davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BRIDGELOCK CAPITAL (CA)

I requested a loan, I received approval letter by email. Then I needed to speak to a representative to complete the application. I received all documents to sign and agree to the terms and conditions via email. I provided all of my information including banking information for the loan deposit. I did receive multiple transactions totaling {$1200.00}. Before these transactions were made, I asked questions about the conditions of the loan, the amount I was approved for, which I was told {$10000.00}. I said I didn't ask for that amount, they kept telling me they were almost done completing the transaction but someone had to call me back. I kept asking questions that were not answered and the person I was talking to hang up on me, then 3 deposits of {$400.00} were sent to one of my checking accounts and then transferred to another. I received a call back and was told that the amount I was originally approved for was unsuccessful because first I have to prove my identity and that I am in good faith to pay back, in order to do this I had to transfer the money back through XXXX, XXXX XXXX or XXXX. I kept asking questions and stating that I did not feel comfortable, the person started to get upset and saying that I could keep the money if I wanted to but they had me on a recording line and they work with the federal bureau. Long story short I hang up, changed my passwords and turned off my debit card as they had this information for payment purposes. I called my banking institution to report the problem, they created checks under my name and did a mobile deposit. I had to close my checking account, report it to the fraud department to investigate the transactions that came through.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I provided XXXX dollars plus in receipts. According to them I've only paid XXXX totals I'm XXXX years. The car note is XXXX a month. The car hasn't been repossessed ever. They are also playing with my payments. Meaning I have missed things
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to BARCLAYS BANK DELAWARE. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the fraudulent account. I 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.
Consumer complaint received 2024-07-05
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: TD BANK US HOLDING COMPANY (FL)

I have several TD Bank credit cards charges irregulars in 2022, I wait until the TD Bank credit card resolved the dispute and the credit card has been paid in full that way you don't considered this complaint as an excuse to not make the credit card payments. As well I have been requested TD Bank credit card to close my line of credit to avoid more fraudulent charges. 
TD Bank Credit card considered that the dispute claim is not relevant after contact the stores because the purchase was valid informed the business. I have an over charged in XXXX XXXX XXXX, {$690.00} I have Charges of XXXX XXXX V {$25.00} or {$35.00} several times, I never was at this salon at that time my nails show this clear because I am in hardship, I don't use Beauty salon when I am in hardship. Additionally, I have several liability deposits the business did not return the money or free the hold before I made the payment to TD bank therefore if the business returned the liability deposit money to TD bank the credit card must returned me the money. XXXX XXXX liability, XXXX XXXX XXXX XXXX. 

I really don't understand the point to open a Bank Credit Card Dispute, a Police -Theft Report, and cfpb complain. Because the cfpb will also close the case as not precedent and close with money to be returned. as well the Credit card and other and i will continue without Job and not able to work because I also have Fraudulent police reports. 
If these criminal actions are your matter of jurisdiction and you willing to investigate, don't hesitate to contact me to my email XXXX if you have any questions. ( Please have into consideration I have a hacker over my emails hiding your emails. ).
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (LA)

There were two with draw from two checks accounts and my discovered as saved it were an hinkers since I were on the there credit union navy feds..with a debit card I been casted closed over 7 years backwards ago ... him or her used a {$1500.00} the union allows and I were never tolded XXXX did only walked in for cash of {$1500.00} in person with XXXX i.d . displayed. Also I'm as for conviction sentence be heard in the courts of laws out XXXX XXXX Texas. There as is a long trial history of switching money from my account with asking how mush time needs for the defendants... .mostly over smoking XXXX XXXX cigarettes and my freedom of expression, etc..to asks..one courts been closed to from mis trusted outsider and them posted as workers in the network... heard recovering communication ... more information can be gathered from me the solution XXXX feds workers whom were rejected from the systems to capitalize in a XXXX way because I'm XXXX with the word no not one of my picks... nor I'm sorry. 
Civil rights violations. 
XXXX XXXX
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

A collections listing from Diversified Consultants for approximately {$1000.00} was entered onto my XXXX  and XXXX  credit reports around XX/XX/2019. As soon as I noticed this, I sent the collections company a request to validate the debt. In response, the company sent me a letter that simply stated they verified the debt is valid. They did not provide me with any proof whatsoever. I have now requested proof twice, and each time they send me a letter that simply states they have investigated and the debt is valid.I have attached all letters I have sent them and the letter they sent me they incorrectly consider proper validation under federal law.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

Additional Fees. We're following up on recent changes to your Synchrony Bank-issued Credit Card agreement . Starting in XX/XX/2024, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you set up paperless statements and are sent your statements only in electronic form. Plus, going paperless means less waste. Go paperless today. 

