davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (CA)

TD Bank USA/ Target reports acct # XXXX, as a charge offb/bad debt of an amount they claim I owe of which you claim {$1100.00}. I have sent two certified letters to Target requesting validation of debt. The first certified letter was sent on XXXX/XXXX/16 and received on XXXX/XXXX/16 and the second certified letter was sent on XXXX/XXXX/16 and received on XXXX/XXXX/16. Target noted on my credit reports that I was disputing but Target failed to provide a validation of debt. Target claimed to provide a validation of debt by sending copies of old credit card bills but DID NOT provide a contract bearing my signature. No such validation of debt was ever furnished to me.
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Talbot, Adams, & Moore, Inc. (TX)

I noticed several duplicated collection accounts on my credit from Tablot, Adams and Moore, a collection agency that is not bonded to collect in my state. I sent for validation several times and they never answered me. They are in violation of SEC 809B OF THE FDCPA. THEY NEVER SENT ME MAIL STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT.
Consumer complaint received 2016-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

I am being placed on collections regarding a XXXX fire dept brush clearance fees. I self inspected and submitted an affidavit to XXXX fire which they confirmed. XXXX fire department confirmed i do not owe anything to them.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

I did not consent to disclosure of my nonpublic personal information to any non affiliated third party. The consumer reporting agencies have failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused a restraint of trade and commerce. I have reasonable cause to believe I am being extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer report reputation. I revoke any alleged contract or agreement, whether implied or explicit, that I may have been induced into due to undue influence. 

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XX/XX/XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit report.
Consumer complaint received 2016-04-06
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CHECK INTO CASH INC. (OH)

A debt collection agency threatened to issue a bench warrant and arrest me over a debt from 2014 from a payday lender. The agency made threatening comments, repeatedly called my work phone, and made other harassing comments.
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc. (TX)

I checked my credit report and NCC Business Services was on it. I have never done business with this company. They never sent a notice of right to dispute. I sent them a certified letter advising them that they never sent a dispute letter. My 1st letter is dated XX/XX/2016. They sent the dispute letter dated XX/XX/2016, after I told them they never sent a dispute letter. I then sent another letter dated XX/XX/2016 in response to their XX/XX/2016 letter. Please see the attached documents. 
PLEASE HELP I AM A XXXX THIS IS XXXX!
Consumer complaint received 2016-12-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ESCALLATE, LLC (SC)

I 've been receiving repeated calls from XXXX XXXX XXXX XXXX XXXX for a couple weeks now. The number is from Escallate, a debt collector. I have received no other calls or written notices for debt of any kind, from Escallate or any other creditor, and have no knowledge of owing any debt. Escallate failed to send a written notice within XXXX days of first contacting me, and has contacted me multiple times in XXXX day.
Consumer complaint received 2024-01-25
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.

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 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AZ)

Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

Account # XXXX creditor-XXXX, is not reporting correct information. 
This account is NOT in Forbearance I have requested to have forbearance removed since XXXX XXXX, 2015 and I resumed making payments starting XXXX XXXX, 2015. A payment of XXXX was drafted out of my banking account on XXXX XXXX, 2015 from XXXX so how can this account be in forbearance? According to last credit report which was obtained on XXXX XXXX, 2015 it still shows last date reported on XXXX XXXX, 2015 by XXXX under Comments section ; account in forbearance this is Not accurate credit reporting. I am asking for the fifth time to have this comment removed. This is Not fair credit reporting.
Consumer complaint received 2015-12-29
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (MA)

I filed a spousal visa for my husband and immigration request that I submit proof of financial support to my husband while he is in XXXX. Since 2008 I 've been sending my husband money via Western Union and over 10 times I have called and made a request for this information to be sent to me via email and mailed. I have completed requested forms of consent and sent along with copy of drivers license. To date, I have not received this time sensitive information immigration has requested with DEADLINE despite speaking to multiple representatives and supervisors. On several occasions I have been promised a call back and promised receipt of information by supervisors and the result of that has been filing this grievance and complaint. Moreover, it is not helpful that 90 % of the phone representative are from the XXXX and accent is inexplicable. My level of dissatisfaction and anger is so great that I plan on posting this complaint on every social media that is on the market and the ones to hit the market. I have been a loyal customer since 2008 and have been shown or given zero appreciation, not to mention respect.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (NJ)

Hello, I received a complaint from XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Discover Bank vs. XXXX XXXX XXXX. 

