davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: FIFTH THIRD FINANCIAL CORPORATION ()

I exercised my rights contained within Uniform Commercial Code in particular Article 1-204 Except as otherwise provided in Articles 3, 4, [ and ] 5, [ and 6 ], a person gives value for rights if the person acquires them : ( 1 ) in return for a binding commitment to extend credit or for the extension of immediately available credit, whether or not drawn upon and whether or not a charge-back is provided for in the event of difficulties in collection ; ( 2 ) as security for, or in total or partial satisfaction of, a preexisting claim ; ( 3 ) by accepting delivery under a preexisting contract for purchase ; or ( 4 ) in return for any consideration sufficient to support a simple contract. 
Fifth Third Bank through deceptive business practices deprived me of my rights found in Article 9-102 ( A ) ( 2 ) right to payment of a monetary obligation.

When their practice became exposed, 5/3 Bank proceeded to close, and sell the account to a debt collector without providing a 1099-C to the Taxpayer. I have contacted by certified mail the President CEO, Vice President CFO, of 5/3 Bank with no response from either.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I use XXXX system frequently to send money to friends and family members. XXXX was working perfectly. But about four months ago, I realized that XXXX credit notification was not working. It means, when someone sends money to me, I supposed to receive a notification from the Citibank XXXX. I contacted XXXX company directly, but they said they are not responsible for this issue because I am using XXXX via CitiBank. They advised me to contact Citibank. I then contacted Citibank and I was notified by the customer service that IT department turned my notification off. I called them more that 20 times to resolve the issue, but they are ignoring this issue, and I am suffering. The last time I called they gave me an incident number # XXXX. After getting this incident number I called the Citibank again but still the situation remains same. Please help me.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I'm a XXXX XXXX. I ordered a hydrogen water bottle to help with XXXX ( chronic XXXX XXXX ) for {$100.00}. The bottle ended up being a defective bottle. I made a dispute with XXXX XXXX XXXX  credit card. They issued a temporary credit of {$100.00}. Which I didn't use. XXXX paid the {$100.00} in XXXX installments. That left my credit card balance of $ XXXX. I paid the balance of $ XXXX to being my credit card to a {$0.00} balance. 
Yesterday, XXXX XXXX XXXX  credit card charged me {$100.00}. 
I told them the company paid the money back. I don't owe you anything. You keep adding fees and interest to keep gauging money from me.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (UT)

My homeowner 's insurance is due XX/XX/year>. On XX/XX/year> I was advised by my homeowner 's insurance company that no payment has been made. I contacted mortgage company and was advised that they mailed the payment on XX/XX/year> and it can take up to 10 business days for insurance company to receive. Now I am late. And when I call mortgage company I am continually disconnected.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (NY)

Number - XXXX XXXX XXXX. Subject claimed he is from CBE and needed to discuss a personal matter. Subject did not give anything specific but wanted to speak to " XXXXXXXX XXXX ''. Upon further investigation, CBE is a collection agency group and using above number to scam people by using personal information.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

I have a Gold Amex card which had no preset spending limit. I have been a loyal AMEX customer since 1992 and have never paid late. In fact, many months I pay XXXX weeks before the payment is due. With inflation and rising interest rates, my monthly payments do not make as big of a dent in the balance, but they are always paid timely and there have not been any large or sudden significant increases in my balance. I received a notice today saying I now had a preset spending limit. That would not bother me so much if they hadn't set my preset spending limit below my current balance. So all of a sudden, without any notice to me, I am several XXXX over my credit limit. Why - because AMEX set a limit that was several XXXX lower than my current balance. That will cause my credit score to literally plummet - a credit limit that has been exceeded by several XXXX. Also, if I suddenly need to pay everything over the newly imposed credit limit that will not be possible. Setting a credit limit is one thing, but below a customers current balance seems predatory as it literally destroys their credit through no fault of their own and may suddenly set them up for ballooning payments due to the lowered credit limit. If you exceed a credit limit, many cards make you pay everything above that limit. I attempted to speak to AMEX and all I got was an agent that said I could dispute but the process would take a while and I had to provide my net worth. When I was approved for the card I provided all of that. The fact is, I am in good standing and have been for quite some time. AMEX needs to raise the credit limit to an amount above my current balance so I don't get a major hit on my credit and so I don't suddenly owe an excessive balance due to having to pay the amount over. We are in the process of selling a home and moving. And my husband has some medical issues we are dealing with. I can't take a credit hit that will impact my other finances. No other card has treated me this way. AMEX may think I am riskier these days but I have never paid late. And that is no excuse for bringing a credit limit below my current balance - and without notice.
Consumer complaint received 2024-06-12
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. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NC)

