davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DriveTime (VA)

I am writing to file a formal complaint regarding a collection account labeled DRIVETIME/XXXX  Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-07-10
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. (NY)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX I 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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.

PLEASE DELETE AND REMOVE ACCORDINGLY. Thank you.
Consumer complaint received 2024-05-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MD)

Hi! 
First I don't recongnize NATIONAL CREDIT SYSTEM I never contracted with them. 
I only contracted with XXXX XXXX but later on they left. 

First this debt is not justified, second I was never imformed even though they knew my new address after moving out and contact information. 
I never got a chance to dispute until now, and I only found out because my application was recently denied for a new appartment. 

I used to be a tenant a XXXX for almost 3 years, But I paid everything before moving out, I have receipts and proof. 

During the time I was tenant we had a new management company, But I contracted with the old one, the terms of our contracts were different from this new management. 

for example XXXX XXXX  took {$200.00} as secuity deposit because the appartment was old and no improved. 
I have to call maintenance every weeks for mousings and pets issues which they never fixed, the winter was the worse they did not have heating functioning so they distributed free electric heating devices, but we could not use more than two heaters at the same the time, because the power will go off in the whole house, so it was useless those heaters, I was also leaving with the child who was getting sick often because the cold and pest, I even filed a complaint about. 

Living there was the worst experience of my life as tenant, but I stayed and paid my rent beyond the disconfort. 

This new management company will take you to court if you late on the rent for a day there is no way they will let me stay until the end of my lease if I did owe them anything.
Consumer complaint received 2024-05-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I am writing to file a formal complaint regarding inaccurate charges listed on my final apartment ledger and the uncooperative responses I have received from both National Credit Systems and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. regarding this matter. 
I have made National Credit Systems aware of my dispute to the ledger during a conversation with accountant XXXX XXXX in XX/XX/year>. However, I was met with aggression and refusal to investigate. XXXX XXXX, a representative for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, also discouraged me from pursuing the dispute, stating that he doubted my success in having the items removed. 
In both instances, I made both parties aware of the lease and its statement regarding the Early Termination charge which amounts in the total of {$3500.00} and XXXX utility charges which shows on the ledger for dates XX/XX/year> - XX/XX/year> which totals {$120.00}. I was met with discouragement and a lack of care for the legal documentation and proof of XXXX receipt.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (GA)

I was a victim of identity theft and this company is still reporting this fraudulent account ( s ) on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hidden Oak Group, Inc. (NH)

I had a loan account with XXXX XXXX which was sold off by them to Grassy Sprain Group Inc, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX NH XXXX XXXX XXXX. This company authorized XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX to collect this debt on XX/XX/XXXX On XX/XX/XXXX I agreed to a settlement with XXXX and it off in full over the next 3 months. 

However it seems in XX/XX/XXXX, Grassy Sprain Group has again appointed XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX XXXX Harbors MN XXXX XXXX XXXX to collect this debt AGAIN. 

XXXX  is now calling me and sending me letter attempting to collect a debt that has already been settled in full 2 years ago. 

I believe Grassy Sprain Group and XXXX are groups with malintent that just try to harass people for debt that is already paid off and should be barred from doing business.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (CA)

The company is reporting this Aliases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which are incorrect my Legal and only name is XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (WA)

I am writing to file a formal complaint regarding a collection account labeled SPRINGOAKCAP XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-11-14
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. (TX)

I called the closed student accounts with XXXX and XXXX XXXX about how accounts with them were reported. The XXXX representative stated he had only one account for me and I told him multiple accounts were showing up. XXXX XXXX informed me they only had one account for me and I informed them multiple accounts were displaying. I never gave these companies written or verbal permission to report anything to consumer reporting agencies.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. ()

We use Santander Bank- This complaint is with Santander Bank On XX/XX/XXXX we issued check # XXXX to a vendor in the amount of {$40000.00} On XX/XX/XXXX check # XXXX cleared our bank in the amount of {$11000.00} - We did not issue this check- This was a fraudulent transaction - Santander made us whole for this Fraudulent transaction - On XX/XX/XXXX check # XXXX cleared our bank in the amount of {$40000.00} - We did not issue this check- This was a fraudulent transaction - Santander made us whole for this Fraudulent transaction on XX/XX/XXXX. We filed a police Report for this theft. 

