davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (PA)

TD bank has wrongfully stolen {$730.00} from me. They ignore my many emails and phone calls and have now closed my case despite providing no help or answers. An agent of theirs signed me up for the wrong overdraft protection services in early XXXX. I noticed late XXXX, contacted td, and everything was refunded and fine. The agent was very kind, helpful, and owned the mistake. I went to a td bank location on XXXX XXXX in XXXX to sign up for the correct program and confirmed I signed up. They deny that I was ever there, despite the fact that I have text messages proving I was there, provided by my boyfriend, who dropped me off there. I, thinking I was safe from overdrafting, spent money without realizing I was being charged hundreds of dollars in overdraft fees daily. ( I work a very hectic job and dont always have access to my online banking, so I was very confident in TDs overdraft program that pulls money from your savings into your checking ) I had more than enough money in my checking to cover the small expenses incurred throughout the few weeks I was being charged, and was sometimes even charged overdraft fees when my account was positive ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I can not live without the money they have stolen from me. XXXX and XXXX, the managers handling my case, have been reflective, unhelpful, and rude. While the first agent fully acknowledged TDs mistake, these women are flat out lying. I work a lot and my hours conflict with TDs and can be really unpredictable this time of year. Im disappointed and feel wronged, to say the least. Id like to close my accounts, but obviously dont want to until I get my money back. XXXX rudely suggested I come in since tds hours are very convenient but, ironically, Ive had to work almost every day the last month because I have to pay late fees for bills and catch up on rent. 

Id like my money back ASAP before I take this to small claims. 

Note from the images below XXXX has not once tried to contact me, but was CCd on every email.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CBC Companies, Inc. (CA)

I did an online inquiry about refinancing my home. I began to receive multiple calls, emails, text messages from different companies. One identified themselves as my current mortgage lender. This was fraudulent. I contacted my actual mortgage lender and allowed them to run my credit for a possible refinance on XX/XX/XXXX. I was contacted yesterday from someone that identified themselves from XXXX and asked about my refinance in process. They offered additional savings. However, they reran my credit under " Factual Data '' as a hard inquiry that was not authorized. Only XXXX was authorized to run my credit. Upon further review I noticed that " Factual Data '' has run my credit on other occasions that were not authorized XXXX & XX/XX/XXXX. No other companies were granted access to run credit reports with my information apart from XXXX. I would like these credit checks removed from my credit score.
Consumer complaint received 2019-08-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I had taken a loan out from XXXX on XX/XX/XXXX. I had made one payment towards the balance.. I was fully aware of the collection calls. However, On XX/XX/2019 at XXXX XXXX  The Manager by the name of XXXX i dont have his last name came into my store, in front of my employee and myself he blatantly asked me if i had any intention of paying on the account. I told him this was harassment and illegal he scoffed it off and continued to ask and harass me about my account. As he was walking out the door he said he didnt care I was going to collections anyways. Threatening to place someone into collections is also against the law. This gentlemen has upset me and completely broke the law. He did violate the law and now i have to work next to him every day next door wondering if he is going to come into my store and harass me further. I would like to be updated on this as quick as possible. I am severely hurt and upset by this. He broke federal laws and something needs to be done!
Consumer complaint received 2019-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

This debt collector LVNV funding is still claiming that I owe them when I dont. This is a junk debt collector that I never signed any contract with or opened any accounts with. The original creditor wrote this debt off on their taxes and sold it to this " junk '' collector which I dont owe because I never signed a contract with lvnv funding llc. This debt collector does not have a right to collect from me under the FCRA. And should be removed from my credit report. I have also never received any written correspondence regarding this debt from lvnv.
Consumer complaint received 2019-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (NC)

My vehicle was totaled onXX/XX/2019. My vehicle was financed through credit Acceptance but was paid off by the other person insurance company in XX/XX/2019 in the amount of XXXX dollars which left me a balance of XXXX dollars. They closed and sent the balance to collections. XXXXXX/XX/2019 the company which is Credit Acceptance Corporation took XXXX from my account. I did not authorize this transaction nor have I spoke with the company.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

To Whom it May Concern : After viewing a copy of my credit report I noticed a collection account placed on my credit report from you in 2018 account number # XXXXXXXXXXXXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to Medicare and Medicaid. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (GA)

An affidavit was sent in XX/XX/2022 and the debt was removed and the debt has now returned back on credit report. Ive attached what was sent certified mail in XXXX and a screenshot of the removal of the debt. Ive attached other supporting affidavits as well.
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

While reviewing my credit report in XX/XX/XXXX, I discovered an open collections account for {$180.00} from TSI/940. After finding contact information, I called TSI and requested documentation for this debt, and expressed that I had never received anything to support this, thus believed this to be inaccurate. The collector insisted several times that I make a payment with my credit card. I was told that even if I paid the debt, I would not receive a letter. Concerned that this was a scam, I denied making any payment until I received documentation to show this was a valid/accurate debt. 

After recently applying for a mortgage with my husband, I received notification from the lender of a Derogatory Account. Obviously, this was a severe negative impact to our home buying process. I learned this was reported XX/XX/XXXX - nearly 9 months after my initial request for documentation. Since I did not receive notice of this being reported to the consumer reporting agencies, I waited 30 days before calling TSI again ( ref. FCRA ) in case something would come in the mail. I received nothing. 
On XX/XX/XXXX I called Transworld Systems , Inc. and spoke with XXXX XXXX who provided me with the following information : {$180.00} is from an invoice dated XX/XX/XXXX Reported to TSI agency on XX/XX/XXXX I requested that she provide me with the dates for any mail correspondence that XXXX sent me. She provided only two dates : XX/XX/XXXX : Letter containing debt information XX/XX/XXXX : Letter offering payment arrangement, asking " how can you resolve this bill? '' Since I never received either of the two letters she referenced, I asked that she confirm the address she has on file. She had the correct address.

She also advised that the collection was reported to all 3 agencies 3 times and provided the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : XXXX XXXX XXXX This has had a major impact to my credit score.

To date, I have not received anything in the mail allowing me to validate this debt. However, they continue to call me several times a day, from various numbers. Many of these calls come through my phone and say " Spam Risk ''. Several times I have answered and been hung up on. I do not have any voicemails from this company. When I reference the numbers I receive calls from, they do not match those which I find when doing a search online for TSI. 

I believe all of the above to be unfair and unethical collections practices - such as failure to provide notification and/or validation of debt, and failure to provide notice of reporting to consumer reporting agencies.
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (GA)

the servicer has elected to choose the budget that was tentative which is relating to the XXXX XXXX program with the XXXX XXXXXXXX XXXX. Nelnet has deliberately refused to review all the paperwork despite their XXXX  agent advises me that they would only adjust the excess that was relating to room and board. I have attached the confirmed budget that shows I was billed for room and board between XXXX budget financial year. Why is Nelnet is being deceptive and failed to do what is right.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MI)

I got approved for the card paid my {$200.00} deposit and week later I magically got denied! Im a single parent who work hard for his money and want my {$200.00} deposit back this is a scam and not fair that stated I was approved then later denied once they took and stole my money
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I recently received a letter ( copy attached ) attempting to collect a debt from a law firm, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, on behalf of First National Bank - Omaha. The letter was sent to a former address. I responded by letter ( copy attached ) requesting proof of debt and other records certified by custodian of records for FNB. In response, the law firm sent a photo copy of a purported judgement, obtained in XX/XX/2016, from a Justice of Peace Court in  XXXX County. I was never served with a subpoena or summons, and was unaware of the judgement, which I am yet to independently verify as truthful. I responded, informing the firm I was not accepting that document, and again requested bank records. Yesterday I was made aware that the firm sent documents via US Postal ( regular mail ), again to a former address. Said documents were in an envelope that appears to have been opened and resealed with tape. Said documents included my complete social security number, and other person identifiers and information. The same documents also contained a great deal of incorrect information. I believe said documents were obtained from an on-line data service that collects public records ( such as XXXX ). Again, they failed to comply with my request for actual bank records. Of greater concern is the gross misconduct of exposing personal data in such a manner. I know this firm is nothing more than a debt collector engaging in the purchase of outstanding debts. I do not believe they have the means to produce the records requested. I am also aware that this firm has had a number of complaints filed against them, and was named in lawsuit filed by the Mississippi Attorney General. I believe they are disregarding consumer rights and laws pertaining to debt collection.
Consumer complaint received 2019-04-09
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: ENCORE CAPITAL GROUP INC. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported by MIDLAND FUNDING LLC in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$510.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with original creditor ( 01 XXXX XXXX XXXX XXXX XXXX ) and has been confirmed.. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claim and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2019-10-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SN SERVICING CORPORATION (CO)

