davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Receivable Management Group, Inc. (GA) (TX)

XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notification Dear REC MGT GRP This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, whic

h may include seeking damages, an injunction, and any other remedies available under the law. This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be purs
ued in the future, all of which are expressly reserved.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (MO)

I was sitting at work on XX/XX/2023 when I got a notification on my cell phone of a payment for XXXX being approved at a XXXX. I did not authorize nor does anyone have access to my card, in fact the card was in my possession at the time of transaction so I have no idea how this payment was able to be approved. I am not a wealthy person and this was all the money I had in my account leaving me and my XXXX children completely without anything. Immediately after the notification came across my phone I called and disputed it with American Express and XXXX. American Express had failed to properly investigate my dispute not once but twice and declined both disputes. XXXX to this date has not responded to my dispute. I am frustrated, sad and completely out of options..I have been without my funds for a month now and American Express and XXXX has made it clear they do not care that I am a victim of fraud.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing in reference to an account that has been charged off which appears on my credit report. I believe this account may qualify for cancellation of debt reporting under IRS guidelines, as it is my understanding that the debt was effectively canceled by your institution. However, I have not received a Form 1099-C to reflect this debt cancellation.

According to IRS regulations, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. I request that you review the status of this account and verify whether this debt has been forgiven or otherwise settled in a manner that requires a 1099-C to be issued. If the debt has indeed been canceled, I respectfully request that you issue the appropriate 1099-C to me and update my account status to reflect that the debt is no longer owed.

Furthermore, as the debt has been discharged and is no longer legally collectible, I request that the charge-off be removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate. Since a 1099-C signals the cancellation of the debt, continuing to report the account as charged off or delinquent would be inaccurate and harmful to my creditworthiness. 

I ask that you promptly notify the credit reporting agencies to remove the charge-off from my credit report.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

XXXX XXXX contacted me i acknowledge the debt but the demeaner she used the threatening tactics about contacting a attorney in my area. I called back and asked for a purchase agreement XXXX  told me first it was in my file then they couldn't give it to me.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

15 U.S.C. Sec. 1681i ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a Consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. You have not showed me verifiable proof with my signature during the investigation and the reinvestigation that these accounts are mine. I Demand to see Verifiable Proof ( An original consumer contract with my signature on it ) you have on file of the accounts listed below. your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA Unverified Accounts must be Removed and if you are unable to Provide Me Copy of Verifiable Proof, you must Remove the accounts listed below. XXXX I Demand the following accounts to be correctly verified under the FCRA or be removed Immediately. [ 1.Account name : XXXX  Account number : XXXX ] [ 2.Account name : XXXX XXXX  Account number : XXXX ] [ 3.Account name : XXXX XXXX Account number : XXXX ]
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CT)

tHIS CAR WAS TOTALLED IN XX/XX/XXXX. INSURANCE REQUESTED PAYOFF AMOUNT. XXXX SENT PAYOFF AMOUNT AND THEY PAID IT. GAP DID NOT HAVE TO PAY ANYTHING BECAUSE THEY SAID THE LOAN WAS PAID OFF BY MY XXXX CO. IN XXXX AN AMOUNT OF {$1600.00} WAS PUT ON MY CREDIT REPORT. THEY SAID THIS WAS PRINCIPAL THAT WAS OWED. ASKED FOR DEBT VALIDATION AND XXXX XXXX XXXX TOLD ME THAT THEY DID NOT HAVE ONE.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I tried to cancel my Experian basic free account but there is no way to do so online and in looking up how to cancel it, they say to call them. I tried calling multiple times today ( XX/XX/year> ) and the automated bot asks for your social security number, which I didn't enter because I don't trust them and their online help states that you should have your membership number ready which I have and would happily share with them if asked but they don't. Then automated voice system doesn't have a cancel option and just continues to take me through a loop when answer that I want help with my membership ( which is one of the options they suggest ) and asks me the same question over and over again. I tried to ask for an agent and was told only very specific cases can be passed on to an agent without being told which cases and eventually the automated voice hung up on me. I still do not know how to cancel my account and they continuously send me emails even when all of my notifications are turned off and there is no unsubscribe link in the emails.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (PA)

A checking account was opened ( online ) at TD Bank using my name and personal data. I found out about the new checking account that had been created through an email from TD Bank stating that an accounts was created " TD Complete Checking '' with account number XXXX. 

I went into the local TD Bank XXXX, PA where I talked with the manager and whom I guess closed the account. 

I do not know how or why a bank would allow the creation of a checking account without seeing the person creating the account and a deposit for the checking account. Apparently they had my personal information including my SS #.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC. (SC)

I was joint on the car loan in the begin Exeter agreed to remove me from the auto loan prior to the repossession on behalf of the requested primary owner. I was no longer listed on this vehicle after full possession of the vehicle was the primary buyer. Please remove me from the auto loan and from my credit report inaccurate information. Exter has been calling and harassing me by phone with threating balance.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear ( XXXX XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2024-10-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (NJ)

I was in the process of applying for my home and i noticed this account from Global lending service for a auto loan, which was open XXXX and debt amount XXXX. I have no knowledge of this account I also never applied for a auto from Global lending service. Under USC 15 1692g, and 1681b permissible purpose this account is reporting inaccuracies.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NV)