Senior Citizens who do not have access to email will be affected by this new fee. Problems with the email process are not perfect. There is times when I will not receive an email message. This will not only cause me to pay the additional {$1.00}, plus a late fee from Synchrony Bank. It's another money-grabbing fee taxed by the bank to the consumer.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (GA)

Fir one pentagon federal credit union has reported a charge off that not only is inaccurate reporting but also I was told and stop by the repo company they ordered a repo even when I believe u advised them where the car was and also I phoned them they never pick up the car claiming that insurance company has it and now they state that they are waiting for the mechanic shop to send final bill well neither is nit true at all also pentagon never pick it up also tge amounts are wrong the company never pick up the vehicle for resell and there exist no charge off nor repossession if so why am I being ask for money from the mechanic shop when pentagon already advised me that they would pick it up .....
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation (NY)

I financed a car with bridgecrest/XXXX  in XX/XX/year> and I think its one of the worse decisions I couldve made. I fell behind on one payment and brought my account current in XX/XX/year>, not only did I do that, I paid in advance to cover everything up until XX/XX/year>. Despite that, my car was repossessed in XXXX of 2024. The reason I was given was that XXXX was unwinding the contract. I never got the opportunity to retrieve my things from the car including the license plates and belonging from the trunk, glove compartment, arm rest and seat pockets. The DMV is suspending my license because bridgecrest refuses to issue me a repossession letter which the dmv needs to prove when the car was repossessed and determine that I didnt need insurance from XXXX until now. DMV thought I had the car all this time. The repossession thats incorrectly on my credit report is causing me difficulties with getting another car, bridgecrest wont give me my money back stating that I have to wait until the unwinding process is over. Its been 2 months since my car was taken by bridgecrest/XXXX.
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (UT)

XX/XX/2024 I received correspondence from XXXX XXXX XXXX  which indicates my credit card account has a balance of {$0.00} and that they would be updating this information with the credit bureaus. 

XX/XX/2024 I got a letter in the mail from Midland Credit Management , Inc. titled PRE-LEGAL NOTIFICATION where they are harassing me with an attorney and intent to sue. Their correspondence says theres a balance from XXXX XXXX XXXX  for {$5100.00}. EVIDENCE # XXXX OF FRAUD ; the debt doesnt exist. 

The back of this letter also says The sole owner of this debt is Midland Credit Management , Inc . I am not listed as the owner of the debt. Under 11 USC 101 ( definition 8 ) consumer debt is incurred by an individual primarily for personal, family or household purpose. The credit card account I previously had with XXXX XXXX XXXX  was a consumer credit card account. How can Midland Credit Management XXXX be an owner of a consumer credit card debt if they can not be a consumer? EVIDENCE # 2 OF FRAUD ; if there is a debt that exists, it would be between the companies XXXX XXXX XXXX  and MIDLAND CREDIT MANAGEMENT , INC . 

Ive never contracted with Midland Credit Management XXXX Inc. Ive never signed anything indicating I owe this company anything. If the debt was purchased that wouldve been between XXXX XXXX XXXX  and Midland Credit Management , Inc. and not me. EVIDENCE OF FRAUD # XXXX ; when asked for validation they can not provide proof. 

I also understand that within my contract with XXXX XXXX XXXX  there was an arbitration clause that stated any legal process for this account would be handled in arbitration and not the court of law. EVIDENCE OF FRAUD # 4 ; if a debt did exist and if they could sue me it could not be in the court of law. The only contract Ive signed stated this clearly. More evidence Midland Credit Management , Inc. is committing fraud through the U.S. mail system which is grounds for mail fraud. EVIDENCE OF FRAUD # 5.

I believe Midland Credit Mangement , Inc. is fraudulently collecting on a debt that is not mine ( see evidence # s 1-4 ). I believe they are committing debt collection fraud and mail fraud. I believe this company is using abusive tactics which violates the Fair Debt Collection Practices Act to collect on a debt that is neither mine nor exists. 

Under FDCPA, I am seeking {$1000.00} in damages plus {$9000.00} in emotional and mental damages caused by the false, deceptive and misleading practice as well as the abusive language and hate speech I have unwarrantedly received from this letter produced by this company MIDLAND CREDIT MANAGEMENT , INC . 