On XX/XX/2019 I verbally requested and also faxed a request to XXXX XXXX for a transcript of all conversations and also all correspondence between S & N and us. She transferred me to XXXX who informed me that they would not do that without a request from a lawyer. Our HUD advisor told us it was not necessary to have a lawyer and it was our right to receive this information. As of XX/XX/XXXX it will be 30 days since request was sent and I demand that this information is sent to us within the 30 day guideline. XXXX can be reached at XXXX XXXX or XXXX. We have made several offers take care of this. We were totally unaware that they continued to charge us 10 % interest during the time post bankruptcy that this loan was dismissed. We had tried several times to get the loan interest lowered which at the time loans were at 3 % but we were underwater with the loan as the home market plunged within months of this loan. This is what forced us into bankruptcy. These greedy banks have been unreasonable. Our loan number is XXXX.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I saw XXXX on my credit report. I called and was told that the account was closed and the message on the report states " refused to pay ''. I told them I do not remember opening this account. The agent said it is closed and even if I wanted to pay, they could not accept payment. He stated that some Wisconsin statue said it was past the limitations to collect. He said the statue will not let them collect after six years. The account was supposedly open in XXXX. I said it is only five years and its not mind. I disputed the account and was told I could not pay if I wanted to and it would stay on my report until XX/XX/XXXX. I am in the process of purchasing a home and this has been a total nightmare. I am a XXXX XXXX XXXX veteran and could not believe the treatment I received. I asked for something in writing and was told they could not furnish me with any documents.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To XXXX   Experian, and XXXX This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

Please note there are several errors on my credit report. 
1. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( please remove ) 2. I have no previous address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( please remove ) 3. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Please remove ) 4. I have never worked for SSA ( please remove ) 5. XXXX Card Services has consistently reported incorrect information. The date of last payment was not XX/XX/XXXX. This is an attempt to keep a debt on my credit report for longer than 7 years. ( Please remove ) I officially dispute this debt in its entirety. 
6. XXXX XXXX I am disputing this debt in its entirety. 
7. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 8. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 9. Please remove phone numbers that I do not recognize and were not my telephone numbers. 
a. XXXX b. XXXX c. XXXX d. XXXX e. XXXX f. XXXX g. XXXX h. XXXX i. XXXX j. XXXX Thank you, XXXX XXXX
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

I had an account take over with my comenity bank/ XXXX  account. So when the investigation was over with a new card was sent out and the lady said my account payment history would be updated since there were fraud which at the time I hadnt even used the card at that point and I called back to the security department and the lady stated she had nothing to do with the credit reporting and that she would send a email. Ive called several times this year.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (NC)

Credit karma has used false and deceptive practices in reporting my chances of approval for a credit card from XXXX  XXXX. They have stated that I had a good chance of approval so I applied and was denied credit card.furthermore it has damaged my credit file in which I seek remedy and since I was denied credit I want this iqury removed
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To XXXX XXXX, and Equifax This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

Please note there are several errors on my credit report. 
1. I have never lived at XXXX XXXX XXXX, XXXX, CA XXXX ( please remove ) 2. I have no previous address of XXXX XXXX XXXX XXXX CA XXXX ( please remove ) 3. I have never lived at XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( Please remove ) 4. I have never worked for SSA ( please remove ) 5. XXXX Card Services has consistently reported incorrect information. The date of last payment was not XX/XX/XXXX. This is an attempt to keep a debt on my credit report for longer than 7 years. ( Please remove ) I officially dispute this debt in its entirety. 
6. XXXX XXXX I am disputing this debt in its entirety. 
7. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 8. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 9. Please remove phone numbers that I do not recognize and were not my telephone numbers. 
a. XXXX b. XXXX c. XXXX d. XXXX e. XXXX f. XXXX g. XXXX h. XXXX i. XXXX j. XXXX Thank you, XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$11000.00}