Syncbank has reported for several years that I have a credit card with them. I do not. In fact I have never even heard of Syncbank in any capacity other than this erroneous report on my credit history.

I have disputed this account several times over the years and have never received a response about my disputes from any of the bureaus.

Recently I contacted Syncbank and offered to pay the disputed amount on the condition that they would contact the credit bureaus and correct my history by acknowledging that the account is not mine and that I never owed them anything. While they didn't explicitly refuse, they did refuse to discuss the matter with me and disconnected the call.
Consumer complaint received 2024-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I would like the inquiry CAP ONE NA XXXX, XXXX XXXX XXXX XXXX removed as it is hindering me from building my credit the way I intended. I did not authorize it.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi first of all I would like to share this process with you my Bank of America XXXX card account has been hacked in XXXX by frauds. They stole XXXX $ in XXXX hours. We immediately called the bank submitted them a claim report and cancelled my debit card while requesting a new card. Bank gave me credit XXXX $ which was hacked on my account and investigation started by the bank Almost after XXXX  months yesterday I have received a letter to my home about result this investigation that says we are unable to approve your claim case???? And this money will be removed on your account XX/XX/XXXX!! it is today!!! How could it happen? I entrusted my money to this bank they didnt protect this money they gave it to me back but now they dont believe this case and did not approved the case did I rob myself? Every transactions are on report with dates. Its so easy to understand this fraud situation in 2024 in XXXX. We have this technology even more than that I have been robbed because of Bank of America. And now XXXX being robbed XXXX more time by my bank this would not be happen! Who is gon na protect our rights? Do you know how I earned XXXX $??? How many hours hard work till midnight??? It was too tough to made this money. After that someone will come and jump in your account to steal this money that your bank your own bank will not do anything perhaps even they will accuse me XXXX ready to go every single court and process in this country this is not only about money but also reputation after this moment. Please help me
Consumer complaint received 2024-06-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I originally responded to a text XXXX XXXX XXXX, from Columbia Debt Recover LLC DBA Genesis. He sent me on XXXX at XXXX XXXX  to provide me with a contact number to discuss the debt. He responded to my request via text on XXXX at XXXX XXXX  with the phone number. requested to receive information from him since he texted me. He called my spouse and son who are also on the debt on XXXX and XXXX. I called at XXXX XXXX  on XXXX, spoke to XXXX XXXX, at XXXX XXXX. I asked him to " please '' stop calling my son and stop verbally aggressive. My son also asked XXXX XXXX asked him to speak to me since I handle the finances. He kept being verbally aggressive and my son ended the call. When I requested the same thing about contacting me he began arguing with me and being verbally aggressive. I asked him to " please '' stop and I wanted to speak to his supervisor. He dismissed my request twice and continuing chastising me and being verbal with me. I requested to receive a written notification of the debt, the amount and other supporting mailed to me. I also informed him about the FTC laws about debt collecting. I requested for him to stop contacting me until I received the information I requested. He still verbally being aggressive. I then terminated the call.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kelsting Group, Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (TN)

Shellpoint Newrez assumed my HELOC loan and changed the payment amount from {$380.00} to {$500.00} per month. I filed CFPB complaint XXXX to have the issue resolved. Shellpoint provided an incorrect response stating that the new payment was increased because it would not be paid off in full by the maturity date with the current payment of approximately {$380.00}. This is mathematically incorrect. The Shellpoint website shows a loan maturity date of XXXX  ( screenshot attached ), which is approximately XXXX months from today. A balance of {$33000.00} amortized over XXXX monthly payments with an interest rate of XXXX % is a monthly payment of approximately {$380.00} ( see attached amortization schedule ). 

