davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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. (PA)

Re : Cease and Desist Demand and Dispute of Repossession Action [ Account Number - XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the debt referenced above, which you claim I owe, and to challenge the legality of the recent or pending repossession action related to this account. 

I request that you provide immediate validation of this debt, including the following : XXXX. The total amount claimed as owed, including any interest, fees, and penalties. 
XXXX. The original contract or agreement that outlines the terms of the debt, including my signature. 
XXXX. A detailed explanation of how the debt amount was calculated. 
XXXX. Documentation showing that the debt is still enforceable, including the chain of custody or assignment of the debt if it has been sold or transferred. 
XXXX. Proof of compliance with all relevant state and federal laws concerning the repossession, including notice requirements and timelines. 

Until I receive full validation of this debt, I consider this debt to be in dispute, and I do not acknowledge any obligation to pay it. 

Furthermore, under XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease all communication with me regarding this alleged debt and repossession. This includes phone calls, letters, emails, or any other form of contact. The only exception to this demand is communication required by law, such as providing the validation of the debt as requested above. 

Please be advised that failure to comply with this cease and desist demand, or to provide the requested documentation, may result in legal action being taken against your company for any damages I XXXX suffer as a result of your actions. 

I expect your immediate compliance with this demand and that all collection and repossession activities cease until this matter is fully resolved. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-26
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-14
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Navient Solutions, LLC. (CA)

I had been slowly but sure making payments to to Navient for years, as I struggled financially to repay student loans that were a terrible decision due to my lack of understanding and knowledge I agreed to attend XXXX XXXXa scam of a school that wasted my time and thousands of dollars in loans for nothing in return. Never properly educated. Never received diploma. Tried to address the issues with no luck. I struggled to make payments to Navient first with citizens, then Navient and it was such a negative experience. I finally paid off my loans and agreed to close the account years ago around XXXX but I never received my payoff letter or my confirmation of paid debt and closed account. I have been harassed since then according to them I still owed money which makes no sense. I need help.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/year> I had a unauthorized charge from XXXX XXXX XXXX. TD Bank gave me provisional credit on my debit for a service from XXXX XXXX XXXX i never activated and sent back the XXXX & XXXX equipment back and got receipts TD Bank decided to take away the credit they gave me on my debit card for no reason they reversed it on XX/XX/year> this is not right it was {$130.00} i want my money back i never paid for this XXXX XXXX XXXX service
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Transunion has blocked me from seeing my credit report online. 

1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Regarding Navient. I continue to dispute this debt and I want Transunion to answer the following questions as previously requested. Please explain to me how you conducted your investigation! 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. 2. What certified documents were reviewed to conclude your investigation? 3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If you reply yes to the above then : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke directly to the above party? What is the position of your employee that spoke to the above party? How long has that individual been employed by your company? What type of training was provided to this employee in order to investigate items of this kind? Were there any e-mails or written communications between employees of your company and the above party? 8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question. 9. Please provide the date of the commencement of delinquency. 10. Please provide the SPECIFIC date reporting of this item will cease. Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account ( s ) in question. A template response will not be an acceptable response.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (FL)

( 1 ) XXXX XXXXXXXX # XXXX THIS ACCOUNT IS REPORTING AN INACCURRATE BALANCE AND REPORTING DATE .IT IS A CHARGE OFF. I ASKED FOR SIGNATURES AND DOCUMENTS FOR THE ORIGNAL CONTRACT. I NEVER RECEIVED ANY PROOF. IT COMES BACK VERIFIED EVERYTIME. 
( 2 ) XXXX XXXX XXXX. WITH THIS ACCOUNT I HAVE DISPUTED AND ASK FOR THE ORIGNAL CONTRACT AND THE METHOD OF VERIFICATION. MY INVESTIGATION COMES BACK VERIFIED WITH OUT ANY PROOF OF HOW IT WAS VERIFIED. 
( 3 ) BMO BANK NA- XXXXXXXX THIS ACCOUNT IS INACCURRATE AND IT WAS SOLD TO XXXX  XXXX XXXX IS A COLLECTION. BOTH OF THESE ACCOUNTS ARE REPORTING THE SAME DEBT. THE REPORTING IS INACCURRATE ON XXXX AND XXXX NOTHING MATCHES UP ON THE REPORTING. PLEASE DELETE ( 4 ) XXXX THIS ACCOUNT IS REPORTING INACCURRATE DATE OPEN. DATE OF LAST ACTIVITY ON XXXX AND XXXX EVERYTHING IS INACCURATE REPORTING NOTHING IS THE SAME. I ASK FOR THE METHOD OF VERIFICATION.I WAS NOT GRANTED ANY PROOF OF HOW THEY VERIFIED THE ACCOUNTS. ( 5 ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS A CHARGE. IT IS REPORTING INACCURATE DATE OF LAST ACTIVITY. DATE OPEN WITH XXXX AND XXXX NONE OF THE REPORTING IS THE SAME. I ASK FOR ORIGINAL DOCUMENTS AND PROOF OF HOW ITS VERIFIED, THEY NEVER SEND ANYTHING. IT COMES BACK VERIFIED. IF THESE COMPANIES CAN NOT PROVIDE ANY DOCUMENTS OR ANY PROOF. I WOULD LIKE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2024-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC (NJ)