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX, XXXX NV XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX Bank Account # XXXX Routing # XXXX XXXX XXXX Bank Account # : XXXX Routing # : XXXX XXXX XXXX  Account # : XXXX Routing # XXXX XXXX XXXX Account # : XXXX Routing # : XXXX Fifth Third Bank Account # XXXX Routing # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX ) Account # : XXXX Routing # XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Routing # : XXXX XXXX XXXX  ( Open Date XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX Bank ( Open Date XXXX XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX XXXXk ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX Account # XXXX Routing # XXXX XXXX XXXX ( Open Date XX/XX/XXXX XXXX Account # XXXX Routing # XXXX XXXX XXXX  ( Open Date XXXX XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX  ( Open Date XXXX XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX ( Open Date XXXX XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Routing # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Routing # XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc. (CA)

Subject : Complaint Regarding Violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 by CarMax Auto Finance for Inaccurate Personal Information Reporting To Whom It May Concern : I am filing this complaint against CarMax Auto Finance for violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act, specifically regarding the inaccurate reporting of my personal information.

Violations of 15 U.S.C. 6801 Under 15 U.S.C. 6801 ( b ), financial institutions are required to protect the confidentiality, security, and integrity of consumer information. CarMax Auto Finance has failed to meet these obligations by reporting inaccurate personal information on my account, including : Incorrect Name Variations : My name has been reported incorrectly in various instances. 
Inaccurate Addresses : CarMax Auto Finance has associated XXXX incorrect addresses with my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at, used, or been connected with these addresses. Despite my attempts to resolve this issue, CarMax Auto Finance has continued to report inaccurate personal data, violating the security and accuracy requirements of 15 U.S.C. 6801.

Violations of 15 U.S.C. 6802 Under 15 U.S.C. 6802 ( a ), financial institutions must provide clear and conspicuous disclosures before sharing consumer information with third parties. CarMax Auto Finance has shared incorrect information with third-party credit reporting agencies, without ensuring the accuracy of the data or obtaining proper consent, thus violating 15 U.S.C. 6802. 

These violations have caused significant harm by inaccurately reflecting my personal data in credit reports and negatively affecting my creditworthiness. 

Requested Resolution I request the following actions to resolve this issue : Immediate removal of all incorrect personal information, including the inaccurate name variations and addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Notification to all major credit reporting agencies ( XXXX, XXXX, XXXX ) to remove this incorrect information from my credit reports. 

Written confirmation from CarMax Auto Finance that these corrections have been made, along with an explanation of how they plan to ensure this does not happen in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (PA)

I was awarded a chargeback for a purchase and the refund check in the amount of {$6300.00} was to be sent to me. I was told the check was mailed back in XXXX. I have not received a check. Every time I call they tell me they are going to mail a new check. I still have yet to receive a check 2 months later. I am owed {$6300.00}.
Consumer complaint received 2024-07-08
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. (SC)

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 XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

I have requested that the insurance be paid through the mortgage servicer/escrow account. ( Freedom Mortgage ). 
The homeowners insurance company reached out to the mortgage servicer and provided the bill. The homeowners insurance then reached out to me with the bill and said the servicer wouldn't pay it. 
I reached out again to freedom mortgage via phone and email several times, including providing the bill that the insurance company provided to the both of us, stating my intent to pay the insurance through the mortgage servicer/escrow account. 
When I spoke to them on the phone they said I would have to make a request in writing via email, which I did on their portal. 
They took no action. 

They then called me to discuss the insurance and informed me of the fact that the property needed insurance. I reminded them they had received the bill from myself and from the insurance company and it was on them to pay it now since I had put the request in writing. 

Then they just hung up on me without answer. 

I got another call shortly after from Freedom Mortgage, wherein they were confused about what I was trying to do. They then bounced me around on hold from several people for several hours, with each person I spoke to knowing progressively less and less about what an escrow account was or what my intent was. 

I believe that Freedom Mortgage is going out of their way to make this process as difficult as possible, and even more frustrating is as we are continuing to struggle with the recovery efforts from XXXX and now XXXX, Freedom Mortgage is either ignoring me, or outright refuses to correspond on this matter. 

Despite being recently hit with XXXX natural disasters, I find that the most difficult thing to deal with has been Freedom Mortgage and their instance on making this as XXXX  as possible. 
Thanks, XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Consumer complaint received 2024-10-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Chrysalis Holdings LLC (CA)

Sat, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX, Yes, the payoff amounts shown on the loan papers reflect the balances reporting on credit. Thats why we are worked on obtaining settlement agreements with the creditors. For compliance we must write the checks as it shows on the credit report, but we will only need to pay the creditors they amount agreed to. 



XXXX  XXXX amount reporting on Credit is : {$5800.00}. 

XXXX  XXXX Settlement amount is {$2300.00}. 

Difference : {$3500.00} XXXX accounts reporting on credit {$9800.00} + {$1700.00} = {$11000.00} XXXX XXXX amount for both is : {$5600.00}. 

Difference : {$5900.00} Combined Difference : {$9500.00} This is the combined amount that will be refunded back to you after paying off the settlements for both creditors. 



Looking forward to speaking with you on Monday in full context to the next steps, but for confirmation was the closing paperwork completed today? 



Regards XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Company XXXX  # XXXX Tel : XXXX | Fax : XXXX | Cell : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, Florida, XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

According to 15 U.S. Code 1692g, which governs the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper notice of the debt and an opportunity to dispute it within 30 days before reporting or publishing it to any credit reporting agencies. If you feel this is my debt and you've sent proper notification please send me the certified copy of the proper notification, proper receipt bearing my signature and name on it.