davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

Dear XXXX  Sir/Madam ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

CITI XXXX
Consumer complaint received 2024-09-10
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: LEXISNEXIS (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland credit management has violated the FDCA as outlined XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), which states that a consumer report is a medium of communication and thus subject cease and desist requirements. It is still reporting on my credit report after confirming that my account was listed as a cease and desist. See attachments below.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (NM)

I have had a checking and saving card with TD Bank for at least XXXX XXXX  After that I decided to get a credit card with them and since I do not have an XXXX  they gave me a secured card on which I put {$300.00} in advance to spend. 
They had promised me that after XXXX XXXX my card would automatically become a normal credit card ( not secured ) and my {$300.00} would be credited to my checking account. After XXXX XXXX I went to the bank branch where I opened the account at XXXX XXXX XXXX, XXXX, XXXX. They told me that the credit card I had still had to remain secured for XXXX XXXX XXXX ( that is, a total of XXXX XXXX XXXX  when they themselves told me that after XXXX XXXX  it would be released. I accepted. 
After XXXX XXXX  I went back to the bank branch and they told me that the card could not be released. After that, my XXXX account was closed, so I couldn't send or receive money to my account. At that time, I went to the bank again, to the branch at XXXX XXXX XXXX, XXXX XXXX XXXX. There they told me that due to attempted fraud, they had canceled my XXXX and that it couldn't be reactivated again. I asked for information about fraud and they told me that they couldn't say anything and that they didn't have any information, since I was the account holder. So I never had any information about the " alleged fraud '' After that, they closed my checking account and my savings account without my permission. Also, all of my TD bank cards stopped working, so I couldn't make any purchases. And they started charging me interest every month on my secured credit card. I called the bank several times and I was never able to close the account. They transferred me to the credit card department and they transferred me to another department while I waited in line for a long time. To this day, I can't close my account and the interest keeps increasing. 
In the attachment I leave the account statements from XXXX of last year. My credit card stopped working in XX/XX/year>. In the statements you can see how to charge interest of {$40.00} every month to a secured credit card in which my spending credit is money that I paid in advance to the bank. Not only did they have the money but they also charged me interest of {$40.00} a month. And I couldn't do anything, even without being able to use the card for any expense. I really think this bank takes advantage of people with fewer resources.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (SC)

I have disputed World Finance on my credit report several times. Only for them to never have provided me any information verifying this loan. **They are reporting every single month to the credit bureaus and each one it is a different amount from a loan that it says was opened in XXXX. 

The date this loan on XXXX credit report was Date opened is XXXX Date Closed is XXXX XXXX with the remark code ( Profit and loss write-off ) and it says the highest balance is {$XXXX} XXXX it says it was opened XX/XX/XXXX closed in XXXX of XXXX THEN the Status was updated XXXX XXXX then all of sudden the Account was charged off in the amount of {$XXXX} written off. 
Now they are increasing my balance every single month since and now it's saying I owe XXXX I have disputed this several times and never heard anything back from from them, I have called them, sent the letters in the mail with no response. I want this removed from my credit and for them to stop reporting every month and increasing my balance every month.
Consumer complaint received 2024-08-19
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.
Consumer complaint received 2024-09-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (GA)

Marcus CD account XXXX- Received an email asking me to call Marcus as soon as possible regarding my new CD account XXXX - Made the first call, and was told that they were not able to verify my identity using my phone number & driver 's license, told me that someone will contact me about other ways to verify my identity XX/XX/XXXX - Second call, did not receive anything over the week and wanted to check. They said they were still working on it and asked me to call a week later if I still didn't receive anything XX/XX/XXXX - Third call because nothing happened, told me that Marcus would have to close my account. No reason was given, they said that they had the right to close any account. They also told me that they would mail me a check with my money. 

- XX/XX/XXXX - Fourth call because I did not receive a check, and I don't see any updates on my account. Made a total of 3 calls in the morning ( each about 45 minutes ) because it kept getting disconnected automatically. When I finally got connected, they told me that my account was not closed yet and they wanted me to call them 2 days later to know if they would actually be closing my account ( but excuse me? didn't you say you were closing it 2 weeks ago? ). They put a hold on my account ( so I can't transfer my money ) and had not yet closed it after 2 weeks ( so they couldn't mail me the check ). At this point, I felt like they were doing this purposely so they didn't have to give me the money. 
I asked if I could close the account on my behalf because I didn't want to use their product anymore, and the answer was no. They said someone would contact me about the status of the account. But if they didn't, call them 2 days later to check the status. 

I was not given any reasonings throughout the process. They never did what they promised to do, and they always asked me to wait more and contact them. I'm not able to do anything with my account and my money in there, and they are certainly not helping.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

From XX/XX/XXXX to XX/XX/XXXX, I attempted to purchase a multicity airline ticket through the American Express portal via the XXXX XXXX XXXX available for platinum Amex card members. 

The portal kept issuing an error that I needed to enter my loyalty number. I called Amex customer service 2 times to find out what the issue was. I was told to 1 ) logout and login 2 ) clear my history on my browser 3 ) restart my browser. I completed all these steps multiple times but the issue was not resolved. 

In the meantime, the original price of my ticket increased by {$900.00} which Amex customer service agents attempted to get me to purchase. Technical support is unavailable and the reason for the error has not been made clear to me. 

