davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NJ)

Re : Alleged Debt Claim Cease and Desist until Proof of Debt is Certified and Provided via Sworn Affidavit under Penalty of Perjury by an Authorized Competent Witness To Whom It May Concern : This letter serves as my formal response to the continued attempts to collect an alleged debt claimed to be owed by me to American Express ( Amex ). Until such time that a competent witness, authorized to act on Amexs behalf, certifies under penalty of perjury that the amount Amex claims to be owed is indeed due, valid, and legally enforceable, I will no longer engage in any further communications or participate in what I believe to be Amexs fraudulent debt collection activities of extortion, peonage, identity theft, trademark infringement, unjust enrichment, securities fraud and other deceptive business practices causing me continuous harm, damages and injury to which I seek redress.

Further, I hereby notify Amex, its agents, affiliates and representatives that a special tender and performance of an instrument in the amount of one dollar ( {$1.00} ) USD will be issued each and every monthly billing cycle. This tender shall be deemed as payment in full accord and satisfaction of the alleged debt and amount due until Amex can provide the requisite proof of the validity of the amount, or any amount it claims to be owed, not including monthly billing statements, as it has been well-established in numerous court decisions that mere credit card billing statements do not constitute valid or sufficient evidence of a debt owed. In particular, courts have ruled that billing statements alone fail to meet the burden of proof required to substantiate the existence or amount of a debt.

That said, I reserve all rights to challenge the legitimacy of this alleged debt and to take appropriate legal action against any unlawful debt collection practices perpetrated by Amex, its agents, affiliates and representatives.

Please consider this Amexs notice that unless the conditions outlined above are satisfied, I will regard any further contact or collection attempt as harassment and a violation of my rights under applicable federal and state laws.

This notice constitutes Amex 's final opportunity to provide the demanded documentation within fifteen ( 15 ) days of the date of this notice. Failure to comply will result in the immediate initiation of legal action. The preponderance of evidence indicating fraud and theft by deception, carried out with malicious intent to harm, damage, and injure, is now apparent. Should legal proceedings become necessary, this evidence will be presented as admissible proof of Amexs actions.
Consumer complaint received 2024-10-13
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: Resurgent Capital Services L.P. (GA)

I was reviewing my credit report and I realized I had damages on my report. According to the 15 U.S.C 1681 law there should not be any damages to my report. It's a defamation to my character.
Consumer complaint received 2024-10-17
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: DISCOVER BANK (CT)

Charges were made while I was in the hospital and unable to check bills tried for a year to fix fraudulent charges. They claim I gave permission to the fraud on a non transferable card as stated ot the agreement. They sent to sold collections agency. Refuse to fix my credit and resolve the problem.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (CT)

I have Venmo. I transferred my rent to my XXXX account in the amount of XXXX. They said it was suspicious and wanted me to send them a photo ID. I did verify my ID and than they deactivated my account and is holding my money for XXXX days. They wont give me my money
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXXXX/XX/year> Late Payment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Personal Information XXXX : XXXX XXXX XXXX ALSO KNOWN AS 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 XXXXXXXX
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I went to deposit {$XXXX} using the ATM. First, I inserted XXXX {$XXXX} bills, which the machine accepted. It then asked if I wanted to add more cash, to which I responded " yes. '' I proceeded to insert {$XXXX} in {$XXXX} bills, but for some reason, the ATM rejected those bills and returned them. However, it kept the XXXX {$XXXX} bills, canceled the transaction, and did not credit my account for the {$XXXX}. 

I reinserted my card and deposited the {$XXXX} bills in a second transaction, which the machine accepted and credited to my account. However, the {$XXXX} from the first transaction is still missing from my account. 

I have been dealing with customer service for the past 10 days without any progress. They told me they had filed a request to credit my account, only for me to find out later that it was submitted ( by themself ) incorrectly. Meanwhile, Im stuck paying late fees on my credit cards since I was planning to use that money to pay them off. Due to their mistake the provisional credit the offered me, it has also been delayed.
Consumer complaint received 2024-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I am writing to formally dispute a collection account that has appeared on my credit report from IC Systems , Inc. This account does not belong to me, and I have never incurred or authorized this debt. 

Details of the collection account are as follows : Creditor/Collection Agency Name : IC Systems , Inc .

Account Number : XXXX Date Reported : XX/XX/2024 Despite my efforts to resolve this issue directly with IC Systems XXXX XXXX, the collection account remains on my credit report, causing significant harm to my XXXX XXXX and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate information, and that creditors are required to provide verifiable proof of any debt they report. As there has been no such proof provided, I am requesting that this account be removed from my credit report immediately. 

