davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

Hello, A judgement was awarded to Stillman Law Offices for an old debt from XXXX XXXX. This Judgement was awarded in early XXXX. Since then I hadn't received any information concerning this debt, their desire to collect on it or notification of any action. In XXXX of XXXX, I received a letter from my employer notifying me of a wage garnishment from Stillman Law. There was no information about a file number, account number or any type of reference. 

I emailed the person listed on the garnishment paperwork and got no response. I looked up the original judgment case on file and emailed everyone associated with the case - no response. I called the number ( XXXX ) XXXX on XX/XX/XXXX at XXXX. Since I didn't have an account number / file number, I was transferred around to people who were " not an attorney '' finally landing with someone. I asked that person about this debt and requested information on the firm 's correspondence. She said that they hadn't sent me a letter since XX/XX/XXXX but that they weren't going to give me any other information " because they weren't legally required to '' - which was the response from her supervisor. Let me be clear, this woman was trying to be helpful, but it seems that company policy was restricting her from doing so. 

Finally, I asked for a " Debt Validation Letter '' in the hopes that this would provide me with some sort of documentation - and because I knew I was entitled to one under the FDCPA. She agreed to have it sent out but would not share any more information. As of the date of this complaint, I have yet to get a copy of that letter. 

I was under the impression that this debt was charged off and since I never heard anything after the judgement court date, I didn't have reason to think differently. So far this firm has engaged in dodgy practices that make me believe that they are hiding something. Unfortunately, I don't have the resources to hire a lawyer and feel I shouldn't be victimized solely on that basis. 

Note : There will be no attachments to this complaint because I have no documentation or communication from Stillman Law Offices to submit.
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (OK)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my report I noticed fraudulent accounts reported on my credit history as well as false inquiries that I have no knowledge of. I am upset to know that my information has been accessed for things I did not consent to have and is now affecting my credit score. Please remove all negative reports and inquiries from my credit history as soon as possible!
Consumer complaint received 2018-05-08
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. (DE)

I have submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXXand XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and  XX/XX/XXXX. I did not authorize my credit to be ran on either of these  days by any of the companies being shown.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (IA)

I was calling interested XXXX  phone payment system and making monthly payments. The system was misentering payment information each month and was not pulling payments. According to XXXX, because this was done via phone, a {$70.00} late payment was reported to the credit bureau in XX/XX/XXXX. I received no notice that a payment was late or incomplete. 

XXXX  Customer service told me in XX/XX/XXXXthat when the payment was made it would be removed from my credit report. It has not.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY (MO)

Follow up on previous complaint XXXX. TD Bank/TD XXXX XXXX XXXX XXXX XXXX response to my complaint. They claim they sent a one-time verification code, a blatant lie. I never received any such thing. They must provide indisputable proof if they sent a code, otherwise they need to close the account. 

-- -original complaint XXXX -- - On XXXX XXXXXX/XX/year>, I went into the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase an engagement ring for my girlfriend. Initially, I wanted to finance and purchase the ring on credit. XXXX XXXX doesnt offer in-house financing, instead, they partner with TD Retail Card Services to handle the financing. The XXXX XXXX store representative provided me with a link to TDs credit line application. After completing the application and supplying all of the necessary information, I was immediately approved for a {$14000.00} credit line. I was escorted to the XXXX XXXX business office to complete my transaction. The business office employee, XXXX, stated that she had to call TD Retail Card Services to make sure everything was set on their end. At some point during the phone call, XXXX handed me the phone and said that the TD representative wanted to speak with me. The agent verified that my application wasnt declined, but further processing was suspended due to missing or incomplete information and they were unable to verify my identity. When I asked the representative for specifics about the missing information, she declined to tell me. She also refused to send a two-factor verification link to my phone or email. I ended up making a temporary layaway arrangement with the jewelry store until I could get all of the financial details sorted out. I later spoke to XXXX other TD agents and was given the same answer, Were not able to further process your application at this time. We will be sending you a letter in the mail, until you receive that, we cant provide you with further details. 

On XXXX XX/XX/year>, I received TDs letter in the mail. The wording was rather vague and stated that processing was suspended due to a potentially suspicious transaction. I reached out to TD once more in an attempt to get the issue resolved. I asked the representative What information do you need from me that will assist you in validating my information? Much like the other representatives that I had spoken to up until this point, his answers were very evasive and vague. He was also quite rude much like the other TD reps I had dealt with. Frustrated and realizing that I was getting nowhere with TD, I mailed a dispute letter demanding that they close my account and remove any hard inquiries from my credit reports. I have also filed disputes with all XXXX credit bureaus. My purchase through XXXX XXXX has been completed by other means and I now have possession of the engagement ring.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NE)

XXXX XXXX switched from XXXX XXXX to XXXX. I had a payment scheduled for the full amount of my balance, but the payment was cancelled by XXXX during the transition. Apparently, this was done with everyone. They sent out an email to sign up through the XXXX website but the website constantly crashes, no one will answer the phone or emails and I can not make my payment. They say late charges will be waived but it says nothing about interest. I want to pay but can not pay do to not having a payment address, statement and not being able to get into the website.
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC (MD)

I was contacted on XX/XX/XXXX from Frontline Asset Strategies regarding a debt XXXX XXXX said I owed. The debt had been paid on in either late XXXX or early XXXX. They said they would dispute the balance. Since they were calling my workline I asked them not call it again and use only my cell phone. 

