davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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: TD BANK US HOLDING COMPANY (NY)

TD bank is reporting fraudulent information on my credit report. 
I DON NOT HAVE A CREDIT CARD and I NEVER DID. 
Someone has been using my personal info for almost 8 years since 2004. 

I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. 
The FCRA has a penalty for filing any lawsuit or subsequent court papers that are later determined to have been filed in bad faith or for purposes of harassment. 
I can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA. 

A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA. 

This letter will again request that you follow the FDCPA and provide the following : I do mean all 7, request. 

Validation of Debt Request - Proof of your right to own/collect this alleged debt. 
- Balance claimed including all fees, interest and penalties. 
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ). 
- License proof to collect debts in my state. 
- A credit agreement signed by me and you. 
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor. 
- Copy of my NYS Photo ID which is required to open this type of account. 

This letter is your notice that I dispute the above referenced debt. 
This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge. 
I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

on XX/XX/2022 at approximately XXXX I contacted XXXX and asked them why my credit report on their site XXXX XXXX own site, did not have my consumer statement. I wanted to also find out for sure if my report could be updated " immediately '' as they said numerous times in many ways can not happen ever. Yet the comments went in right away from XXXX a few minutes before I was speaking with a representative about why they were not showing up in XXXXXXXX XXXX credit report for me. They did show up on the accurate and probably true credit report that these agencies keep on us secretly or whatever as the agent read it to me, but it wasn't on my site, I have a screenshot at similar time. XXXX is important and consumers should have all of it. 
This is over a {$18.00} 30 day overdue reported by XXXX to the agencies and subsequent charging me {$2.00} without informing me at all of this {$18.00}, the overages as they were being charged in any way or the reporting. I found out from the free XXXX report and now I am on the path to trying to right this wrong XXXX and the agencies have collectively assigned me due to their broken and unfair system to put people who seemingly have good credit, to having bad credit so we can pay more interest and pay more fees, that is stealing! They should not be allowed to do this and should remove XXXX from my credit report and any and all derogatory remarks forever. They are costing me not only personal damage but my brand new american business a lot of damage too!
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OK)

The real estate taxes were not paid for XXXX or XXXX. {$1000.00} was taken out of our escrow account in XX/XX/XXXX, but the XXXX XXXX Treasurer never received the payment. {$1000.00} was taken out of our escrow account in XX/XX/XXXX, but the XXXX XXXX Treasurer never received the payment. 

I have called, emailed, filed tickets for 'payment research ' inquiries, and we have not heard anything back from Loan Care. I always have to initiate the contact. 

XX/XX/XXXX Representative XXXX let me know that there had not been an investigation started because they did not show that the taxes were delinquent. I added documents to the online account to show the tax bills as well as the statements we received from Loan Care showing that they had taken money from our escrow account. 

XX/XX/XXXX I emailed the payment research department with a request to open an investigation. I was told that there were notes in our account from XX/XX/XXXX that showed we had no delinquent taxes, but when I checked the website myself, it DOES show that no taxes have been paid for XXXX or XXXX. 

XX/XX/XXXX I was told the specific check numbers for the payments, however no one ever followed up with whom the money went to. They were supposed to see who endorsed these checks or if they had even been cashed.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/21 Target Redcard debited my account for 2 payments instead of one. When I called them I was told it was a system error that had impacted " alot of people '' and not to worry they would refund the payment. On XX/XX/21 Targets system updated to reflect they returned the payment but nothing showed up at my bank. I called again on XXXX and was told it was in pending, I called my bank on XXXX and XXXX and there is still no return in pending and the money has not been returned. When I called Target on XXXX I was told they could see the refund in pending and it would post by the morning, it did not. After spending an hour on the phone with a manager today all they can do is " file an internal complaint '' and they will get back to me. I have another " internal complaint '' from XX/XX/21 that noone has responded to.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NC)

I have contacted Target and paid me debt that was owed. When i paid i asked for a pay for delete. They agreed and did not removed this charged. This charge is hurting my credit. This account has been paid in full; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

Purchased XXXX watch on line XX/XX/XXXX. Delivered XX/XX/XXXX according to XXXX required signature. Delivery date I was not home. Contacted Nordstrom because it seemed long from ordering and not delivered. CS told me watch was delivered and " signed '' for ( COVID new policy no signature ask name of person and driver types it in ) - Ended up opening numerous disputes- contacted sheriff made police report- and contact made with detective. Detective concluded problem was with delivery person XXXX Description of person did not fit me- Detective XXXX XXXX XXXX XXXX NC Sheriff Office concluded error with delivery driver.