I have insurance and this is falsely on my credit I need it off asap XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit management compan XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Unable contact company to freeze credit. Login credentials stopped working and phone hotline will not connect to a representative and they will not call back after requesting it. Unable to reset password as it continues to give me the following error. " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' Upon further research this problem has been plaguing consumers for nearly a month. I'm trying to freeze my credit but unable
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have received a collection on my credit report from PORTFOLIO RECOVERY. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$1400.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

Background : On XX/XX/year>, I received an advertisement for a Breadpay credit card addressed to my residence in XXXXXXXX XXXX 

Subsequently, on XX/XX/year>, I submitted a credit card application through Breadpay. 
During the application process, a credit history check was performed, resulting in a XXXX reduction in my credit score. 
Unacceptable Delays and Lack of Communication : On XX/XX/year>, I contacted Breadpay support to inquire about the estimated arrival date of my credit card. I was advised to wait " a few more days. '' This same response was repeated on XX/XX/year>, when I followed up again. 
Same response was given on XX/XX/year>, when I followed up again. 
As of today XX/XX/year>, I have still not received the credit card and was provided the same generic response upon contacting support. 
Escalation and Potential Next Steps : This extended wait of over 34 days is unacceptable and highly frustrating. It is concerning that despite multiple inquiries, I have received no concrete information regarding the status of my application or the reason for the delay. 

This situation raises concerns about potential misrepresentation on Breadpay 's part. The advertisement seemingly promised a swift application process and card issuance, leading me to believe I would receive the card within a reasonable timeframe. 

XXXX is only good for canned responses. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valentine and Kebartas, Inc. (NJ)

I set up a settlement plan on the website of Valentine and Kebartas. It was for 3 outstanding debts. I set it up and made my first payment. My second payment was successful then they abruptly cancelled the plan. I called them and they said the plan was not valid. It was on there website under my name in the portal. They said there was nothing they could do. I called my bank and stopped payment. I have screenshots of everything but I was deceived and thought I was in the arrangement. I want this deal to be honored because it was put out there for me under my payment portal
Consumer complaint received 2024-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (AZ)

After my initial complaint, I heard from XXXX XXXX of Shellpoint ' Compliance Department. On XX/XX/year> I wrote to XXXX XXXX and addressed my concerns which were not addressed in her initial correspondence. 

This correspondence which was sent by Certified Mail was received by Shellpoint a few days after my letter of XX/XX/XXXX, but to date no response. 

Additionally I received an odd communication from Shellpoint saying I has asked for who the owner of my loan was and that was not information I requested. 

The confusion and constant errors really gives the appearance of malfeasance and does not make me comfortable with Shellpoint 's ability to service my loan properly.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HUNTINGTON NATIONAL BANK, THE (FL)