They contacted me again today on work number and then attempted to collect the bill. I reiterated that the bill had been paid and why they were calling this number. The rep XXXX XXXX XXXX stated that she had no record of being told not to call my work phone and proceeded to try and collect the debt. I asked to with her manager ( XXXX XXXX who said they would put the note on their not call this number again and put the debt back in dispute. 

They still continue to contact me over a non-owed debt.
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX XXXX XXXX XXXX XXXX has two active collections accounts on my credit report that is old debt. New accounts are created to maintain an open account status on my credit report. They have repeatedly contacted my home, my cell ( of which theyve never been provided that number ), my spouse, my in-laws, my parents, my deceased grandfathers home - they have been asked on numerous occasions to stop calling, and they have not. They call my cell multiple times per day and I have blocked numerous numbers from their company to no avail. They just call from another number.
Consumer complaint received 2022-03-02
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TN)

A representative from National Credit Systems Inc. informed me that I would be sent verification documents ( XXXX  ) in the mail along with settlement offers. When I called in XXXX of 2020, I was told that I had a settlement on file that was mailed to me, per the representative. Which I never received. I tried to see if I could take advantage of the 55 % settlement offer that was on file. The representative stated that the system was down on the final date of the offer letter. To take advantage of the settlement, the representative would honor the settlement but not give me 30 days to pay off the debt but only 24 hours. I once again ask for settlement offers to be mailed to review. As of today 's date, I am checking my USPS informed delivery. I have yet to receive any documents via mail in the year I have been paying this debt.
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I requested written validation of the debit. They responded with a form letter that stated they had an electronic copy of it but they did not produce it and have not produced it to date. I asked for the contract to be followed with a request for arbitration at their expense per contract. They have reported this to credit agency 's with providing either request.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

Hello I have a major issue with discover I have been a long standing customer about 6yrs and I have never miss a single payment. Though I have been a loyal good paying customer my loyalty has never paid off. My credit limit has been and remained at XXXX. 
With that being said there continues to be an unauthorize charge on my account from XXXX XXXX XXXX for XXXX. I immediately reach out to discover to dispute this transaction as I didn't authorize this charge. They dispute the transaction pending investigation. At that point I contact XXXX XXXX and ask them who authorize them to charge my card they claim my card was on file which was not true. Why would i have a card on file that has a XXXX limit and you charging XXXXSo I told them remove my card and never charge it again on a recorded line. However I'm confused as to why Discover would even let the charge go through of XXXX when they only have me at a XXXX credit limit then allow that account to be over drawn. I called discover and explained the situation they say well even though I told them to not charge my card they still can charge it. That makes no sense to me that tells me anybody can go into my account and charge as they please and I'm on hook for the bill. So Discover put the amount back on my card so I end up paying it based on me calling XXXX XXXX to not charge it again. I check my Discover on the XXXX to make a payment and there it is again another charge for XXXX from XXXX XXXX now this is really getting out of control Again why did Discover allow the charge to go through now my account is back over the limit so i dispute again they take it off and place it back on. How is this legal a company can just charge your account as they please even though I have a email stating this is a one time use of the card and they continue to charge it and Discover fails to block the charge and allow it to go through.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas) (VA)

I never received a notice of debt or communicated with this debt collection company. I never paid this debt collection company any money. I satisfied my debt with the original debtor XXXX XXXX prior to this debt being reported on my credit reports. I disputed this debt and the company reported it as paid with a {$0.00} balance but did not remove the collection. I do not owe this company nor have I had any communication with them.
Consumer complaint received 2022-03-02
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: FC HoldCo LLC (GA)

There are quite a few inquiries that i did not recognize on my credit report. I will list them below and would like for them to be looked into and removed please thanks.1-Flagship XX/XX/XXXX. ( 2 ) XXXX XXXX XX/XX/XXXX. ( 3 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 4 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 5 ) -XXXX XX/XX/XXXX. ( 6 ) -XXXX  XX/XX/XXXX. ( 7 ) XXXX XXXX XXXX XX/XX/XXXX. ( 8 ) -XXXX XXXX  XX/XX/XXXX. ( 9 ) XXXX XXXX XX/XX/XXXX. ( 10 ) XXXX XX/XX/XXXX. ( 11 ) Flagship XX/XX/XXXX. ( 12 ) -XXXX XXXX XXXX XX/XX/XXXX. ( 13 ) -XXXX XXXX XX/XX/XXXX. ( 14 ) -XXXX XXXX XX/XX/XXXX. ( 15 ) XXXX XXXX XX/XX/XXXX. Please investigate this unrecognizable and unauthorized inquiries please thanks.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (LA)