On XX/XX/XXXX Santander revoked the transaction for {$40000.00} stating we did not complete a loss affidavit in a timely fashion. Our local branch gave us the affidavit on XX/XX/XXXX, with little or no time to complete it. 

Every time I call Santander to check on the case I am told it is still open and there is no timeline for resolution. 

As of XX/XX/XXXX, the funds still have not been returned to us as Santander fights with XXXX Bank over a hold harmless agreement.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

Case # : XXXX On XXXX, I received a letter that you are trying to collect a debt written off and that there is no legal contract or agreement between Midland Credit Management and myself that would validate your authority to collect this debt. Your continued attempts to collect this debt are unlawful and unenforceable without a legitimate contract or agreement. Your attempts to collect this debt violate the Fair Debt Collection Practices Act ( FDCPA ). I demand that Midland Credit Management immediately : Cease all communication regarding this debt, except to inform me that you are terminating collection efforts or to notify me of specific legal actions. Provide thorough validation of the debt as required by law, including documentation proving that I owe the debt and that you have the legal authority to collect it. Correct any false information you reported to credit bureaus, and confirm these corrections in writing. Failure to comply with these demands will leave me with no choice but to pursue all available legal remedies to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as considering potential legal action for violations of the FDCPA. I expect a written response from your office within 30 days of receipt of this letter, detailing your steps to resolve these issues and providing the required debt validation. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

I initiated a wire transfer of {$25000.00} on XX/XX/year> from my XXXXXXXX XXXX savings account to my recipient account at XXXX XXXX. Federal tracking number : XXXX. That wire was declined on XX/XX/XXXX by XXXX. Later my recipient checked with XXXX that XXXX needed more information about the sender to deposit the money, and XXXX sent this request multiple times to the intermediate Bank, the Bank of New York Mellon , the latest was on XX/XX/XXXX, via secure message. But XXXX claims that they never heard from XXXX regarding the wire. So New York Mellon failed to forward the message between XXXX and XXXX multiple times. 

On XX/XX/XXXX, I requested the recall of the wire, and finally, my recipient confirmed with XXXX that XXXX wired the fund back on XX/XX/XXXX to the intermediate Bank ( New York Mellon ). The XXXX number is XXXX, and another bank tracking number XXXX provided is XXXX. Meanwhile, the XXXXXXXX XXXX always claimed that they have no single update regarding the recall of wire, as of XX/XX/XXXX, XXXX weeks after the fund was delivered to New York XXXX. I wonder why New York Mellon still has not returned the funds to XXXXXXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank ( XXXX fXXXX ) designed this online payment system XXXX XXXX XXXX XXXX XXXX XXXX XXXX doing its best effort to keep every " purchase credit plans '' on the accounts as long as possible with well-designed payment allocation algorithm which leads to revolving and never ending interest charges to its consumer customers. 

==details=== ================ PROBLEM XXXX XXXX Plan # XXXX has been credited from a returned merchandise in XX/XX/XXXX. The statement listed a credit of - {$1100.00} on statement XX/XX/XXXX page XXXX but still have remained on the account ever since, which resulting the past payement not applying towards the correct plans ( # XXXX, # XXXX, etc ) and therefore had incorrectly accured interests of at least {$670.00} + XXXX by far as of the end of XX/XX/XXXX. 

Request # XXXX - asked TD Bank to correct and reverse the charge of plan # XXXX from XX/XX/XXXX and remove that from the account. this should issue my account with a credit of {$1200.00}. 

Request # XXXX - asked TD Bank to reverse the accured interested charge of following : Plan # XXXX ( # XXXX ), for {$330.00} ( XX/XX/XXXX ), and Plan # XXXX ( # XXXX ), for {$330.00} ( XX/XX/XXXX ) TD Bank refused to assist further. refused to open statements and transaction history over 12 months. refuse to solving the issue. 