Amount of {$2100.00} and costs of {$110.00} Docket # : XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX at Law XXXX XXXX XXXX. 
XXXX, NJ XXXX An am pretty sure according to the Fair Debt Collection Practices Act : XXXX : XXXX https : //www.consumerfinance.gov/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/ The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. In addition, on XX/XX/2021, the CFPBs new Debt Collection Rule became effective. This rule clarifies how debt collectors can communicate with you, including what information theyre required to provide at the outset of collection about the debt, your rights in debt collection, and how you can exercise those rights. 

Kind regards, XXXX XXXX XXXX.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MO)

There is a hard inquiry on my report that I did not authorize. I called XXXX and spoke with a representative who said that they would note that I called and that I did not authorize this inquiry on my report. I followed up with a letter explaining the same thing. I have not received a response from XXXX and it has been over 30 days. I have uploaded the letter and the certified mail receipt. This inquiry needs to be removed because I did not authorize it.
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (LA)

On    XXXX   XXXX   XXXX  ,  I spoke to  2 differ ent representatives about my accounts regarding late payments. I was informed that on these dates my loans were covered by forbearance. However, I was told that even though the dates were covered by forbearance, the company would not remove the late paymemts noted on my credit reports.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

I called Experian to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires. The following are, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

i received a letter on XXXX XXXX 2016 stating that my property will be sold at auction on XXXX XXXX 2016. i contacted the mortgage company and was advised to submit a modification packet. i submitted the package on XXXX XXXX i called in to verify that it was received and it was. i was also told that the sale was being put on hold. On XXXX XXXX 2016 i was contacted by an agent stating that my home had been sold and she was representing the new owners. I called the bank and was told that the sale should have not happened and the sale would be re-sended. Not to worry that the property was still mine and i was being under review to see if i qualified for the modification loan. on XXXX/XXXX/16 when i called to get status of the process i was notified that they will not be re-sending and the sale would go-thru.I have been served with an eviction notice to appear on court XXXX/XXXX/16.
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On Posting Date, XXXX XXXX, XXXX, {$.00} was removed from my account as a Bal/Adj/Small Balance Adj. - Transaction Date : XXXX - Card Type : XXXX - Transaction Type : Fee - Reference number XXXX. 
On Posting Date XXXX XXXX, XXXX, {$.00} was added to my account as a ATM Cash Advance Or Bank Transaction. Transaction Date : XXXX - Card Type : XXXX - Transaction Type : ATM Cash Advance or Bank Transaction - Offer ID : XXXX - Reference Number XXXX. 
On XXXX XXXX, XXXX @ XXXX I contacted XXXX in SC @ XXXX in regards to the {$.00} ATM Cash Advance transaction on XXXX. She informed me it was done in the dispute department and I was disconnected from the call. Then called XXXX and talked to XXXX in Tennessee. He informed me the {$.00} ATM Cash Advance Transaction was a general ledger adjustment for a fee adjustment rebill. He was not sure what the general ledger adjustment was for or why it appeared on my account. He checked with his supervisor and he was informed to transfer me to the Consumer Service Department. Per XXXX in XXXX, in the FIA Card Services Department he was not sure what the {$.00} Cash Advance Transaction was about and I ended the call. After spending 1 hour and 5 minutes on the phone with these 3 representatives not one of them was able to give me an explanation. 
On XXXX XXXX, XXXX at XXXX I contacted XXXX in Tennessee @ XXXX. 
Questioned him about the Small Balance Adjustment of {$.00} that was removed from my account on XXXX XXXX, XXXX. He could not tell me why the adjustment was removed but informed me he would issue me a {$.00} adjustment and the {$.00} would be returned to my account within 24 hours. As of today, XXXX XXXX, XXXX this {$.00} adjustment has not been returned to my account. 
Please give me an explanation as to why the {$.00} was removed from my account as a Bal/Adj/Small Balance Adj on XXXX, why the {$.00} was added to my account as a ATM Cash Advance Or Bank Transaction and why the {$.00} adjustment was not added to my account by XXXX/XXXX/XXXX by XXXX.as I was informed by XXXX in Tennessee.
Consumer complaint received 2022-02-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwestern Health Management INC (MO)