I would greatly appreciate your assistance in investigating this matter and ensuring that my rights are protected under the FCRA.
Consumer complaint received 2024-10-13
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I attempted to use my amex giftcards ( x XXXX  ) at multiple sites online where amex is accepted ( XXXX, XXXX, XXXX ). The transactions continued to decline even though I had sufficient funds. This all occurred today. 

I called amex gift card customer service and they stated it was a merchant issue, not their issue. They told me to continue to try it on other sites. 

Every time I try it it continues to decline, then charges at {$XXXX} transaction fee. 

I have now {$XXXX} in Amex giftcards that I can not use. 

I also purchased an Amex giftcard for a friend before I knew this was an issue. Within an hour I tried to cancel this purchase when I found out these cards don't work but they refuse to cancel it.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : 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 XXXXXX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX XXXX Also Known As : XXXX XXXX
Consumer complaint received 2024-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Zell is trying to send me just under XXXX XXXX dollars for fraud. 
XXXX fraud. 

I have no ability to accept usd payments. I have no access to banking products due to the crimes that XXXX committed that resulted in this fraudulent payment. Most recently when I tried to gain access to my own USD account, the bank threatened to arrest me, and actually called the police. I'm not dealing with this anymore. XXXX XXXX XXXX. Send the money to the bankruptcy estate here : XXXX XXXX XXXX XXXX not contact me again. These attorneys belong in cages.
Consumer complaint received 2024-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC (NC)

I spoke with a representative multiple times.Rudely they advised all the information this loan was taken out under my social and all additional information is incorrect. My work place at the time was incorrect signatures were wrong and they never checked an ID or bank account name or even properly checked for a pay stub to confirm employment.I told them multiple times this is fraud and they need to investigate and remove this from my credit it is XXXX  me drastically. they should not be able to operate.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

This is in reference to case # XXXX, You closed my case without any resolution or follow-up and you need to reopen it and advise what action has it is being been taken against Citizens Bank who severely XXXX XXXX me by refusing to allow me to access my account out of malicious retaliation.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXXXXXX perpetuated identity theft and tricked us out of XXXX. I immediately informed the bank of this fraud and was told they'd inform the receiving bank, but the bank, Wells Fargo Bank, XXXX XXXX XXXX, failed to do so, so I was unable to get my money back.
Consumer complaint received 2024-07-08
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. (NY)

Sure, here 's a sample letter to the Consumer Financial Protection Bureau ( CFPB ) regarding the unauthorized reporting of a negative item on your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally file a complaint regarding an unauthorized negative item reported on my credit report. I have discovered that [ Name of Creditor ] has reported [ describe the negative item, such as a late payment, charge-off, etc. ] to my credit report without my written consent or authorization. This action has negatively impacted my credit score and financial standing.

I have taken the following steps to resolve this issue : 1. Reviewed my credit reports from XXXX, Experian, and XXXX, and confirmed the inaccurate information. 
2. Filed a dispute with each of the three major credit bureaus regarding the incorrect item.

3. Contacted [ Name of Creditor ] directly to request the removal of the inaccurate information, providing evidence to support my claim.

4. Filed a police report regarding the unauthorized activity and identity theft.

5. Submitted an Identity Theft Report to the Federal Trade Commission ( FTC ).

Despite my efforts, the negative item remains on my credit report. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially constitutes identity theft and fraud. I am requesting the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this unauthorized negative item from my credit report. 

Please find enclosed copies of my credit reports, dispute letters, police report, FTC Identity Theft Report, and any correspondence with [ Name of Creditor ].

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or documentation.

Thank you for your assistance.

Sincerely, [ Your Name ] -- - Make sure to include all relevant documentation and adjust the details to fit your specific situation before sending the letter.
Consumer complaint received 2024-10-13
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Navient Solutions, LLC. (FL)

below is my loan status. I have had these loans since XXXX. The interest is over 13 %. Im paying over {$360.00} per month. It is not reducing. I have called to let them know that my father should be taken off my loans which they never have done. He is now deceased for over a year and hes still on my loans. These are not obtainable to repay. I was unaware in my XXXX that the interest rate was going to be so high nor was, I aware that these monthly payments were going to be so high. This is not my only student loan. I am only a XXXX which is now not XXXX due to Covid. And I am struggling to make these payments. Below is my full loan history/status. This is a bad loan that can never be paid off without going bankrupt!!!!!!!! I can not believe theyre allowed to give someone such a debt that can never be paid when youre trying to start your career and do the right thing by going to college just to drown in debt that is more than what you get paid annually. I also have a child that is about to go to college in four years. 

