davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Subject : Dispute of Inaccurate Debt Information and Request for Validation by Midland Credit Management I am writing to formally dispute the accuracy and validity of the debt information listed on my credit report and to request validation of the debt pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation F. 

According to my recent credit report, there is a debt listed under my name with the following details : - Account Number : XXXX - Amount : {$4500.00} I believe this information is inaccurate and incomplete. Under 15 USC 1681 and specifically 15 USC 1681i, I am entitled to dispute inaccurate information and request an investigation. I request that you reinvestigate this account and provide me with the details of the original creditor, the method used to verify the debt, and any documentation that substantiates this claim. 

Additionally, I request validation of this debt as required by 12 CFR 1006.34 ( d ) under Regulation F. Please provide the following information : - The amount of the debt at the time of the validation notice : {$4500.00} - A breakdown of the debt ( e.g., principal, interest, fees ). 
- A statement that I have the right to dispute the debt within 30 days of receiving the notice and information on how to dispute the debt. 

- The name and address of the current creditor : Midland Credit Management - The name of the original creditor if different from the current one.

In compliance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), please include consumer response information in your validation notice, specifically : - Disputing the debt or any portion of it.

-Name and address of the original creditor.

Furthermore, I have experienced abusive collection practices by Midland Credit Management, which include multiple calls at inappropriate times and threats, in violation of my rights under 15 USC 1692 of the Fair Debt Collection Practices Act ( FDCPA ). Midland Credit Management has not provided validation of information under 12 CFR 1006.34 ( b ) ( 5 ), yet they placed a collection on my report. Midland Credit Management has no authority to furnish my account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-5, 2 ( 7 ) ( a ). For these violations, I request that all collection activities cease until this matter is resolved.

I expect your prompt response to this matter. Please acknowledge receipt of this letter within 30 days and provide the results of your investigation within the time frame established by the FCRA and FDCPA. 

Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> 2024
Consumer complaint received 2023-05-31
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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. (MD)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number : XXXX  XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. 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 2024-06-12
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. (GA)

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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/XXXX - I used my credit card from Target to pay an item of {$570.00} in my son 's XXXX account. 
XX/XX/XXXX I reviewed my Target card statement and my own XXXX account and had forgotten the payment on my son 's XXXX account, thus calling Target Card services saying it was not my charge XX/XX/XXXX I remembered the charge was mine and called Target again. to apologize and to inform the charge was mine and was not fraudulent. Target said it will show fixed in my statement in a few days XXXX thur XXXX - Called Target card every other week because they keep fixing the charge and reversing it, moreover DUPLICATING it ( also three other smaller charges which had no issues where added back and forth from my account ) I paid the correct balance of {$790.00} ( included and extra {$3.00} ) on time on XX/XX/XXXX. 
It appeared they never fixed the incorrect fraud call, and the vendors were just trying to get paid, but Target kept treating them as fraudulent in spite of my notice at the end of XXXX, and in spite I paid Target for the item ( s ). Target kept saying the duplicated balance will be fixed. But they did not until I involved the XXXX, but my credit record dropped XXXX points because I did not paid the incorrect duplicated amount. 

My credit score was reduced due to their mishandling of my account.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (TX)

XXXX provided the document i will share with yall regarding no account found I have reached out to XXXX and requested they deleted the information but continue to state that XXXX has updated and certified the account is mine. 

This is my last attempt before I take legal action against both corporations. 

I have attached all exhibits below I have been fighting this for over a year now with no luck cfpb case no : XXXX
Consumer complaint received 2024-06-12
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. (MI)

XX/XX/XXXX Name : XXXX XXXX XXXX Birthday : XX/XX/XXXX Ssn : XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX To Whom This May Concern, I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor CONSUMERS ENERGY THIS ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF THIS WHATSOEVER XXXX unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTINGACT section 623 ( a ) ( 3 ), and Iam keeping CAREFULrecord of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. Iwill be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, Imay be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

*Please remove all non-account holding inquiries over 30 days old.

Thank you for your cooperation in this matter, XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint as an individual consumer. After examining my credit report, I noticed erroneous late payment entries. Despite sending written correspondence over XXXX  days ago, I have not received a response, nor have they provided adequate validation for these inaccurate entries. I respectfully request your intervention to facilitate a resolution to this issue.
Consumer complaint received 2024-06-12
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. (AZ)

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 2024-06-12
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-06-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX I received a check from my grandmother in the amount of XXXX. I deposited it into my bank through the app. As usual, a hold was placed and the funds wouldn't be available until XX/XX/XXXX. On XX/XX/XXXX the account was closed. I only found out because I could not log in. I called customer service and the lady ( don't remember name ) told me it was a business decision to close it. So I go to the branch that I frequent and ask what is going on and spoke to XXXX XXXX XXXX. He was very kind and tried to get some answers Over the phone at his desk. the rep stated I wouldn't have access to funds and that the XXXX check did indeed cleared and basically there's nothing that I can do. The following day, XX/XX/XXXX, I called and spoke with XXXX ( representative ) who did tell me that the account would officially close XX/XX/XXXX. At that point a check would be mailed. She offered and made a request that I may draw out the funds for emergency reasons. She said I had 5 days to follow up on a response from the risk closure department. She also transferred me to XXXX, who could shed light on what happens with the dispute now that everything is closed. He also, put in a request to retrieve funds.Later today XX/XX/XXXX, I tried one last attempt at collecting the money from savings. I went to the branch in XXXX, MO and sat down with a lady who told me the funds were " frozen. She gave me a number to call and I spoke to a man named XXXX, part of the risk closure team. He was unempathetic, condescending and very adamant about not having to provide an answer other than the closure is a business decision and that my funds will not be available until the account closes XXXX. I tried to be civil but his off-putting customer care caused me to be more upset. He mostly repeated that ( in so many words ) I signed away my rights pretty much and it doesn't matter if it abusive, unethical or an unfair practice to do what they did. 
( side note ) on XXXX I called Bank of America customer service and spoke with XXXX to dispute XXXX transactions that in retrospect I felt could be fraudulent/ predatory. I was pressured to pay this amount as soon as possible or I'd be taken to court and sued. The agency called my mother and my job and left a file number and claimed they were affiliated with county courts.My Boss texted, then told me in what they said over the phone to them once I was at work. I called the number and I asked them repeatedly to identify themselves and the only name they gave was XXXX they were affiliated with lawyers and processing. I explained this to XXXX and she informed those transactions were now in dispute. I asked if the money would be reimbursed while investigation was pending and to my understanding it would be.However, if it wasn't right away I understood as this was a large transaction. Next thing I know 3 days later my account is closed and there isn't a thing I can do to retrieve the money that I desperately need.
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (NC)