=============== PROBLEM # XXXX credit plan # XXXX was a {$1.00} transaction made on XX/XX/XXXX additional XXXX warranty plan or sort. this {$1.00} transaction has been kept on the account for 18 months and start recurring rolling interest charge. I have never default or behind on any payment. My account has been paid on time and above minimum payment ever since I started new account with XXXX XXXX XXXX XXXXD Bank retail ). 

=============== PROBLEM # XXXX Customer service lines are not readily available enough for public consumers. Calling in is the only way of customer service contact, but it's very difficult to get someone online answering the call. typical calls would keep you wait for 30~60 mins to get someone answering the calls.

Customer service line manager would not come to the phone to customer. Customer service line do not make outbound calls. they do not call you back if they hang up on you. 

=============== PROBLEM # XXXX The " CREDIT PLAN Number '' are not consistent and very confusing. they could change from one bill to another. just so the customers could not find a clue of what's really going on. 

=============== PROBLEM # XXXX confusing online branding and identity, with very confusing customer service points of contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (SC)

On XX/XX/XXXX I received a letter in the mail from The XXXX XXXX ( debt collector ) stating I owed {$75.00} for a visit to XXXX XXXX XXXX XXXX XXXX XXXX. I did not pay the debt right away and sent a dispute letter because I never received a bill from the hospital ( even after I called multiple times for one ) and I was not provided an itemized bill. Fast forward to today XX/XX/XXXX, I received an automated voicemail from XXXX ( XXXX ) XXXX stating to call them back because they were a debt collection agency called Wakefield and Associates. They stated I owed over $ XXXX for a medical bill, but they couldnt state from who because they werent their client. The bill comes from their client who they did not provide. They stated that they couldnt give any account number or reference ID number, the only thing they could provide was that the date of the visit was XX/XX/XXXX. I stated I would call the hospital and my insurance and handle it with them and they said to send them proof of the payment or this would go to my credit. 

I called my insurance and the hospital and they both provided that I only owe {$75.00}. My insurance assured me that there was no other claims from XX/XX/XXXX and that {$75.00} was it. I called the hospital and they clearly stated they do not work with Wakefield and Associates only XXXX XXXX XXXX XXXX XXXX XXXX I then called The XXXX XXXX XXXX XXXX they stated that they never gave my information and thats the only thing they have from XXXX XXXX. 


I googled Wakefield and Associates and many people state that they are scammers. I did have a feeling they were, but I want to make sure Im doing everything I can so that my credit is never compromised.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IN)

These XXXX XXXX XXXX credit cards were opened without my knowledge and I have no idea where they came from. I never received the cards and wasnt aware of the debt until Midland Credit Managment informed me of them and started legal proceedings
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX. 

i have more than a year in a really bad hardship due BANK OF AMERICA report my account to XXXX and EARLY WARNING SERVICES like account was FRAUD SUSPECIOUS. 

so perfect i call bank of America and they transfer me to risk department and i ask why they put that and they say they receive a transfer by e-check or payment by account and routing with other name. and i say ok. but i don't know about this payment why you didn't call me. they say ''ohh we don't call ''. my next question was where is the money. they say ohh payment was returned. i said ok. so why you report me as a fraud suspicious if is clear someone stole my identity or my info. 

the thing is that's not fair make a hurt my history for a transfer that i didn't made, i didn't take this money and THEY KNOW IS LIKE THAT because they don't have any prove that i try to make a fraud. thing is that information report is affecting my in my rights about affect personal finance reputation without evidence. and that's affecting my life and my RIGHTS. as say in the contitution XXXX XXXX XXXX person has the right to the protection of the law against abusive attacks upon his honor, his reputation, and his private and family life. 

i need that's be remove from my reports of ( XXXX and early warning service ) due i didn't commit any fraud or try to do it. if that's didn't affect me I'm fine. but for this little report i CANT open any account more than a year a go. i even cant pay my mortgage or any utility bill by account because i don't have account. i work very hard everyday, and that's not FAIR