davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

To whom it may concern, I'd like to make a complaint against Fifth Third Bank. Specifically about their " Fifth Third XXXX  Checking Account. '' I recently learned that they've been charging me a " Dormant Account Fee '' since XX/XX/XXXX of XXXX to present the month ( XX/XX/XXXX ). This dormant fee was never mentioned by the fifth third bank associate that offered it to me. The info was not in any of the account information pamphlets or paperwork that they provided which could be easily seen, identified or found. 

This momentum checking account was advertised at the time of signing and is still being advertised today ( verified on their website today XX/XX/XXXX ) as " free, no minimum balance checking account, no minimum deposit, no monthly maintenance fees, no hidden fees ''. 

While speaking to a Fifth Third Bank customer service representative today ( XX/XX/XXXX ) by the name of XXXX XXXX customer service phone number XXXX ) he mentioned that the fee would not occur if I had a balance in the low {$2000.00} 's ). I was then told by his supervisor ( title : customer service call center supervisor ) XXXX that the information he provided was incorrect. However, the dormant fee is charged when there's no account activity for more than 12 months. She then mentioned that the " dormant fee '' information can be found in the rules and regulation tab somewhere on their website under some inconspicuous rule section that has a number and letter. 

This fee is deceptive, manipulative and wrong. Any fees should be explicitly made and displayed by the banking institution and their representatives. The supervisor claims that the bank sent me emails warning me that my account was on the verge of going into a " dormant '' state but I could not find any emails from the bank mentioning this or any " dormant fee ''. 

They've charged my account {$35.00} and refuse to waive the total fees. They've chosen to only waive {$15.00} and that's unacceptable. I'm sure I'm not the only customer they've done this to. 

I've included screenshots of Fifth third Bank 's website info for their momentum checking account as proof of their deceptive tactics. Please help me get this matter resolved. Thank you
Consumer complaint received 2017-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (FL)

ATTENTION DISPUTE DEPARTMENT Syndicated Office Systems Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  Phone : (  XXXX  )  XXXX  IN RESPONSE :  XXXX  Your company have violated F  CRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.      A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.    The reference items are listed below please take this matter very serious  XXXX   XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  Litigation, Case No.  XXXX , in the  XXXX   XXXX   XXXX  for the  XXXX   XXXX   XXXX  California Syndicated Office Systems Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SEC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

I recently pulled my credit report and noticed that Affirm were reporting against the FCRA standards. How can I possibly owe two balances on a charged off account? As of XX/XX/XXXX  it is reported as " Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/. " It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX  account ( XXXX ) is reporting an account as open. I have called XXXX XXXX XXXX  and the representative says they have no record of this account under my social security number. 

They ask for an account number, which I do not have because the account does not exist. The credit reporting agencies only show a partial account number. Although the account is reporting a positive history, the account is being counted against my available credit and thus, debt to income. 

I have filed an identity theft report as I have been a victim of ID theft.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Somebody I don't know deposit a bad check in to my account and my bank account is been frozen since XXXX don't give no authorization to nobody I just did a bank verification for a normal loan.Now a scammer, an intruder is using my personal information on my Truist bank.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

To whom it may concern, I am writing regarding my fraud dispute with Citi for transaction : " XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 for the amount of {$360.00}. 

Today while browsing my online account, I incidentally found out my fraud dispute is resolved and that I am responsible. I was not made aware of this by Citi. No reason was given why. I tried to call Citi but was directed to an automated message system. 

I made the dispute after checking my online account after returning from vacation in XXXX. I noticed this unknown charge of {$360.00} was made at the exact same time as a known charge of {$27.00} paid to XXXX XXXX XXXX XXXX XXXX, down to the exact minute. At that time, I had stopped at a gas station for gas. While in the car, I handed over my credit card to the gas attendant, who pumped the gas, to pay for the gas which costed {$27.00}, while I waited in the car. It took about 10 minutes for the flight attendant to come back with my card, and he said theres something wrong with the credit card reader, which is why he said it took so long. However, when I came back to the US, I noticed this unknown charge of {$360.00} was placed on my card at the exact time when the {$27.00} gas charge was placed on my card. 

I am not sure why my fraud dispute was unsuccessful and I hope Citi investigates this dispute further. Id happy to provide any additional information if needed. 

Thank you!
Consumer complaint received 2023-11-24
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TN)

They keep changing the price on the vehicle through the credit agency all three the credit report has changed the number that I owe on the vehicle its been going on since 2019 and still changing what I owe on that car I put 5 motors in that vehicle they refused to pick it up last month I owed XXXX  on one credit report this month it's over XXXX on one credit report the other one it's over XXXX and the same on the other one XXXX they keep jacking up the price of this vehicle that I don't have they are the ones refused to pick it up I even told them about the motors in this vehicle too it should be against the law for them to have jacked up the price on this vehicle
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (NC)

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights! Under 15 U.S. Code 1681s-602 states " I have a right to privacy. '' 15 U.S. Code 1681as2 " It also states the consumer reporting agency can't furnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2023-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AZ)

Based on my findings, I kindly request your immediate attention to investigate and delete three erroneous accounts currently present on my Credit Report. 

The account is named IC systems. Three account numbers XXXX, XXXX, and XXXX as what is showing in XXXX and in XXXX it shows the following opened dates for the three IC SYSTEM accounts : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have no account with this company and I do not owe them money. 

