davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
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: CITIBANK, N.A. (PA)

Notice is hereby given, and a statement of fact made, by the consumer, the natural person, original creditor, lender, the executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being thee executor both public and private for all matters proceeding and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; 1. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 2. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of truth being serviced to you today and therefore, standing as truth in commerce, co be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me from receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and Fact, affiant is aware and has proof in the attachment labeled as Exhibit D, D and g that THD/ CBNA, XXXX, and XXXX are in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A )
Consumer complaint received 2021-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (CA)

Disputing Erroneous Credit Reporting by Target Credit Card late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was approved for a Target Credit Card for a second time. The new Target account ends in XXXX, in making payments for those months I used my Bill Pay from my XXXX Account and did not realize it was the old closed Target account ending XXXX. I made the payments to that account in error but was not informed or received notification. The Bill Pay payments were cancelled on their end and were not used for the new open account. When I called to inform of the issue, the Target Representative stated that there is nothing she can do and gave me an address to send dispute in writing. I asked to speak to a supervisor and representative again gave me the run around, made me hold for over 30 mins and Supervisor did not give me a chance to explained and refused to help me resolve the late issue. I asked to speak to her Supervisor and she said she does not have one and will not be able to help me. I'm dumbfounded that Target would treat me this way and would not provide any help to my issue. Customer services was aggressive and not helpful at all, with no information to provide me.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (KY)

Ok let me break it down for you guys under 15 USC 1692 and 1681. XXXX sent me a collection notice for XXXX XXXX  and the credit limit was XXXX and they are trying to collect XXXXXXXX XXXX XXXX for both accounts. Even if it was XXXX late fees and XXXX dollar service charges and late for 4 months it would not be that much. They try to collect was more than is owed and this is illegal. It violated 15 USC 1681 and 1692 et seq multiple times and this means they lie about amount that is owed.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon simply creating an account for transunion. ( so that I could dispute something on my credit report ) I was charged just XXXX $ and subscribed to a monthly service despite never being asked about it. The page requires you to enter credit card information in order to create an account
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (IL)

I am writing to complain to OPPORTUNITY FINANCIAL about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (MS)

This is has been the most horrible experience with a company I have ever dealt with before. I had an auto loan through Fifth Third Bank and back in XXXX we sold the vehicle on the XXXX. The monthly payment was not due until the XXXX but we were no longer responsible for this payment as we no longer owned the vehicle. I called them the very next day ( the XXXX ) and let them know what happened and asked for a hold to be placed on the account and that we no longer owned the vehicle and the dealership was getting the payoff check in the mail. I was confirmed that it was placed on hold and we would not be sent to collections.. I was called by them on the ( XXXX ) saying that we were 30 days late and were being sent to collections for delinquency. I tried calling numerous times to be transferred at least 10 times because no one would talk to me about the situation. A month later I finally spoke to someone who was slightly willing to help. I asked why it was 30 days late and why I was given absolutely no grace period before being sent to collections. None of it made sense. I was then told I apparently missed a payment in XXXX but this was the first time I was ever hearing of this. I have never missed a payment and have ALWAYS made my payments on time. I then went to get proof of all documentation showing where the vehicle was sold on the XXXX, the payoff check, and proof of the missed payment from my bank statement. I even went back to the dealership to see if they could help provide this information and they informed me that they no longer use this company as an option of financing because of situations like this. It is now 3 months later and they have done nothing to resolve this issue that has completely ruined my credit when I was not at fault. On XX/XX/XXXX I called back to check on a dispute and was informed they got the dates mixed up and denied to fix it. So again, I spoke with a lady named XXXX who informed me of this and she told me she would put the request in again and correct the date so that it would get reported correctly to the credit bureaus. She told me it would be 5 business days for them to make a decision. I called back today ( the XXXX ) and was then told it would be 30 days. This is absolutely ridiculous. Not only are they not reporting my credit accurately but they also cant get their facts straight.. Fifth Third Bank.. do better.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (GA)

We are in the midst of a pandemic. And, American Express just notified me that my interest rate will be changing to 18.99 % from 13.24 % even though my payment habits have not changed, I make payments in excess of the minimum due, I have never been late and my financial situation has not changed. This increase is not a nominal amount. It represents an increase of over 43 %. During the midst of a pandemic and given interest rates are hovering at ZERO for American Express, I am quite appalled that an interest rate would be increased by over 43 % when nothing about their customer has changed. I contacted American Express who told me my account is being realigned to what others in my credit score range are paying. This is an extremely narrow range of criteria considering I have been an account holder since 1996. 
I won't be using the card any longer. I am reporting this complaint and will also be voicing my dissatisfaction through social media. The actions taken by American Express against customers in good standing during the midst of a pandemic is nothing short of disgusting greed.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

My information was stolen and used for a utility bill Ive been XXXX  too many times to even have any debt owed. XXXX XXXX is the dates they have down Ive been in North Carolina for 3 yrs. The amount is XXXX.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (MI)

