ Data International , Inc. 
Address : XXXX XXXX XXXX XXXX, WA XXXX Complaint : Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against IQ Data International , Inc. regarding their handling of a debt that they claim I owe. I was not aware of this debt, nor did I receive any certified letter advising me of my right to dispute the debt. I believe that IQ Data International has violated several consumer protection laws in their collection practices. Details of the Complaint : 1. Failure to Provide Notice of Debt : - According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to send the consumer a written notice within five days after the initial communication, detailing the amount of the debt, the name of the creditor, and a statement of the consumer 's right to dispute the debt within 30 days. I did not receive such a notice from IQ Data International.

2. Violation of Fair Debt Collection Practices Act ( FDCPA ) : - IQ Data International has failed to comply with the FDCPA by not providing me with a certified letter informing me of my right to dispute the debt. This is a direct violation of my rights under the FDCPA. XXXX. Possible Violations of the Fair Credit Reporting Act ( FCRA ) : - The FCRA, 15 U.S.C. 1681, mandates that debt collectors must report accurate information to credit reporting agencies. Since I was not aware of this debt and was not given an opportunity to dispute it, any negative reporting by IQ Data International on my credit report would be inaccurate and a violation of the FCRA.

4. Violation of the Fair Credit Billing Act ( FCBA ) : - The FCBA, 15 U.S.C. 1666, ensures the right of consumers to dispute billing errors, including unauthorized charges. Without proper notification of the debt, I was deprived of my right to dispute the debt under the FCBA.

Relevant Lawsuits : - IQ Data International has faced several lawsuits for similar violations. Notably, the case " XXXX XXXX. IQ Data International , Inc., '' where the plaintiff alleged that IQ Data International failed to provide proper validation of debt and engaged in unlawful collection practices. This case, among others, highlights a pattern of behavior that violates consumer rights and supports my complaint.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (FL)

Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. US Bank has allowed an unauthorized inquiry on my XXXX credit report that i want removed. Attached is a word document which is the exact letter i printed out and sent to US Bank via certified mail today to an address that is found on their website. I let them become aware of what it is i want and the current situation. In the letter i also let them know that i would be copying the cfpb so it would force them to respond. Thank you!
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I am submitting this complaint due to deceptive practices and potential fraud related to the purchase and financing of my vehicle. Here are the key facts : Purchase and Financing Discrepancies : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The dealership provided me with a XXXX XXXX containing all relevant documents, including a XXXX form and a Retail Installment Sale Contract ( XXXX ). 
The XXXX form from the dealership did not list America First Credit Union as a lienholder, but the bank 's version, dated XX/XX/XXXX, did. 

Unauthorized Assignment and Misrepresentation : The dealership submitted a loan application to America First Credit Union using outdated information, which I filled out without knowing it was for this bank. 
I discovered that the dealership sold the vehicle contract to America First Credit Union without my permission. 
The discrepancies between the documents provided by the dealership and those from the bank indicate potential misrepresentation and fraudulent practices. 

Emotional and Financial Harm : The deceptive practices have caused significant financial harm, unexpected financial obligations, and potential damage to my credit score. 
I have suffered substantial emotional distress and XXXX exacerbating my existing XXXX. 
The situation has impacted my ability to support my dependents and navigate the current economic climate as a single parent with a XXXX elderly mother and long XXXX 

Current Actions Taken : I have submitted complaints to the dealership, bank, XXXX XXXX XXXX, Federal Trade Commission, and the XXXX XXXXXXXX XXXX XXXX XXXX. 
I am now submitting this complaint to the CFPB to seek further resolution.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (FL)

Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. Elan Financial Services has allowed an unauthorized inquiry on my XXXX credit report that i want removed. Attached is a word document which is the exact letter i printed out and sent to Elan financial services via certified mail today to an address that is found on their website. I let them become aware of what it is i want and the current situation. In the letter i also let them know that i would be copying the cfpb so it would force them to respond. Thank you!