Paying {$500.00} per month with the current interest rate results in the loan being paid off in approximately XXXX months, which is XXXX, nearly XXXX years ahead of the stated loan maturity date ( see second attached amortization schedule ). 

I included supporting documents : - Screenshot of the loan details from Newrezs own website stating a loan maturity date of XXXX 
- An amortization schedule showing the payment for XXXX months, using the current balance of {$33000.00} at XXXX % interest. 
- An amortization schedule showing a payment of {$500.00} for the same principle and interest. 
- A copy of the original complaint for reference. 
- A copy of Newrez 's response to the original complain for reference. 

Please review these documents again and adjust the account to the appropriate payment amount.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kelsting Group, Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc. (IL)

I am writing to file a formal complaint against CONN APPLIANCES , INC. for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that CONN APPLIANCES , INC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with CONN APPLIANCES, INC, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence.

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that CONN APPLIANCES , INC provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If CONN APPLIANCES , INC is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with CONN APPLIANCES , INC is blatantly false. I neither received any services or products from [ Debt Collector ] nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that CONN APPLIANCES , INC is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/, I sent dispute letters to TransUnion, XXXX and XXXX to dispute inaccurate and obsolte information appearing on my credit report. To date, I received a " stall tactic '' letter from TransUnion which simply said that they received a letter from me and if it was from a credit repair company, there's no need, they can help me but did nothing to satisfy my concerns and to date, I have received no reply from XXXX or XXXX. They ignored my inquiry. Their lack of response has left me feeling stressed, frustrated and as though I am not valued and that my rights under the Fair Credit Reporting Act don't matter.
Consumer complaint received 2024-08-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EGL US, LLC (MS)

I have report the original company BMG Money LLC as Identify Theft back here when I first notice the item on my report and it was removed, then this company brought a fraud debt from a these company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a civil sue against me for a fraudulent account. This is illegal and they are trying to get rich off poor people doing illegal things. I received this summons yesterday XX/XX/XXXX. Please look at my FTC reports filed back in XXXX of XXXX will be attached along with BMG Money LLC FTC report. I will attach the CFB report also. And the debt amount is total different from the amount of the original debt collector. 

Complaint Number XXXX
Consumer complaint received 2024-07-19
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got an update on XXXX XXXX on XX/XX/24 saying there has been a new inquiry on my credit report from Capital One bank. I do not bank at Capital One and I have not tried to so this is not me.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (FL)

XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Consumer Portfolio Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account No : XXXX Dear Sir/Madam, I am writing to address the recent communication received from your office dated XX/XX/XXXX, regarding an outstanding balance associated with Account No : XXXX under the names of XXXX XXXX XXXX and XXXX XXXX XXXX However, after reviewing the information provided in your letter, it has come to my attention that there are inaccuracies that must be urgently rectified. 

The statement made in your correspondence regarding the outstanding balance of {$22000.00} is in dispute due to the fact that the XXXX XXXX XXXX owned by XXXX and XXXX XXXX was involved in a car accident on XX/XX/XXXX. Notification of this incident was promptly conveyed to your company both via email and through a phone conversation with one of your agents. Consequently, the continuous reporting of this alleged debt to three credit agencies is a clear violation of the Fair Credit Reporting Act. 

I hereby demand the immediate removal of this inaccurate information from all credit agency reports. Failure to comply with this request will leave me with no choice but to pursue legal action to address this matter and seek appropriate remedies. Legal counsel will be engaged to handle these matters should the erroneous reporting persist. 

I urge you to conduct a thorough review of your records and make the necessary corrections to accurately reflect the circumstances surrounding the referenced account. Any further attempts to collect on this disputed debt will be considered a willful violation of consumer rights and fair credit practices. 

I kindly request that you provide written confirmation once the corrective actions have been taken to ensure the accurate reporting of this account. Your prompt attention to this issue and a resolution that aligns with credit reporting laws and regulations are expected. 

Thank you for your cooperation in promptly addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX