davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: U.S. Collections West, Inc. (GA)

I have been trying to get this agency to properly validate their claims that I owe them a debt. They refuse to follow the law set forth under the guidelines of the FDCPA and FCRA. XXXX has notified me that they have fraudulently updated my address in my credit profile to reflect an address a XXXX XXXX address which places me under their courts local jurisdiction. I believe this was done in effort to file a default judgment against me in their local courts and illegally serve me. I do n't currently or have ever resided in the state of NV. On several occasions this agency has failed to follow the FDCPA and the FCRA. They have failed to validate the account and mark account as disputed within 30 days of notification of dispute. They continue to attempt to collect on this debt without properly validating this debt. They continue to collect knowing there is misinformation in the file.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (GA)

This is my formal complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last XXXX digits are XXXX. The FTC report number related with this complaint is XXXX 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. This is a proper question of data and announcing.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022. 




The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (CA)

I set up a payment with Comenity Bank/XXXX for a payment to be deducted from my account in early XX/XX/XXXX for {$400.00} to be paid on XX/XX/XXXX. I noted a few days ago that the payment had not been deducted from my XXXX account. I checked back with the Comenity Bank web site and noted that I was now past due. I will be charged {$37.00} for a late fee as a result. {$37.00} is an exorbitant fee for a late payment. I spoke to a CSR and they said they could not remove the fee since I had already had one removed in the past 18 months.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JPMORGAN CHASE & CO. (CA)

I receive telephone calls from XXXX Harassing me about an account XXXX I have never done business with them. They Claim Washington Mutual Bank was the seller when was this and for how much? They state that I owe them XXXX.
This is false Washington Mutual was more than 8 years ago for less than XXXX while I was sick. SOL had been up for many many years and these people continue to damage my credit.
They should be fined for harassment calling, false reporting, harassment.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AR)

VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MI XXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) 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. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-06-11
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: Experian Information Solutions Inc. (CA)

one inaccurate account is reporting under my experian and XXXX credit file, please find attached my police report and the FTC report for the flowing account, i have been disputing this inaccuracy for the longest times, please have this removed thank you
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MT)

I received about a year ago a letter from XXXX XXXX attorneys at law concerning a debt I have with Synchrony Bank, for a credit card for XXXX  XXXX  XXXX. I called and spoke to an agent explaining my situation that I am unemployed due to a handicap and unable to work. That I am trying to get XXXX but have not been approved yet. I worked out the issue with the agent who was in Wisconsin I believed. In the next few days I started receiving calls from agent for XXXX XXXX who were obviously calling from offshore because of their heavy XXXX accents. Even though I explained my situation to them they continued to call me every day claiming they needed a resolution with the debt. I finally had to send a cease and desist order to XXXX XXXX in Wisconsin to stop it. This year on XX/XX/2019 ; I received a letter from XXXX XXXX again inquiring about the debt. I called them and explained that I am still unemployed. The agent noted it on the account and asked about the Cease and Desist order. I told her to remove it because I wanted to work with them to resolve the debt. The next day I received a call from an offshore agent claiming to represent XXXX XXXX concerning the debt. I told him that I already spoke to an agent about it yesterday and explained it to them. His response again was but we need to have a resolution to the debt. I then remembered the last time when they would call every day. I called the number back on the letter and spoke to a XXXX at Ex XXXX and explained what happened. We determined that the Cease and Desist order should be reinstated. XXXX said she did put it back on. I figured that the Issue was resolved until today when I received a call from an Offshore agent claiming to be with XXXX XXXX about the debt. Her accent was so heavy I could hardly understand her, but I told her that there was a Cease and Desist order and she admitted that it was on there and she would make sure no more calls came. Unfortunately, my experience is these offshore agents do not respect no call orders. I would like these Offshore calls to cease and only work with on shore agents. I do want to resolve this debt.
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

On XX/XX/2019 XXXX XXXX my wallet was stolen. Reported to XXXX security and police department, report number XXXX. Called Bank of America and requested close my personal credit card and my secured credit card. Also requested transfer to business debit card but was closed. On the XX/XX/2019 XXXX visited Bank of America office and requested statement on my personal account, rep stated that is nothing to worries cards is bin already closed. Bank of America rep closed my businesses debit card also and issued a temporary card. 

On XX/XX/XXXX and XX/XX/XXXX a lot of activity happens to my account, called Bank of America and the rep on the phone stated I dont know why your cards in not closed, but I will let the fraud department know. 



Credit cards activities wont stop, I received many calls from store and ask if I did make all this orders. Called Bank of America again, bin verify and verify and verified again an transfer to a different representative till the phone is disconnected. 



On XX/XX/2019 my balance get in to negative XXXX. Called Bank of America again, after a long long hold and transfers they told that is my account is in review and will be on 24 to 48 hour. 



On XX/XX/2019 I visited Bank of America Bank again, they did look in to my online banking and said what the bank did, its for my protection and they will reopen my account. Later on this day I called Bank of America again and talk to a rep from NM, she look in to my account, she find all my request closing my cards and stated that she do nut understand what is going on. After a long waitings and several transfers I got in to a guy from the fraud department who said you have {$680.00} and you can close your account and take your money. I told hem that my available balance is owner {$6000.00}, he said can I put you on hold, he never come back. 



