davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo has added an appraisal fee after initially waiving this fee ; this has increased the cost of the loan, and added potential delays to closing, at a time when it is too late to change to a competitor bank. This is a classic " bait and switch ''. 

I applied for a home mortgage loan through Wells Fargo- and from a selection of other banks- on XXXX XX/XX/year>. In my initial application, I provided my home closing date, and the date when I would start my new job ( approximately XXXX weeks after closing ). At that time, Wells Fargo waived the appraisal fee, which was a substantial savings and was a material reason why I chose Wells Fargo as my lender. I proceeded providing documents for weeks to secure the Wells Fargo loan. On XXXX XXXX, I was informed that the appraisal fee was going to be added back to the loan costs ; neither the closing date or my job start date had changed. It is now too late to switch to another bank, and the delay in arranging an appraisal threatens the closing date.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have multiple accounts that they are saying is my debt. They call 20 times a day and will not give me any information that I ask for or proof that said accounts are mine. My legal attorney told me to advise this falls under 15 USC 1692g and 15 USC 1681c-2. Please see the attached documents
Consumer complaint received 2024-07-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

I closed my XXXX XXXX XXXX XXXX over a year ago- I paid the last bill- that came almost 6 months later and was only " interest '' charges. I paid the balance, twice actually, for XXXX and now I have been charged XXXX in " interest '' charges again! The card has been closed for over a year ( probably more ) and I have paid the fee and XXXX XXXX XXXX  is still trying to charge me. Now it has been sent to collections even after I called and spoke to someone at XXXX XXXX XXXX and they said my card was closed and balance has been settled, but then received another bill.
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (GA)

Hello in XXXX, XXXX and XX/XX/year>, I have contacted IQ Data International regarding an incorrect balance on the account. They insisted that the amount was correct, I spoke property management stated they will make the proper correction, have emailed me the corrected amount and have offered to resubmit to collector. Nothing has changed and I am still seeing this incorrect balance on the credit report.
Consumer complaint received 2023-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SG and Associates (CA)

I was contacted by a debt collector without confirmation of my identity started to talk about my debt without even verifying Im the right person. Got transferred to a rude lady who said I would be sued and she will see me in court. Also stating Im mad that I dont how to be responsible and pay my bills being absolutely rude before I can ask for a manager she hung up. I called back asking why she hung up and she said dude we already gon na send to the courts so we will just see you in court.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

DEAR COMENITY CAPITAL BANK XXXX XXXX ; CFPB ; I am writing to address a matter concerning an alleged debt of {$1000.00}, which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity.

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations.

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt.

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter. 
Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (AL)

I had totaled my car and expected my insurance and gap to cover it. I was never relayed any information about payments being made by my insurance and my online account was never updated with a current amount. I was never contacted or notified of a balance in any form until phone once my account had gone into collections after viewing the monthly statements it only showed a balance of XXXX and then they added interest
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: New Century Auto Sales, Inc. (NM)

I got a car auto loan from this company back in XX/XX/year>. My payments have been on time and I have paid every single time I have needed to pay. Just recently the auto company puts my auto loan on my credit score twice. Its XXXX different companies, but the same exact loan For the exact same amount that I signed for. This has now affected my credit substantially. I have contacted the company, but they are not working fast enough. I am trying to get a rental property and this has affected my credit substantially and I need extra help. On my XXXX XXXX account, they took off both the auto loans which has now dropped my credit score XXXX points in the span of XXXX weeks. Both auto loans are still on my XXXX account which it has dropped my XXXX account XXXX points. I am not sure why they are affecting the credit bureaus differently, but they are. Like I said, I am trying to get a rental property and now I am not able to do that, I have to put it on hold. Because of my credit score dropping. I need to know what I can do for my next steps because this is not fair and it is causing a lot of stress and distress in my life. I have paid in total {$12000.00} to this company regarding this car loan and not taking this situation seriously is disheartening. If someone could point me in the right direction on getting help and how to get this situation rectified I would appreciate it. Thank you.
Consumer complaint received 2024-07-14
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: BARCLAYS BANK DELAWARE (WA)

I applied for a Miles and More world Master Card from Barclays Bank. The card had a promotion offer XXXX Miles and More Points after spending {$3000.00} and a free companion pass every year. I met the promotional requirements and got the points. But, I didn't receive the companion pass. I tried to look in my Miles and More account as well as my Barclay 's account. The companion pass didn't show. I called XXXX as well as Barclays I didn't get a clear reply. This year on XX/XX/XXXX, I checked again, there was nothing in my account. I called Barclays and was told to contact XXXX. I called XXXX XXXX ' Miles and More customer service and was transferred to a dedicated line. The agent told me that the pass expired on XX/XX/XXXX and the pass for this year isn't there.I called Barclays again to inquire. I was told that the pass is sent via email. I haven't got any email stating about the pass last year and haven't got anything this year also.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lloyd & McDaniel, PLC (GA)

XXXX XXXX is reporting on my credit reports that I have not paid this company near {$700.00} as they've sold the debt to a " law firm '' LLoyd and Mcdaniel. I have made payments to XXXXLoyd and Mcdaniel after receiving a threatening letter in the mail as they are referencing XXXX XXXX. I have complied to this company to resolve the debt after being threatened of legal action making payments of XXXX every month. XXXX XXXX has reported that I am still owing XXXX to them, which is false. I have tried resolving the matter with the credit bureaus without any success. XXXX XXXXXXXX is now emailing me to sign some form which I have not after the unlawful tactics they've pulled. I am requesting that they update my balance to the correct amount along with my credit reports. If they are willing to settle for a lesser amount I will negotiate.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( 4 ) that your Company never provided an adequate notice which Cleary & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 USC 1602 ( K ), the term adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood it meaning. Such notice may be give to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned sector, I couldn't understand is meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( 2 ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1802 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 usc 1692G ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request i will not escalate this matter to federal Court. In case you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter. 
Sincerely, : XXXX : XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have a CC with an ultra high limit that had not been used in years. One day I made a purchase at the gas station to fill up before a journey across the USA. An hour later I received text messages telling me my account was over the limit. 