I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
HUNTINGTON MORTGAGE CO XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, while on the computer a notification popped up informing me that my computer has been compromised. There was a XXXX notification. I called the number. The person I spoke with told me that my phone, computer and bank information was exposed. He said that if I use my phone that the hackers could hear everything. I needed to contact the bank. The technician said that he can call them on a secure line. 
Which he did. I spoke with who I thought was customer support. The person acted like he really was from the bank. This person informed me that my account was being hacked by someone who was ordering XXXX worth {$2000.00}. This person said that it appears to be an inside job. He told me that i had to go to the bank and transfer my money into a secure bank account. Which he provided all the information, for an account in XXXX XXXX. 
The amount was {$23000.00}. The bank sent an email informing me that they will not replace my lost even though they had time to stop the transaction. They stated that I iniciated the transaction. Which makes it look like I was part of the scam. I contacted the fraud department and filed a claim. I have yet to hear back from them. I called the bank and the person I spoke to said that the case is closed. I did not receive a hard copy of the case being closed.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Chase closed my account on XX/XX/year>, without informing me. When reaching out to understand why the account was closed, I was informed that there is no reason and they will not be able to tell me why. One person stated that they never tell anyone so you may never know why your account was closed. I currently have funds sitting in my account and was informed that I wont receive my money until XXXXXXXX XXXX XXXX XXXX. I received a letter on the mobile site on XX/XX/year> telling me to contact Chase in order to give information they may need in order to stop the close on my account, the letter was false information because they already made the decision to close the account. If any information was needed the letter should of been sent out before the closing of the account so I can inform them that everything in my account is accurate.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Against Midland Credit Management and XXXX XXXX XXXX XXXX XXXX, XXXX Dear CFPB Representative, I am writing to file a formal complaint against Midland Credit Management and its legal representatives, XXXX XXXX XXXX XXXX XXXX, XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I believe the following violations have occurred : - Improper credit reporting regarding a debt that was discharged in [ year ] and is still being pursued. 
- Harassment and unfair debt collection practices, including sending letters that misrepresent the debt amount and refusing to provide requested documentation. 

I have attached all relevant documentation, including letters, credit reports, and legal correspondence. I request a full investigation into these practices and ask that all improper collections activities cease immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

XXXX, 2024 My credit card company recieved an email by my bank that payment would not be made due to insufficient funds in my account. 
XXXX XXXX, 2024 I received an email from my bank on the same Transaction but my bank tells me it wasn't paid due to fraud alert. I have both emails to verify. Immediately after speaking to my credit card company I logged into my online banking app and screen recorded my account. I also screen recorded it days later and it's been changed. ( To reflect no mistakes on my banks part ) I have both recordings.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glasser and Glasser, PLC (VA)

I was sent a letter ( attached ) from my employer/XXXX XXXXXXXX WAGE GARNISHMENT XXXX XXXX XXXX XXXX XXXX TX XXXX that they had received a WRIT OF GARNISHMENT FOR CASE I. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5800.00}. The letter has my current mailing and physical address on it. THIS IS THE FIRST AND ONLY CONTACT I HAVE HAD ABOUT ANY DEBT I OWE, I HAVE NOT BEEN SERVED FROM ANY PROCESS SERVER OR COURT. I DO NOT OWE ANYONE, THERES NO SIGNATURE ON ANY TYPE OF APPLICATION OR DOCUMENTS. I DO NOT OWE ANY CREDITORS. I SEARCH COURT CASE INFORMATION IN XXXXXXXX XXXX XXXX  XXXX XXXX XXXX WHERE I RESIDE AND FIND A HEARING THAT BY DEFAULT I RECEIVED A JUDGMENT AGAINST MYSELF WHERE ATTORNEYS GLASSER & GLASSER ON BEHALF OF XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX XXXX XXXX HAVE FRAUDULENTLY SERVED ME WITH THE COURT CASE INFORMATION AND THRU THIS FRAUDULENT INFORMATION PLACED A JUDGEMENT ON ME. I DID NOT RECEIVE ANY INFORMATION TO DEFEND MYSELF ON THESE FRAUDULENT CHARGES. I DO NOT OWE ANYONE MONEY. I DID NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXX. AND MY CREDIT REPORTS DO NOT SHOW ANY OF THIS ON MY REPORTS. BECAUSE I DONT OWE XXXX XXXX XXXX ANYTHING OR HAVE I EVER APPLIED FOR OR HAD AN ACCOUNT WITH THEM. THIS GARNISHMENT AND JUDGEMENT IS COMPLETELY FRAUDULENT AND XXXX XXXX XXXX AND ATTORNEYS GLASSER & GLASSER ARE collecting money from a garnishment from a default judgment against myself that I wasn't served on and could not defend myself due to not knowing of the court case against me. I went to the garnishment court hearing date that was published online in court records and the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX stated to me there was no case that was published online for the garnishment hearing. There was a lawyer from Glasser & Glasser at court and I spoke with him but he could not anwser any questions and asked me to contact the law office by phone. I feel I should have representation to contact these lawyers after the business practices they have proceeded against me leading to my now predicament of being forced to pay what I do not owe.