Nordstrom reported me to three major credit agencies and shows I did not pay for past months even with OPEN disputes- I was told until disputes are concluded I would not be sent to credit bureaus. Not true. I contacted three agencies explained situation and opened investigations. 
Nordstrom continues to refuse to credit account or send another item. 
I have pleas out on Next-door App- asking if someone received watch in error. No responses. I again posted watch missing- and my credit is now effected. I made a plea if someone reading the post has the watch of knows who has it to please return without questions. 
I checked my mail yesterday and a box and mail was inside my mailbox. Box had no label. I opened it and found the watch. LOOKS brand new- inserts were in the box validating the brand etc. I tried to contact XXXX from Nordstrom dispute in credit department who left me a message XX/XX/XXXX asking me to call her back at XXXX. I called back then, called again two more times and called the 800 number associated with her department requesting her to return my call. ( XXXX ). I was told XXXX was in a meeting but would call me back when done- it has been WEEKS no call. I looked up my FICO reports and found blemished reports from Nordstrom- although I accepted each call from their collection department and each time they looked up my account and said no reports would be made until AFTER disputes completed. 
The detective stated I need to escalate the disputes because the problem is with the delivery person giving the watch to someone else or could have never given the item to anyone- we simply do not know. 
With another plea placed on the next-door app 2 days ago I begged the members if someone was the person who received the watch or knew who had it- please return to me with no questions asked. 
As I said a box was found in my mailbox- no label- inside the XXXX watch was found. I set up a return via Nordstrom.com and my husband took it to the USPS in XXXX. I SHOULD NOT OWE any money- no late fees nothing. They are getting the watch back after it has been missing over 7 months, I want my credit scores cleared. I am forwarding this report to each credit bureau since they have open investigations.
Consumer complaint received 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (NY)

This is a follow-up to my first complaint which almost certainly will be fruitless as XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX their responsibility to XXXX, a company that has been extremely uncooperative with me and has been illegally trying to collect money from my under absurd and obviously incorrect information. 

I am formally requesting FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a debt validation letter which should, at a minimum, include details about the original creditor, debt amount, and important dates about the debt. This exactly what the CFPB says I am entitled to, yet in XXXX, XXXX XXXX XXXX 's prior CFPB response they simply state they will pass my request on to XXXX which almost certainly will not go anywhere ( XXXX & XXXX also hung up on me before I could request it over the phone ). I AM REQUESTING DIRECTLY FROM XXXX, XXXX XXXX XXXX A COPY OF MY DEBT VALIDATION LETTER. Not from XXXX, as they have never given ANY details in the past other than amount and some dates ( not an exaggeration ). 

A police report was filed on this over a year ago, so this shows how XXXX is trying to collect money from a documented victim of fraud and negligence! Document details can be happily furnished to the CFPB on request.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (SC)

Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. 
All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Student Loans being reported on my credit MUST be removed. 
Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party.

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (AR)

LVNV PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORTS AS THE ORIGINAL CREDITOR BUT I NEVER HEARD OF THEM OR EVER HAD AN ACCOUNT OR OBLIGATION TO PAY THEM. I REQUESTED PROOF AND THEY DID NOT PROVIDE THE PROPER DOCUMENTS. RESURGENT, THEIR ASSOCIATE COMPANY SENT OUT SOME FABRICATED PAPERS WITH SOME OTHER COMPANY LISTED AS THE CREDITOR, NOT LVNV. I, IN TURN, SENT THEM A CEASE AND DESIST LETTER TO STOP COLLECTION ACTIONS AND STOP CONTACTING ME IMMEDIATELY BUT THEY ARE UNLAWFULLY MISREPRESENTING THEMSELVES ON MY CREDIT REPORTS AS AN ORIGINAL CREDITOR WHEN IN FACT THEY ARE NOT NOR DO I HAVE AN ACCOUNT WITH THEM OR AN OBLIGATION TO PAY THEM.
Consumer complaint received 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NC)

On or about XX/XX/XXXX I received a monitoring alert from XXXX that I have adverse info. Upon reviewing the information, the a company that I never heard of " Radius Global Solutions LLC ''. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX account XXXX original creditor " XXXX ''. I sent a certified email the same day requesting a debt validation. I have NEVER heard from the company via phone, text or a formal letter in the mail. On XX/XX/year>, I received another report alert from XXXX from " Radius Global Solution '' XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, account numberXXXX. I have yet to hear from the company and this has taken a huge adverse affect to my credit score and livelihood. It is notable I now have to send another letter to address the XXXX reporting due to the difference in the contact information. This company is in violation of FDCPA 15 U.S.C 1692g and therefore the reporting should nulled and removed. My assertiveness acts upon my personal information being compromised in the past. I ask to be fairly communicated regarding this matter as I don't have any knowledge of this allege debt.
Consumer complaint received 2022-03-26
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-27
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: DISCOVER BANK (TX)

in accordance with the fair credit reporting act. below accounts have violated my rights. 
1 ) discover bank last four account number # XXXX 2 ) XXXX XXXX XXXX  last four account number # XXXX 3 ) XXXX XXXX  last four of account number # XXXX XXXX XXXX XXXXXXXX last four of account number # XXXX 15 u.s.c 1681 section 602 a. states i have the right of 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 166b a crditor may not treat a payment on a credit card account under an open and consumer credit plans as late for any reason.
Consumer complaint received 2020-02-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AES/PHEAA (TX)

