davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
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: BARCLAYS BANK DELAWARE (AR)

Hi, I am writing about a fraudulent charge to my XXXX XXXX XXXX XXXX through Barclays XXXX. On XX/XX/year> I had a fraudulent charge from a XXXX in XXXX  XXXX. I have record proving that I was at my hometown of XXXX, XXXX  that day and gym records showing I was in town. I reported this a fraud and closed my account. They said they would remove the charge and let me know once the investigation concluded. Since then, they have charged me late fee and interest. I have called a total of 8 times and had 1 online chat to try and get this resolved. They have credited back late fees for XXXX and XXXX, but continue to add them each month. They also reported this late payment to the credit bureaus and it lowered my exceptional score. I called and they said they reversed the reporting to the bureaus, but when I disputed with them, they said the charges were accurate according to Barclays. Customer service with Barclays also told me I would not be contacted anymore about the charge, but it is harassment at this point. They text, email, call and have now effected my credit score for a fraudulent charge of {$50.00}. Ive literally never experienced anything like this and had a near perfect credit rating. This is criminal at this point and I dont know what else to do.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

Subject : Dispute of Erroneous and Misleading Consumer Reporting and Demand for Account Documentation I am writing to formally dispute the inaccurate and misleading reporting of late or missed payments associated with my account, as reflected in my consumer report. I demand an immediate correction of these inaccuracies and a comprehensive investigation into the matter. 

I am fully aware that the billing statements issued by your corporation in question function as bonds and coupon securities, which bear interest after their maturity. This interest is recoverable and redeemable by the holder of the coupon. Therefore, I demand to know who has been redeeming these coupons on behalf of the account holder, as this constitutes unjust enrichment of the BARCLAYS BANK DELAWARE at my expense. This practice is also grounds for identity theft, securities fraud and trademark/copyright infringement. 

I demand the following specific information and documentation related to my account : Identification of the trustee for my account. 
A full T-balance accounting ledger of my account, detailing all debits and credits associated with the account. 
Detailed documentation of any and all securities connected to my account, including the XXXX  number ( s ). 
The practice of unjust enrichment is well-documented in legal precedent, including the case of Everett v. Bennett , 30 F. Supp. 2d 469 ( E.D. Va. 1998 ), which highlights the improper financial benefit derived at the expense of another. Furthermore, In re Drexel Burnham Lambert Group , Inc., 160 B.R. 508 ( S.D.N.Y. 1993 ), illustrates the necessity of providing a comprehensive accounting ledger to ensure transparency and accountability in financial transactions. 

Please consider this notice a formal demand for the correction of my consumer report and the provision of the demanded documentation. Failure to comply with these demands within 30 days will result in further action, including but not limited to filing complaints with the Securities and Exchange Commission ( SEC ), Internal Revenue Service ( IRS ), Federal Trade Commission ( FTC ), Department of Justice Consumer Protection Branch, and seeking legal redress. 

I expect a prompt and thorough investigation into this matter and look forward to your timely response.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (TX)

First, Id like to say that ( below ) is the second fraudulent credit card application submitted/attempted in my name to Concora Credit Inc. ( the first complaint was CB Indigo/Concora Credit Inc and has been resolved, thank you ) Also, a credit card was not issued but there was no option to select the correct complaint which is : Submitted a fraudulent application On XX/XX/year> I received an email from Destiny Mastercard ( Concora Credit Inc ) that an application for a credit card was submitted in my name, but the email had a fraudulent address for me ( same as the first fraudulent application ). They requested that I remove the security freeze from my XXXX credit report to process my application. ( The freeze and fraud alert was placed because of the first fraudulent application submitted in my name to CB Indigo from Concora Credit Inc mentioned above ) I called Concora Credit Inc on XX/XX/year> and reported the application was fraudulent and requested that it be reported to their fraud department and removed from processing. The associate took my information and said I would receive an update by mail.

I just want to be sure this is taken care of immediately.

In addition, I just do NOT understand how Concora Credit Inc would attempt to process a second credit application in the same name/social that was reported fraudulent less than 60 days prior!! There should be some security protection for customers and victims of fraud!! Please do better!! 
Im also requesting that Concora Credit Inc place a fraud alert in their records immediately and deny any attempt to process applications using my name/social!! 
There should never have been a second attempt!! 
Thank you!
Consumer complaint received 2024-07-12
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. (IL)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (SC)

On XX/XX/, I mailed request to Discover Bank, to send me the disclosure pursuant to FCRA 6802 -see below : that was never given me any of the disclosure at the beginning of doing business nor didn't gave the the instruction to allow me opt out - nothing outlined in the term & condition that gave option for me to exercise my rights to opt out. I want to opt out from them sharing my personal information to any 3rd parties, including consumer reporting agencies. And at this time i haven't heard from them. 

Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt Out In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option Nothing of the above has been met from Discover Bank
Consumer complaint received 2024-05-22
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. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-12
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. (VA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA, XXXX Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX  XXXX, VA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA, XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX  * opened : XXXXXXXX XXXX XXXX Is an account opened by Identy theft and XXXX XXXXXXXX is an inquiry made not by me!
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I had email in my junk folder and I seen it said something was being sent to collections I thought it was spam but it wasnt I called them tried to dispute it but I get they said they cant do anything since its in collections I asked for proof the account they said I have to talk to collections I called the collections agency to dispute this and they told me they would send me the paper work for my dispute about three weeks ago Im still yet to recieve anything from them and when I called XXXX I found out there was another account for the same financial institution which I never even heard of
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I don't recall having a contractual relationship with this collection company MIDLAND CREDIT MANAGEMENT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year> at around XXXX my wallet was stolen at a very crowded bar. I found out in the morning at around XXXX when I woke up to multiple charges on my debit and credit cards. I immediately called Wells Fargo and let them know that my wallet had been stolen and multiple charges ( adding up to {$460.00} ) had been placed on my card at multiple XXXX and some ice vendors. Even while I was on the phone with the Wells Fargo representative charges were still trying to come through. I filed a police report as well and sent that to Wells Fargo. Weeks later I received a letter from them letting me know they would close the case, I called and asked if they needed anything else and why the case was closing, they told me it's because I couldn't provide the name of the person who did the unauthorized charges. I told them if I knew the name of the person who stole it I would've let the police know and they apologized and said they would go ahead and close the case.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-07-08
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

I requested LVNV FUNDING LLC remove this debt from my XXXX credit report because I'm not liable for this debt they are reporting derogatory marks on my credit report which are having a negative affect on my credit I have never been in contract with LVNV FUNDING LLC there are no signatures of mine on any contracts with LVNV FUNDING LLC also they have been aggressively trying to get me to pay them I'm currently under duress because of there tactics to destroy my credit this is a violation of 15 USC 1692d Harassment or abuse, 15 USC 1692b, 15 USC 1681e, 15 USC 1681b
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (MA)

Description of Complaint : Impacting Credit Score ( Caused by M & T Bank ) XXXX XXXX reported I had a late payment in XX/XX/2022 due to an error by M & T Bank. 

My online payment did not process due to my bank after People 's United Bank was bought out by M & T Bank and a processing error occurred from M & T Bank 's end. 

XXXXXXXX XXXX  then reported a late in XXXX XXXX XXXX to Credit Agencies. 

The processing error was completely outrageous because M & T Bank said in writing they would honor the old account number from People 's United Bank and did not honor this. They have had tons of trouble with their online banking and this bank under current lawsuits in the state of Massachusetts. 

This bank should be held accountable for these types of errors.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NV)

I am asking for this to be reconsidered as I don't qualify for the legal aid. I have received an updated letter from XXXX XXXX which better states the problem. I'm trying to rectify what happened : they cancelled all my cards, tanked my credit rating, and kept about {$1000.00} in cash rewards. 

This is what happened : I went into the Citi site and changed my XXXX from XXXX. Balance to pay in XXXX payments. That is the only action I took in this case. I did not place a stop payment on any transaction. I tried several times to make an interim payment but everytime, the payment was rejected by XXXX XXXX. 

When I changed my autopay, XXXX XXXX automatically created a stop payment on the account which also affect all subsequent payment attempts. XXXX from XXXX XXXX attached. 

I never stopped payment on anything, I have never been late on my payments or abused the credit.
Consumer complaint received 2024-07-12
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: DISCOVER BANK (AK)

I had a fraudulent charge XX/XX/XXXX where I ordered an audit with signed accredited auditors. The seller was fraudulent and used false pretenses and false and misleading statements to secure a purchase from me using my discover card. I disputed with DISCOVER and explained how the transaction was to be charged back or reversed as the product was not delivered as promised nor with agreed upon content. DISCOVER is trying to collect this charge which the seller refunded through XXXX as evidenced by the refund photo in the amount of XXXX by XXXX with the transaction numbers. I informed DISCOVER yet they said they can't do anything unless I add documents to the dispute yet they have closed it and won't allow access. This is XXXX XXXX as they are trying to charge me for returned funds and not crediting my account. Theft of my credits from XXXX and XXXX XXXX XXXX. Violation of the credit agreement as they closed my account without going through the mandatory arbitration clause. Unjust enrichment as they are keeping my refund and also trying to charge me those funds. Provide an asset representations review of my account, the money net XXXX transaction log of my account and the full accounting of the public and private side according to the XXXX rules. Provide me my original application without conversion since you have closed my account which is open on the orivate side to pass securities, the interest and principal fron the presentment to the treasury or local fiscal agent per The Federal Reserve Act section 16 1 & 2.
Consumer complaint received 2023-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (FL)

On XX/XX/2022. A transaction was made at XXXX XXXX, where I hold a line of credit, and they send me an email asking for authorization. I did not sign such email because I have not purchased anything on that date or anytime near that date. A few days later, I get a letter from Fortiva Retail Credit with a bill of an installment and a total amount owed of {$1300.00}. I of course panic and call Fortiva since I already had an account with them because of a fridge I purchase and finished paying several months prior to that incident. They opened and investigation but they have not gotten back to me and they keep charging me this bill and the interest keeps increasing. I also called XXXX and they said that such purchased was never made. I have no idea where this transaction came from but I am tired of constantly getting letters and emails from Fortiva to remind me to pay. I have absolutely no clue how they even got my information to do this transaction nor how this installment came to be. I need this off my credit and peace of mind because this has never happened to me before.