I paid off a loan on a XXXX XXXX truck with the Navy Federal Credit Union, on XX/XX/XXXX. The payoff balance was {$1300.00} and was paid via debit, while on the phone with a NFCU customer service representative. The problem is that internal departments of NFCU do not interact or communicate the changing status of any one account, in a timely manner. This lack of internal coordination that was admitted to me by an NFCU employee, while on the phone, caused the NFCU to take an additional {$480.00} from my checking account. One internal department of NFCU should have notified the other that the loan was paid in full, closed the account and ceased any scheduled, monthly automatic withdrawals. When I contacted the NFCU regarding the issue of their receiving an additional {$480.00}, I was told that I needed a memorandum from my bank manager clearly stating the source of the additional {$480.00}. I felt this was a ridiculous request as the NFCU had established the automatic draft in the monthly sum of {$480.00} while on the phone with me, in the first place. As of yet, the NFCU has refused to return the additional amount of {$480.00} that was withdrawn from my checking account on XXXX XXXX. Lastly, I have heard absolutely nothing as to when I will receive the title for the vehicle. I have a perfect payment history with the NFCU, with XXXX perfectly maintained accounts when this incident occurred. I am an honorably retired, XXXX XXXX percent XXXX, former XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, with a XXXX XXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and as a XXXX XXXX in XXXX XXXX. As my health may be unpredictable at times, this error in the handling of my money, by the NFCU could result in a financial hardship on me. I am requesting your assistance in the timely resolution of this matter. 

Thank You
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MA)

XX/XX/XXXX, a Credit Alert was sent to me reflecting that my credit score dropped by XXXX points due to a 30 day late payment marked on my personal reporting. This same event happened before on XX/XX/XXXX, I checked my Credit Report and saw a late marked from TD Bank. I looked online and couldn't see the account in reference. I went into the branch and they admitted that my new business credit card was not linked to my customer profile to make any payments until fixed at the TD Bank branch yet they still auto 30 day late to Credit Report. The manager called the collections department together with me to attempt to get it removed but fell short of getting it done. Collections stated that I need to open a case for it was out of their hands. 

This time in XXXX, I can see the account online but they obviously still have it tied to my personal SSN. 

This a business account that has its own XXXX  associated to it. Why is it appearing on my personal credit bureau.
Consumer complaint received 2024-06-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (GA)

I am writing to formally dispute incorrect entries listed on my credit report associated with XXXX XXXX XXXX, which I believe have been reported in error. The entries in question are listed with two distinct account numbers and balances as follows : 1. Account XXXX : XXXX with a balance of {$2500.00} XXXX. Account Number : XXXX with a balance of {$2000.00} I wish to bring to your attention that I have never owned or resided in an apartment associated with these accounts, and thus, I consider these entries to be inaccurate. The presence of these discrepancies has affected my credit score negatively, causing me undue stress and potential financial harm.
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (CT)

I am writing in response to repeated phone calls from CREDIT CONTROL LLC, with the most recent one received on XX/XX/year>. Please note that this correspondence does not constitute an admission of any debt. Over the past few months, I have been subjected to constant phone calls and harassment without any proof of debt. My requests for debt validation have been ignored, and I have not received any formal letter providing an opportunity to dispute the alleged debt. Consequently, I am submitting this complaint online through the CFPB portal.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

I have a debit card linked to my checking account at TD Bank, it is only used at two TD Bank ATM 's, never at a retail or online store. 

I have had my debit card compromised twice recently, both times after using it at the ATM at the TD Bank on XXXX XXXX XXXX XXXX XXXX. And the people I speak with at TD Bank do not care and brush it off as 'it happens '. 

When the first occurrence happened, I notified the branch and the XXXX call center. I told them both the pre-authorizations and charges were fraudulent and that it occurred after the ATM in the branch was serviced ( I waited for the technician to finish, it was on a bank holiday and the branch was closed ), no one cared, they just made excuses. Now, its happened again with the new card, used at the same branch ATM. The person I spoke to says it just a coincidence. I doubt anyones bothered to check the ATM or even look at the data for cards that have been used there. 

Because of this fraud, I've requested a regular ATM card and not a debit card, and was told they do not allow ATM cards for checking accounts, only savings accounts. That makes no sense, and by forcing people to get debit cards when they only really want an ATM card only increases their risk and the potential fraud. 

TD Bank is a shell of the bank it used to be.