Loan Status Repayment Repayment Plan Full Principal and Interest Repayment Start Date XX/XX/XXXX Estimated Payoff Date XXXX/XXXX/XXXX Ready to pay off this loan today? 
Here are the amounts : Online {$23000.00} By U.S. Mail {$23000.00} Unpaid Principal {$23000.00} Unpaid Interest {$180.00} Current Balance {$23000.00} Interest Rate 13.250 % Interest rates on private loans are set by the lender. 
Interest Type Variable Total Accrued Interest {$17000.00} Loan/Borrower Benefits Option Automatic Debit Benefit Status Awarded XX/XX/XXXX Loan Type PRIVATE School XXXX XXXX XXXX  Current Owner NAVIENT PRIVATE LOAN TRUST Disbursement Date XX/XX/XXXX Original Principal {$23000.00} Cosigner XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX  USC XXXX.

and list of Inquiries.

XXXX  U.S.C XXXX  section 602 A. States I have the right to privacy.

XXXX  U.S.C XXXX  Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  U.S.C XXXX. ( a ) ( XXXX ) Section States : 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 records of convictions of crimes which antedates the report by more than seven years. 

XXXX  U.S.C. XXXXXXXX ( XXXX  ) ( XXXX ) 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.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I have requested evidence of the original contract between RESURGENT/ LVNV FUNDING LLC and the original creditor on multiple occasions. However, they have failed to provide this documentation as well as to prove the claimed amount. I request detailed entities of all purchases, dates, and payments of the alleged debt account. Not just a statement, How did it get to be the claimed amount? They have not provided any accounting, full disclosure account ledger. There is no original contract in existence with the signatures of theoriginalcreditor, myself, and RESURGENTLVNVFUNDINGLLC. No promissory Note. Despite all requests of documentation validation. RESURGENT/LVNV FUNDING LLC continues to pursue this alleged debt without providing the required documentations. This has caused me undue stress and confusion, as I believe I am being harassed for a debt that is not my responsibility. Please Investigate this matter As per UCC guidelines, a valid claim requires proof of the original contract. Without this documentation, their attempts to collect on this alleged debt are baseless and constitute a violation of my rights.
Consumer complaint received 2024-10-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. (FL)

On XX/XX/year>, I received a text message on my cell phone that a transfer had been completed by REMITLY Bank to a person named XXXX  ( who I do not know, and did not make the transfer ) ; Soon after, I tried to access my REMITLY account and received information about a DATA LEAK ; I accessed my XXXX XXXX app and noticed that the transaction was pending and they had used my XXXX XXXX debit card information for this transfer. I then called customer service and spoke to the XXXX XXXX  fraud department ( XX/XX/XXXX, XXXX XXXX  ). I was informed that I should go to a bank branch on Monday, after the transaction was completed, because since it was pending there would be nothing to do ; I then ( XX/XX/XXXX XXXX ) logged into REMITLY BANK 's customer service chat where I spoke to XXXX XXXX XXXX about what had happened, she referred me to XXXX XXXX from the fraud department who advised me that my account should be cancelled, that the transaction would not be completed and the money would be returned to my account ; As per the guidance received during the call with XXXX XXXX customer service, I scheduled an in-person appointment for FRAUD CLAIMS ( XX/XX/XXXX, XXXX XXXX  ) ; On Monday, XX/XX/XXXX, I went to the bank branch and spoke to XXXX XXXX XXXX ( Relationship Banker II ). I had already blocked my card online. She advised me to cancel it and issued a new debit card. However, the transaction was still pending and she asked me to speak to her as soon as the transaction was completed ; On Tuesday, XX/XX/XXXX, the transaction was completed, so I sent an email to XXXX XXXX XXXX, but I had already made the claim online ( Claim ID XXXX ) ; On XX/XX/XXXX at XXXX XXXX  I called REMITLY BANK again, asking about the return of my money. I spoke to XXXX XXXX, who asked me for several pieces of information. Using my debit card number she was able to find the transaction to the account of a woman named XXXX XXXX. I told her that I didn't know this person and had not carried out this transaction. She said that since the transaction used my XXXX XXXX  debit card, I should start a claim with the bank so that they could return the money and a internal investigate will be open. I asked them to send me the recording of the call. She told me that this was property of REMITLY BANK so she couldn't send it to me
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NC)

I opened the account in XX/XX/year>. Checking account bonus is missing. The bonus should be deposit after 6 months and they still didnt deposit bonus and now they are claiming that the bonus was not applied due to mailer name not listed on my name. When actually i opened the checking account bonus online not through the mail system. They said instead they can pay {$300.00} as it sounds sketchy. I want full checking account bonus of {$500.00} as i met my requirements. Please help me with this situation. It doesnt state in requirements that bonus cant be give to the differe name on the mail system. Please show us the requirements and plus i didnt even use mail promotion code so the information is false and doesnt apply to my account. Please ask them to deposit {$500.00}