I feel this is an attempt by Amex to not honor benefits theyve advertised to platinum card members.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (FL)

I took a mortgage with XXXX XXXX in XXXX ; I filed XXXX XXXX Bankruptcy in XXXX and the mortgage debt was discharged, but the home was retained by my then-spouse. Over 10 years has passed so the bankruptcy no longer shows on my credit report. However, the loan servicer changed hands and the mortgage is now owned by Shellpoint Mortgage. Shellpoint is reporting the mortgage debt on my credit report as a debt I owe. This is false. I am not legally liable for the debt since it was discharged in my XXXX bankruptcy.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (TX)

XXXX XXXX - Inquiry date : XX/XX/XXXX - Date opened : XXXX XXXX, XXXX - Credit limit : {$3000.00} - Balance : {$4500.00}. 
I have already disputed this with XXXX, XXXX, and XXXX. But, I had to file a complaint with XXXX XXXX and have not heard back from them. That would not have been an issue but I had an alert that Radius Global Solutions ( collection ) was now on my credit report. I called to see where this came from and it was XXXX XXXX XXXX account that was opened under one of the addresses that I have disputed and with the numbers that I have disputed. 

Radius Global Solution ( collection ) - XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX. Date opened : XX/XX/XXXX - Balance : {$710.00}. 
It showed up on my Credit Report through an alert. I had already frozen all three of my credit reports due to fraud under my name in a XXXX XXXX Account & incorrect information on my credit report. The person used a Michigan address, which I told them that I neither have lived in Michigan, I do not have XXXX XXXX XXXX, and I did not recognize any of the five numbers that were opened under the account. 

Hard Inquiries of Credit - I have reported to XXXX, XXXX, XXXX that someone has used my ID XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : wrong name and address on my credit report. Already reported them but they are still on my account XXXX XXXX - XXXX XXXX XXXX, XXXX, MI XXXX XXXX : wrong address on my credit report. Already tried to dispute these but they still show up. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : wrong address on my credit report. I have already tried to dispute this. 
XXXX XXXXXXXX XXXX XXXX SC XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Dear MCM Sir/Madam ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several 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 2024-09-10
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: GOLDMAN SACHS BANK USA (AL)

On XX/XX/XXXX I had 5 transactions on my Apple Card ( Goldman Sachs ) from monopoly go, I do not and have never had this app. The charges totaled over {$600.00} and happened within a minute from each other so I disputed them with Apple. Apple denied me twice which makes their decision permanent. I spoke with a supervisor on XX/XX/XXXX who helped me learn I had over {$4200.00} in transactions from monopoly go since XX/XX/XXXX. I opened a dispute with Goldman Sachs directly for all charges. I started to collect evidence trying to figure out how someone would have access to my Apple Card in my XXXXXXXX XXXX I checked XXXX and learned 2 devices I didnt recognize were logged in to my XXXX XXXX. I learned my XXXX was hacked which was linked to XXXX XXXX, again I have NEVER had this app on my device! I thought back to doing my taxes and signing up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and contacted them to see if I had any fraudulent activity and learned from them to download an app called XXXX to receive notifications. I had several stating my information was hacked from a site called, XXXX last year. ALL my personal info was listed on the dark web, addresses, emails, passwords, social security number, birthday, everything! And in XXXX of XXXX my information was purchased off the dark web! Thats how someone has hacked all my accounts! They have used my Apple Card on XXXX XXXX  my XXXX XXXX  card at XXXX XXXX XXXX XXXX my credit info to obtain credit cards and my XXXX! All of which is linked to my XXXXXXXX XXXX  and passwords saved through my XXXXXXXX XXXX  I provided all this evidence to Goldman Sachs and Apple for the {$4200.00} dispute on charges for XXXX XXXX I have locked my credit through the 3 credit bureaus, I have changed my Apple Card number, created a new email and password for XXXX and my XXXXXXXX XXXX Ive done everything I can to prevent any more fraud and identity theft! But Im having trouble getting Goldman Sachs to approve my disputes for the XXXX XXXX charges, which to mean seem like obvious fraud. I really need some support and help here. I can provide you all evidence too! Even an appointment to file a police report I am waiting to be able to get a copy. A supervisor has to sign off on it before I can get a copy. Please help me if at all possible! If you need any more information please let me know! I am attaching a few files but can provide more if you need it! I have changed the Apple Card number in the digital wallet so the number I provide you will not match the transactions. I can not access the original card number. But I can provide you my other information to access my accounts. Just email me or call for that info since you stated not to put personal info in here.
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC. (MD)

Hello I Am The Principle to The Account by XXXX XXXX for XXXX, XXXX With Exeter Finance Llc I Accepted all of the Bills For i know that my Bills are Prepaid by my Corporation. 
I would Like to Endorse my Bills I want to transfer the principles balance to the principles account on behalf of the principle for every billing Cycle for Set Off I want to ask instruct 15usc 1615 in all consumer transactions if a consumer prepays in full a finance charge or a consumer transaction they are to be REIMBURSED Full anything over 1 $ On XX/XX/year> I gave a Security deposit of XXXX as Well As Used my Social Security as Collateral! 
They Owe me For Illegally Repossessing my Car they gave my info to a 3rd party which is Identity Fraud. My Insurance was not included I am the beneficiary owner and this is not beneficial to me which means they are in violation i Revoke my permission thats giving their company security interest and maintenance, services provided! Thank you
Consumer complaint received 2024-09-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (NC)

XXXX for about the XXXX time I asked XXXX when they called for proof of services and who exactly they are. They have the same exact account number as another company. I asked if they were the same and he said no but I owe XXXX. They can garnish my wages. Also said pay {$100.00} today and my debit is wiped off. I asked how and he couldnt explain. I said are there late fees that cause it to be {$210.00}? He said no. 
I have asked Revco solutions the SAME QUESTION. Nobody will answer. I dont see this on my credit and the hospital doesnt show it either. I have 3 letters in last last few months that security breach has happened and one includes medical information I dont believe I owe them and have given into harassment and been paying for a while until someone told me to talk to you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BOTH COMPANIES SHOULD GET COMPALANTS