PHEAA did not notify me of payments I could have made or arrange while I was working between XX/XX/XXXX and XX/XX/XXXX. Instead, they decided to garnish my wages and made my 1 ) credit look bad, 2 ) and my loan with them look like it was in default still. Then while I was laid off XX/XX/XXXX, and had little money, PHEAA, or the US Dept. of Education took my entire tax return as a tax offset while I was unemployed. Then I received no mail from PHEAA regarding this in default loan from XXXX, which is closed on my credit, but now it shows started on XX/XX/XXXX? I just spoke with someone at PHEAA and they will not approve a tax offset for my XXXX taxes while I am unemployed! Nor have they sent me any mail regarding this problem! This is not legal is it? 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Card company : Chase, Chase, Card : XXXX  Current credit card no. : ending in XXXX Previous card ended in XXXX Fraudulent transaction made on XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX FL {$1200.00} As soon as the fraudulent purchase was made, I was sent a text message by Chase that they have suspected/ detected such an activity and if I had authorized it. I, immediately responded by writing " No ''. The company immediately sent back the message that they have canceled the card and will send a new card ( I have attached the copy of text message ). So I presumed that the matter had ended. After this transaction, another transaction was fraudulently made to buy gas at XXXX for {$71.00} ( using presumed canceled card ). I did not notice this transaction on my subsequent statement and so it went unnoticed. Now the credit card company wants to collect {$1200.00} that I had declined and they had confirmed the denial.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

After two courts in Arkansas closed the lawsuit brought against me by XXXX  XXXX, the last one being an adjudication in my favor because of Arkansas court procedures rule 41, I requested the three major credit bureaus to correct my file. This has still not been done and the fallacious claim against me is still in my files.

Please note that there is an item for collection from XXXX XXXX-XXXX/XXXX  for {$1600.00}. I inquired XXXX about the origin and specifics of the amount and they could not provide any reasonable information of how they arrived at the amount, nor would they give me any logical accounting, history, or progression of alleged amount owed.

XXXX since has filed two law suits against me. The first one was dismissed and closed in XXXX per order of the XXXX XXXX District Court ( XXXX XXXX, Arkansas ) and the final one was dismissed and closed in XXXX  by the XXXX County Circuit Court ( XXXX  County, Arkansas ). The second dismissal was from a voluntarily dismissal from XXXX attorneys a few days after I responded to their suit. Under Arkansas law ( Rule 41 ), any voluntary dismissal operates as an adjudication [ regardless of the wording on the dismissal ] on the merits [ of the defendant ] when filed by a plaintiff [ XXXX ] who has once dismissed in any court of the United States or of any state an action based upon or including the same claim '' [ and it can not be refiled ]. Therefore, by law, there is no longer any basis for any claim that XXXX  may have against me. The case has been adjudicated and closed by the XXXX   County ( Arkansas ) Circuit Court, ruling in my favor. According to the State of Arkansas, there is no longer any basis of claim. This ruling has been upheld in another case by the United States Court of Appeals, XXXX District in XXXX ( XXXX XXXX XXXX XXXX., XXXX. vs. XXXX  XXXX, XXXX  ). XXXX claim should be stricken from all credit bureau records, as it has been from the Courts records. The complete documents can be viewed at : XXXX I am requesting the removal of both XXXX-XXXX, XXXX.XXXX./XXXX  XXXX   and the XXXX, XXXX.XXXX./XXXX XXXX   alone ( since it is the same claim ), as this fallacious claim is damaging to my credit and reputation and the three credit bureaus are partially responsible for the damages.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (CA)

I am supplying documentation/proof that " LENDINGCLUB '' was paid in full.

Please find a copy of the check made to LendingClub. LendingClub cashed the check on XX/XX/2021. 
The amount of the check ( {$2100.00} ) satisfies the amount due at the time which was {$2100.00} ( Credit reporting rounds up to the nearest dollar ). 
I also attached a copy of how this LendingClub account is reporting to my credit. 

Please rectify the reporting balance to zero OR delete the account entirely. This is a complete error and in violation of FCRA Rights.