Please investigate and delete from my credit report.
Consumer complaint received 2023-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Jefferson Capital LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX To Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt. 

I formally dispute the validity of this alleged debt. My dispute to Jefferson Capital collection letter, dated XX/XX/, will be sent to Jefferson Capital electronically via Jefferson Capitals email XXXX, CFPBs portal and to the address referenced above, via certified mail, for record keeping purposes. I do not owe this debt or any debt to Jefferson Capital or to any third party Jefferson Capital is stating to represent. I was a victim of identity theft and had a plethora of accounts fraudulently opened in my name. I have enclosed a copy of FTCs id theft report to this letter. 

Additionally, per FDCPA, notifications of dispute must contain the following : the amount of the debt the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector a statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). information that helps a consumer identify the debt being collected information about consumer protections information to help consumers exercise their rights under the FDCPA, including a tear-off dispute form with pre-written prompts for disputing a debt, and disclosures required under certain laws. ( 12 C.F.R. 1006.34 ).

The notice which I received failed to include the majority of the aforementioned, in violation of FCRA and FDCPA. 

You are also notified should any adverse information be placed against my credit reports, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. 

Thank you for your attention in this matter. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all i see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CO)

I sold my XXXX via XXXX and was paid via PayPal on XX/XX/XXXX. PayPal requested information on the sale including such items as tracking number- which I provided. Even though I provided the requested information, PayPal closed and locked my account without providing specifics why. I contacted PayPal and they could not provide any information, nor could provide me the option to transfer my funds. I am requesting that PayPal disburse the funds in my account totaling {$370.00} to the bank account linked to my PayPal account.
Consumer complaint received 2023-07-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have repeatedly through out this whole yea disputed this Information and as it stands now transunion has not given me a credit report or allowed me access to Credit report customer service is telling me that there are birthdates and social thats not accurate of mine they have not remove the fraudulent error. I also place a security freeze on my account about a year ago that I cant even remove because this information that is being fraudulently being report to my name they dont allow me to do online disputes or upload any documents nor honor the documents I send in through the mail or access to any of the online services they are really not investigating matter as you can see with the dates of the documents will support my statement in which they are responding they are working on it but sending me letters out stating they are not investigating the matter truly Reference complaints XXXX XXXX
Consumer complaint received 2023-11-25
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 (NJ)

I have 14 HARD INQURIES ON MY CREDIT REPORT THATS STOPPING ME FROM PURCHASING A HOME. Iam A VICTIM OF FRAUD I NEVER AUTHORIZED THE CREDIT CARD COMPANY TO SELL MY PERSONAL INFORMATION WITHOUT MY CONSENT. I WOULD LIKE ALL OF THE HARD INQURIES TO BE REMOVED OF MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I closed on my home in XX/XX/XXXX. At that time, I was told my monthly repayment would be {$2400.00}. I paid that amount every month, timely, as agreed. Just a year later, on XX/XX/XXXX, Wells Fargo sent me a notice that my loan payments would increase to {$3400.00} due to an escrow adjustment. That is over {$1000.00} more than my original payment- more than a 40 % increase! 

I submitted a qualified written request and notice of error with Wells Fargo on XX/XX/XXXX. They still have not provided me with an explanation. To the contrary, they have unilaterally granted themselves 3 extensions of time to respond to my request. Initially, they were supposed to respond by XX/XX/XXXX. I've called Wells Fargo several times to resolve this matter, but each time I am told they are still researching the issue. 

On one occasion, a Wells Fargo rep indicated that the increase was due to the tax on the property going from an undeveloped lot to new construction. That can't be accurate. This is NOT a conversion loan. Wells Fargo knew that this residential loan was for a newly constructed home. They extended the loan amount based upon the appraised value of a newly constructed home, not an undeveloped lot. Therefore, they knew that the taxes would be based on a newly constructed home, not an undeveloped lot. With this knowledge, Wells Fargo was responsible for calculating my loan payments ( inclusive of escrow ) on my new home. In fact, they were responsible for exercising good faith when calculating my loan payments to perform the ability to repay requirements as required by statute. Wells Fargo failed to act in good faith. Instead, they are pulling a bait and switch by offering a low monthly loan payment and then significantly increasing the loan just a year later.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WV)

i filed a dispute about XX/XX/23 spectrum for XXXX and XX/XX/23 for XXXX spectrum and XX/XX/23 XXXX to some company called XXXX and XX/XX/23 for XXXX XXXX i did not authorize nor did i make these charges. filed a dispute with chime, they denied my dispute this is ridiculous. i did not make or authorize these charges, please help me get my money back thank you
Consumer complaint received 2023-11-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC (CT)

I received a notice from Rubin and Rothman LLC stating that I owe an alleged debt to XXXX, XXXX  aka XXXX, I replied to Rubin and Rothman LLC as shown in the attachments I have included with this complaint. Robin and Rothman LLC did not reply to my request but they did violate me by improperly serving me a " SMALL CLAIMS WRIT AND NOTICE OF SUIT ''. See attachments.
Consumer complaint received 2023-08-02
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: Resurgent Capital Services L.P. (IN)

Under Title 15 USC 6802- I am supposed to be given 3 Disclosure forms and consent to a company sharing my personal info via credit reporting agency. I do not have an account with this company, therefore they were not able to share said Disclosure forms with me deeming this reporting fraudulent. Here is the law : Title 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.