I received a letter on XX/XX/XXXX from XXXX mortgage stating there was a lapse in home insurance from XX/XX/XXXX to XX/XX/XXXX and will be charged XXXX to cover that period. I spoke to them on the phone and the person agreed there was not a lapse. I uploaded to their site XXXX XXXX XXXX my insurance coverage information. On XX/XX/XXXX I received a letter stating I have an escrow shortage and they will deduct the amount due over 12 months. They are unreachable by phone. I have sent them a letter in writing to no avail.
Consumer complaint received 2023-04-06
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: Bread Financial Holdings, Inc. (IA)

In my XXXX report, XXXX XXXX alerted me to new accounts opened in my name and affects my credit and I have never applied for them, and they do not respond to me The accounts are : XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/ XXXX, XXXX XXXX XXXX. They are using my information to make fraud with my social security and affecting my credit. COMENITY CAPITAL BANK MY P.
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd. (PA)

I sent Harris & Harris a cease and desist, a debt validation letter, affidavit of truth and an invoice all notarized. In that letter I asked them questions pertaining to the alleged debt. I am demanding the company answer my questions they are on notice I gave them 30 days. I received noticed XX/XX/XXXX be mail they received my letter. Harris & Harris violated my federally protected rights. They contacted me without my consent per section 15 USC 1692c ( a ). Without the prior consent of from consumer given directly to a debt collector, a debt collector may not communicate with a Consumer about a an alleged debt. Harris & Harris sent me a false and deceptive form pursuant to 15 USC 1692j ( a ) stating that, I owe a debt and they are debt collectors ( see attachment ). They used obscene and profane language in that deceptive form. This company is coercing me to pay an alleged debt. They bought my information from the alleged creditor which means debt was paid or wrote off. They are diminishing my character and running my reputation. I am the original creditor the transaction originated from my ssn. Which make the alleged creditor a debtor whom should be paying me pursuant to 15 USC 1692a ( 6 ). Seems to me everybody benefited from the transaction except me. I have 5 calls from this company check their records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per federal law I am owed {$500.00} per call XXXX XXXX sent me a bill in the mail after I visited the company XX/XX/XXXX I asked the associate a couple of couples about charges. I am confused on how I know owe an alleged debt.
Consumer complaint received 2022-03-02
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Hi I have been a loyal customer of Chase bank for years. And I just received a letter from Chase Bank XXXX XX/XX/2022. It's a notice about they will shut down all my accounts, including my deposit account and credit card account. But they didn't tell me the reasons why they did it. I have already tried to call them, but they still didn't tell me why and they are refused to reopen for me. I used their credit the most for my everyday use. It's really inconvenient that they just closed all my accounts and it's also not right. Please help me!!!
Consumer complaint received 2020-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center (CA)

MRCI has reported a alleged debt to the three credit bureaus. I have sent a letter for validation of this alleged debt and have not received a response. MRCI is in violation of the Fair Debt Reporting Laws and Fair Debt Collections Laws.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Chime Financial Inc (NJ)

I was issued a refund for the amount of {$8500.00} on Wednesday XX/XX/XXXX. I used the platform XXXX who then released my tax refund to my Chime bank account on Thursday XX/XX/XXXX. I was contacted by Chime bank on Friday XX/XX/XXXX and asked to submit additional information to verify my identity because I filed a joint tax return with my husband. I did so within 20 minutes of receiving the email. I have yet to be contacted by chime to verify they received my information or have made any effort to review the information. I have made 5 separate calls to the customer service line at XXXX, and made 7 submissions on their online chat without response. The first call made was Friday XX/XX/XXXX where the gentleman on the phone confirmed they received my documentation and stated I should hear back shortly. Because banks are typically closed on weekends, my second call was monday XX/XX/XXXX @ XXXX lasted 10 minutes where I was again advised they absolutely received my documents and they are required to respond within 2 business days of receiving my documents. Third phone call XXXX @ XXXX PM which lasted 15 minutes I again was advised they do have my documents but they process all hours of the day so to be patient as it should process soon. Fourth phone call XX/XX/XXXX XXXX PM lasting 22 minutes I spoke to a supervisor who escalated the claim and said I was supposed to be contacted within 2 hours. She explained it is a different department completely and I am unable to be transferred. I was never contacted. Fifth call XX/XX/XXXX @ XXXX lasted 17 minutes I again spoke to a supervisor who again told me theres nothing they can do. She is unable to contact them, her boss doesnt speak to the public so he cant help me and I should not continue to email them as it will send my status to the bottom of the que. Their solution is basically I have to wait it out. In all this I have yet to be contacted by chime. All the supervisors say they have no way of contacting the email team besides escalations which dont work because they acknowledge they are not responsive even to the supervisors.