I immediately looked at my banking records and confirmed that my card had been skimmed at the gas station based on all the charges all over the place. I immediately called USAA to haltcard and dispute charges. 

Fast forward 2 weeks I get notice from XXXX that my USAA card was over the limit. I immediately called USAA again to ask what is happening : 1. USAA did not put a security hold on my card from 2 weeks earlier as it should have done 2. USAA had made no progress investigating the skimmed card and disputed charges. They claimed not to have a record. 
3. Only after this follow up call 2 weeks later did USAA cancel and block the card. 
3. Now my credit ratio is being dinged and USAA is expecting me to pay for a card that was stolen/skimmed, and used by criminals to exceed the credit limit.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST CITIZENS BANCSHARES, INC. (NV)

First Citizens Bank in NC first withdrew my HOA payment on XX/XX/XXXX. On XX/XX/XXXX, First Citizens withdrew a second HOA payment. Unauthorized by our HOA XXXX. XXXX XXXX XXXX XXXXXXXX residents had 2 substantial HOA payments withdrawn from their accounts within 3 days. First Citizens never contacted us. The HOA company, XXXX, contacted hundreds of residents and said the bank made an error and will fix the error. The error was fixed on XX/XX/XXXX. ( Money returned ) But residents dont know what happened and what financial controls didnt work or what new ones will be put in place so it NEVER happens again.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CARD Corporation (CO)

Since XX/XX/year>, I have been unable to access my funds, and despite multiple attempts to resolve the issue, I continue to face denial and a lack of assistance from my financial institution. I have reached out through various channels, including phone calls, emails, and even visits to the bank, but the issue remains unresolved. Each interaction has been documented meticulously, yet the problem persists. I have asked to speak with supervisors and managers, but no satisfactory resolution has been provided. This situation is causing significant stress and inconvenience, and I am considering escalating the matter to regulatory authorities or seeking legal advice to regain access to my funds.
Consumer complaint received 2024-06-25
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

1. IN GOOD FAITH, UNDER U.S.C. 1681 ( A ) I DEPOSITED MY CREDIT ACCOUNT NUMBER WITH CITIZENS BANK ( CREDITOR COMPANY ) AND THEY TRANSACTED AGAINST MY CREDIT. 

2. THE ABOVE MENTIONED TRANSACTION APPEARS ON MY ACCOUNT AND THIS TRANSACTION CREATED A RIGHTS ON MY BEHALF AS DEBTOR. THE COMPANY RECEIVED A BENEFIT OF MY CREDIT BUT DID NOT CREATED THE ACCOUNT. 

THEY MADE AN AUTHORIZED USE BECAUSE THERE WAS NO BENEFIT TO ME ; IN CONNECTION, THE COMPANY VIOLATED MY DEBTOR RIGHTS THAT WERE CREATED UPON THIER ORIGINAL TRANSACTION AGAINST MY CREDIT. 

3. THE COMPANY DISCRIMINATED AGAINST ME BASED ON 15 U.S.C. 1691 BECAUSE I EXERCISED IN GOOD FAITH ALL ACTIONS UNDER THE CHAPTER OF 15 U.S.C. 1691 ( A )
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I've pulled my credit reports and notice alot of inconsistency so I submitted a letter to have all the three credit bereaus investigate and subsequent removal. I have not heard back from them. I also submitted a letter correcting wrong information and have not received confirmation. As of today its been four weeks and have not resolved anything.
Consumer complaint received 2024-07-11
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: TD BANK US HOLDING COMPANY (AK)

In XXXX of XXXX, I discovered that Nordstrom/TD bank USA was reporting on my credit a charged off account with a balance. I disputed the account and sent them not once, not twice but three times, a certified letter requesting validation of the debt. Each time, The letter was signed for by someone at the company but I received no response. 
In XX/XX/year>, I sent another letter certified requesting a 1099-C, Cancellation of debt for the balance that they wrote off. Again, I received no response. For these reasons, I would like this item removed from my credit report.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (TX)

n 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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. 

XXXX XXXX XXXX Balance {$12000.00} Balance updated XX/XX/year> XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX  Balance {$3500.00} Balance updated XX/XX/year> XXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX Balance {$2100.00} Balance updated XX/XX/year> XXXX Funding XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was reviewing my credit report and noticed that some accounts XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX report were breaking the law and violating my rights law FCRA section 605B states That it is illegal to it is illegal to furnish information on my credit profile without my permission Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. y rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely
Consumer complaint received 2024-07-14
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 (KS)

Please remove the following Inquiries : - US Bank XXXX XXXX XXXX XXXX XXXX XXXX  - Reason : Fraud - Did Not Authorize