On XX/XX/2019 I got a lot of email from the bank stated that my email is bin changed, my phone number is bin changed. I called Bank of America again, well I dont need to tell again the verification, the transfer and verification and transfers again till I got to the same guy I did talked a day before.

I DID TOLD HEM I DID NOT CHANGE ANYTHING ON MY ONLINE BANKI, I DID NOT CHANGE MY EMAIL OR MY PHONE NUMBER, MY ACCOUNTS NEED TO CLOSE IMMEDIATELY This guy is started to attacking me like he did before, he started to turn the situation to like Im not who Im, he is verified several time my name, my EIN number, my mailing and business address and after he said, you couldnt verify who you are, you need to go in to branch and make your request there. 



IM LOCKED OUT OF MY ONLINE ACCOUNT. MY BUSINESS IS BIN DISABLED, MY MONEY FROM MY BUSINESS AND MY PERSONAL ACCOUNT IS DISAPPEARED. 



MY BUSINESS CANT PAY BILLS, MY BUSINESS DISABLED. 

MY PERSONAL ACCOUNT IS THE SAME. I HAVE NO MONEY AND NOT ABLE TO ACCESS ANY MONEY.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AR)

VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) 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 : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. 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. 
Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AR)

VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) 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 : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. 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.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (IN)

Greetings Radius Global Solutions, I'm writing you today because I have received several text messages from your company and I couldnt identify any record of a business relationship we may have entered into. Then I noticed that you have furnished adverse information on my consumer report for the sum of {$180.00}. The only problem is I do not have any record of recieving my right to dispute the debt prior to it being placed on my report. 
Please provide me with a copy of the certified mail receipt with my signature so i may review my records in accordance with the date of delivery and we may proceed accordingly. If you can not provide proof of receipt of initial communication notice, promptly inform the credit reporting agency 's to remove/delete this account from my credit report and if applicable by law, send an initial communication letter so that we may restart the process lawfully and with clean hands. 
Thank you very much
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I was trying to work in a hardship situation and Santander Bank denied helping me and took the pass due amount from someone else account I went to the bank to take my name out of the account since I don't have personal checking account and today XX/XX/2024 find out that I have a checking account as join with someone else. and they have to pay the account that it was deducted from.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

**Contribution Reason : ** Account Abuse Second account that not mine and need to be removed immediately The details of the disputed information are as follows : - **Name : ** XXXX XXXX XXXX **SSN/Tax ID # : ** XXXX - **Phone : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - **ID # : XXXX XXXX XXXX **ID Type : ** Driver License, **ID State : ** XXXX - XXXXAlt ID State : ** XXXX  - **Date of Birth : ** XX/XX/XXXX - **Bank Routing # : ** XXXX - **Account # : ** XXXX - **Account Type : ** Primary signer - **Incident Date : ** XX/XX/XXXX - **Principal Loss : ** - **Fee Reversal : ** - **Combined Loss & Fee Reversal : ** - **Paid/Unpaid/Settled : ** Unpaid - **Contribution Reason : ** Checking Account Fraud
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (FL)

Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXXXXXX XXXX XXXX  but I wasn't late nor have I ever had a late payment in my XXXX  years of life. 

This is causing significant damage to my personal life and may cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, XXXX XXXX
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2010 because our income had declined by over 50 % during the real estate crisis, we contacted our mortgage servicer Bank of America to ask for a loan modification. They ( B of A ) told us we qualify for the " HAMP '' mod program and the instructed us to start the trial period by making modified payments, which we did starting in XX/XX/2010. The trial period was supposed to be 90-days then either an acceptance or denial would be issued, based on on time payments. We followed their requirements and made all payments on time as prescribed, only to be declined 7 months into the program with no notification from the mortgage servicer. We called in to the bank in XX/XX/2010 to see where we stand because we had not heard from them at all. At that time they told us we were declined for modification because their " Investor Guidelines '' stated we had to be delinquent at the time of entering the HAMP program. We were understandably upset by this and the lack of communication from Bank of America, they had to know we were not delinquent at the time they told us to enter the trial payment period, so we filed a formal complaint with the US treasury service by the advice of our HUD counselor. Then approximately 3 weeks later we got a call from someone at B of A to see about resolving the issue. They put into an " in house '' loan modification which amortized us out another ten years on the note, reducing the payments for three years. The current issue is they refuse to modify our loan now based on our current income, continuously giving us the run around for reasons why, and they are reporting us as 60-90-120 day lates back in XX/XX/2010 when we were making the modified payments they put us in. We have asked them to update our credit report to show no lates as per page XXXX of the HAMP modification program guidelines, it clearly states that if the borrower is current at the time of entering the loan modification trial period and makes all the trial period payments on time, they are to be considered " Current '' as far as credit reporting is concerned .... I have asked B of A to adjust this issue as it prevents us from being able to refinance our current loan or sell our house and purchase another mortgage more affordable. They are not able to effectively respond and get this done, just dragging their feet and stalling us ... ..