I was contacted by XXXX XXXX XXXX, they told me that I owed a credit card debt that if not paid in full would go on my credit report. They threatened to take me to court for the balance owed and also sue me for lawyer and court fees. They told me I owed {$7400.00}. When I told them I could not give them the money because I was preparing to buy a home, they threatened my credit and told me I would not be able to buy my home with this debt hanging over my head. I was frightened into giving them {$7000.00}, which was almost everything I had saved. After I had authorized the payment she ( identified herself as XXXX XXXX ) told me that the debt they were collecting was from XXXX years ago. Immediately after making the payment I did some research and realized my mistake. Within XXXX minutes of authorizing the payment, I got on the phone with my bank, fraud prevention services and card member services to stop the payment. I pleaded with them not to release the funds. They put the payment on hold until XXXX, after which they released the money to XXXX. That very same day I went to my bank ( XXXX XXXX  XXXX XXXX ) and filed a dispute. After a week, I called card member services to check on the status of my dispute and they informed me that they had contacted VISA about the charge and they said they had to release the funds because I had originally approved the transaction. On XXXX, I contacted XXXX XXXX firm XXXX in an attempt to sue the company for my money back, after some research into the company they informed me that this company was not licensed to collect debt in the state of California and that because they have never been sued before, there was nothing they could do to assist me.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

I have been disputing this account for some time now with AFNI. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. They have responded to my dispute and have verified this as an open account but they have failed to provide sufficient documents that show if I am the true owner of this account and debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I was under the impression that if they did not have valid proof that this account belongs to me that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC (KS)

American Coradius International is collecting an XXXX XXXX XXXX Credit card debt from me. I acknowledge the debt, I have been paying on the debt for the past 5 months. They refuse to send me any type of statement showing that I am paying this debt off. They also refuse to delete the charge off from my credit report when the balance is paid in full.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (MA)

I made a payment from my XXXX account to my American Express credit card on XX/XX/XXXX for {$600.00}. Generally, XXXX offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to XXXX, is settled immediately. On the American Express side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, which they provided. Now, American Express says that the funds were returned to XXXX on XX/XX/XXXX, but XXXX can not locate the funds on their end, stating the following : " Please provide a tracking number or reference number for the return of the funds. We can not locate the funds without a reference number. Please note, the reference number listed in the letter from American Express is their internal case number, not a number related to the transaction. '' On XX/XX/XXXX, American Express shared documentation they claim is proof of payment but the information is incomplete and makes no sense. The documentation shows the details of the debit account but has no information on the credit account, other than " XXXX ''.
Consumer complaint received 2021-09-30
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX CARD SER-Balance $ XXXX-Date Opened : XX/XX/2016 XXXX
Consumer complaint received 2021-09-30
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: EQUIFAX, INC. (TX)

I have been disputing this inaccurate account on my credit report with the credit bureaus for IXXXX XXXX for some time now. I was told by the credit bureaus to reach out to this creditor about this account which I did. I have sent an initial dispute letter to this company which was delivered on XX/XX/XXXX and here is the tracking to prove it was received XXXX. I asked XXXX XXXX to validate this account and to provide sufficient proof and documents that show this account belongs to me. I have also submitted a complaint against this company on XX/XX/2021 which they have yet to respond to and its been over a month and they have still yet to respond to my complaint and dispute. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have also asked the credit bureaus how have they verified this account when XXXX XXXX has yet to respond to my dispute and prove me with sufficient documents that show who this account belongs to. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2021 I signed up for bank account promotion with BB & T. The code provided was XXXX. The amount promised in the terms was XXXX $ after completing 2 direct deposits of XXXX $ +. I completed the second direct deposit of XXXX $ on on XXXX XXXX. This was within the time limit in the terms. I had reached out to the company via email on XX/XX/2021 and they began to work on my case but they told me to wait even longer. I reached out again on XX/XX/2021 to see if they had resolved my promotional bonus but they still could not find it. Then again on the first week of XXXX i had to escalate the issues and call directly. I was told that i was eligible and that they were having issues internally with issuing funds so i would get compensation at the end of the month. So i waited until today to call again and now they are saying that i am not eligible due to opening the account with a different promo code.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

Over the past several months I have been trying to get Method of Verification for Account # XXXX with XXXX XXXX through Experian. Experian keeps stating that the debt has been validated but has not provided me with any information that I have asked for such as a contract bearing my signature. The same information was requested from XXXX and XXXX and the validation could not be verified and the Account was removed from my credit profile with both Bureaus. The dates for the requested information are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Consumer complaint received 2021-09-30
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 — Problem with personal statement of dispute
Company: Early Warning Services, LLC (TX)

I have disputed information on my file with Early Warning Services, I asked them to validate debt they claim that I owe and they have failed to do so legally. According to 15 U.S.C 1692g Early Warning Services does not have the power to validate debt and has since failed to supply me with the 5 things that constitute validation of debt. The proof they sent is not validation but an allegation that I as the consumer do not agree to. There is no way they can say I owe a debt or furnish information about me that states that I owe a debt because they do not possess the power according to law to do so. They have committed fraud because they have obtained my information from companies that I did not give consent to, to share my personal information. They have since committed 5 violations of United States federal law and owes me {$1000.00} per each violation, totaling {$5000.00}. I have been disputing with them since XX/XX/2021 and they have failed to send me a valid letter of validation according to the statutes of the law, in the form of a contract written by to them stating : 1. Full disclosure 2. Equal Consideration 3. Lawful terms and conditions 4. Signature of both parties According to 15 U.S.C 1602 ( I ), they have become fraudulent when they furnished a deceptive form ( 15 U.S.C 1692 ) to create the false belief in the natural person ( me ) that I owe an alleged debt when it was in fact a consumer credit transaction.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (MD)

I applied for credit with XXXX on XX/XX/2021, through their financial institution, Synchrony Bank. Well, I have a fraud alert on all three bureaus and this was completely ignored by this creditor. The inquiry went right though without any hesitation. Nor did I receive a call to verify that the person applying for credit was indeed me. As a potential victim of identity theft I find this quite disturbing. Upon trying the reach out to them the only number I was a customer service number and nobody could point me in the right direction.