On XX/XX/2021 a collection for {$310.00} was added and on XX/XX/2021 a collection for {$510.00} was also added, from the company " XXXX XXXX '' reported XXXX collections to my credit report that detrimentally ruined my scores. 
I religiously sent out letters/phone calls to the company to prove that this is not me and to verify the information. They refused to send me any information stating this is me! 
Months go by and I recheck my credit report on the website XXXX. To make things even better, the company has now charged interest on the XX/XX/2021 account for {$310.00} and now it is {$330.00}! Debt collectors and creditors must follow federal and state laws when adding or charging interest on debts. Section 808 ( 1 ) prohibits debt collectors from collecting any amount unless the amount is expressly authorized by the agreement creating the debt or is permitted by law. 
I have now written all credit bureaus and XXXX has deleted all accounts from this company off of my report and the other XXXX bureaus have closed the account for {$310.00} and waiting to hear on the others. 
It gets better ..... When I go and look up the company on my reports : XXXX has the company address as NORTHWEST, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has XXXX company address as NORTHWEST FINANCIAL SVC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX : Deleted the issue and no longer have the address they used. 
When I look the company up online there are multiple addresses address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I have not heard back from the company since XXXX XXXX XXXX. 
Please, Please, Please help me with resolving this issue and remove this from my report.
Consumer complaint received 2015-08-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (PA)

When I filled out the pre-approval application for a Discover " it '' card they responded " Here 's the card we found for you '' leading me to believe that I had indeed been pre-approved but when I filled out the application I was denied. Discover has acknowledged to me that their pre-approval language is misleading, and that they intend to change that, but that does n't do anything for me - I 'm still a victim of their deceptive practices. I would still like to obtain a Discover card - and can assure them that I am going to be a good long term customer, but I 'm very discouraged by this practice.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (TN)

i am writing in concern of the federal law Experian has violated according to the FCRA 1681d.. ( B ) concerning inaccurate information XXXX XXXX ( nmls ) is being reported inaccurate by Experian when this account is current and up to date, this account is currently in forbearance plan and modified. I have sent in the proper paper work to Experian and they have still not corrected the information. Experian said that they verified the information with the vender but they have not sent who, when and by who it was verified because if they would have done there proper research they would have known that this XXXX XXXX  ( nmls ) is current. Experian has also violated federal law 1681d ( B ) Disclosure on request of nature and scope of investigation : that states make a complete and accurate disclosure of the nature of the scope of the investigation requested. This disclosure shall be made in writing mailed, or otherwise delivered to the consumer no later than 5 days after the date on which the request of disclosure was received from the consumer or such report was first requested, whichever is later. Experian has violated the FCRA by continuing to report inaccurate information and must be held accountable.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Last year our mortgage was transferred to Bayview Loan Servicing, XXXX, Florida. We were in a Chapter XXXX Bankruptcy and were denied access to our online account, so I could not see the payments applied. We sent the payments by certified mail, return receipt requested, about the XX/XX/XXXX of the month. The payments were always received by the XX/XX/XXXX of the month, but not posted into the bank until the XX/XX/XXXX of the month. Once we received a notice saying that we were in arrears and that foreclosure would soon begin. At this time, our bankruptcy has been discharged, and I have access again the to online account, but they have not posted any payments since XX/XX/2017, although the XX/XX/XXXX and XX/XX/XXXX checks have cleared the bank. Calls and letters have not produced any effect. We would like for them to post payments in a timely fashion.