All evidence of recent communication referenced above is attached. Supporting information on FDCPA and CFPBs recommendations/notes are also attached. Supporting USCs attached.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have disputed my Dept of Ed / XXXX XXXX XXXX but its still reporting on all 3 credit Bureau and they have not removed this student loan from my credit report, Personal Information : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX, XXXX : XXXX Name of company that reported the item youre disputing and the partial account number ( from your credit report ) Account Information : DEPT OF ED / XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : STUDENT LOAN Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for 240 months High Balance ( Hist. ) High balance of {$66000.00} from XX/XX/XXXX to XX/XX/XXXX Reason for your dispute : XXXX in Bankruptcy Any corrections to your personal information ( address, phone number, etc. ) Name change : XXXX XXXX ( please remove XXXX ) Equifax Information Services, LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone numbers : ( XXXX ) XXXX Website : www.equifax.com XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Website : XXXX XXXXXXXX Mailing address : XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX number : ( XXXX ) XXXX Website : XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

This was disputed before the deadline and no one responded with a list of how this amount was determined. In fact, no one responded at all. Instead, they placed this on.my credit report in XXXX, well before their own deadline to respond. I do not owe this and no one has proven otherwise.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ALLY FINANCIAL INC. (IL)

Hi In 2022 I was opened a checking account with ALLY bank XXXX was partner with the company for about 6 months and I made a purchase with XXXX XXXX regarding a car purchase for {$5500.00}. I disputed the charged, because the person I exchange funds with didnt sell the proper product. I received a credit {$5500.00} in which ALLY bank services have credit me and then froze my account to where I wasnt able to access the funds. Can someone review this case for me. Im entitled to the funds that I never received. They have closed my account
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (LA)

I have notified the company back in XX/XX/year> of financial hardship and asked to cancel my card. They cancel my card on XX/XX/year> and still charged me the annual fee for a cancel card and monthly maintenance fee. They want do no payment adjustment, just continue to add charges to the account and keeping bill increasing.
Consumer complaint received 2024-06-10
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. (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 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/year> I received a Barclays JetBlue credit card in the mail that I did not apply for. I immediately called the telephone number to report this and was told that they had closed the account down for fraud and reported it to their security investigation unit and labeled it as fraudulent they said that the account was closed and I should get a letter from the investigator, anywhere between XXXX days up to XXXX weeks I didnt receive another letter, but they assured me at the time that the account was closed. They did not say if the account was used if there was a balance nothing I did not receive any other communication from Barclays then I received a letter which is dated XX/XX/XXXX that I had enrolled in paperless statements which I did not because to my knowledge the account was closed, I called immediately and was told that they did complete an investigation and it Was determined that it was not a fraudulent account and that the card was used in XXXX for a flight. They would not give me any further information they said they would open it back up to the investigators, which is obviously not a resolution. I was victim of identity theft that I had no idea was even transpiring. This was one of three attempts to open a credit card. I had put fraud alerts on my credit after this happened in XXXX I also received a letter from a health insurance company that I was part of a breach back in XXXX that I assume maybe was where my information was sold to try to open these accounts but Barclays did not to my knowledge did not close my account if Im still getting correspondence in regards to this account I want to ensure that this is in fact flagged as a fraudulent account. I want all if any balances or reporting that were made on my credit report removed because it was fraud, and I want everything in writing from Barclays. In my opinion, it should be easy to identify it. It was not me who opened the account because I clearly did not fly anywhere on the dates theyre saying, and I dont understand how that wouldnt be something that would be easy to investigate, whereas you cant fly without identification, and I can prove where I have been and I know for a fact, I was not on a flights During the time theyre saying have I flown JetBlue recently
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (FL)

My husband opened an IRA account with Ally Bank several years ago with {$500.00}. My husband passed away in XXXX. In XXXX I requested to have the money from that account given to me. They required paperwork to be filled out. i filled out their paperwork with their help over the phone. After filling out the paperwork and mailing them the death certificate they denied me the money. They said I didnt fill out the paperwork right. So I had to ask for help from my own financial advisor. I filled out the paperwork again. Then had to have a guarantor stamp. I submitted those papers and then they said they never received the death certificate. So I sent that again for the third time. After all of that I was then emailed and said they are denying my request because the paperwork I submitted was old paperwork and they now have new paperwork. How do they miraculously have new paperwork when they sent me what I submitted. So I filled out new paperwork again. i was denied again because they said it didnt suffice and they now have more new paperwork. When they emailed me, there was no new paperwork attached. then when they did send the third set of new paperwork I couldnt print it out because after opening it it was just one giant ALLY logo. As a widow who has been dealing with deep loss, this companies policys are very bad. It is also as if they dont want to give me my husbands money that is rightfully mine. All of this for {$500.00}. I should get some kind of restitution of another {$500.00} for the heartache they have caused trying to get these funds. Its a shame banks dont pay interest to their clients when they mess up. Absolutely ridiculous.