davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

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 DESIGNED RECEIVABLE SO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (AZ)

Ally sent me numerous emails, like the one attached, stating I would receive a 1 % bonus if I : 1 ) opened an account by XX/XX/XXXX with promo code XXXX 2 ) transfer money by XXXX 3 ) keep money that money until XX/XX/XXXX and 4 ) keep account in good standing and bonus will be paid by XX/XX/XXXX. 

1 ) I opened an account on XX/XX/XXXX with promo code applied ( and sent them a print screen of the promo code applied ) 2 ) completed {$50000.00} of transfers by XX/XX/XXXX 3 ) maintained transferred funds until XX/XX/XXXX 4 ) my account is still open and in good standing but they will not pay me the bonus. I contacted them on XX/XX/XXXX to inquire about the bonus and they said I would have received another email if I was eligible ( which was not mentioned in the promotional emails they sent me to entice me to transfer funds from my higher paying accounts to their lower paying accounts ). I asked for more specifics on why they would not honor the terms of their promotional email I met all the requirements for as I considered that false advertising and mentioned I would file a complaint with the CFPB. They replied on XX/XX/XXXX they would escalate my issue and respond with 24-48 hours but I still have not received a response as of XX/XX/XXXX or any valid reason on why they won't honor their promotion I completed the requirements for.
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

over the last year i have received between 1-4 phone calls a day from a debt collection company called navient. the specific number they call from is : XXXX XXXX no one in this household has ever done any business with navient. we are neither in student or any other kind of debt. they have no legal reason to be calling us. 

when i unblocked their number & answered the phone, there was only a computer voice on the other end. i have tried writing to them, but got no response. ( navient does not offer an email on chat line to communicate with them. ) at this point i have no other choice but to ask my government to get them to stop the harassing phone calls. 

i dont know if navient is phising or my number has been somehow stuck in their computer system for the last year. but in either case, they should not be allowed to continue using harassing tactics in trying to collect debt.
Consumer complaint received 2019-11-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (FL)

This in regards to Loans XXXX and XXXX I previously requested from NELNET ( in XX/XX/2019 ) and submitted all required financial hardship docs and economic deferment application to NELNET in XX/XX/2019, to which I NEVER RECEIVED a WRITTEN response. I have already made it PERFECTLY clear that I can not economically at this time afford a {$320.00} and {$87.00}, payment due to my current economic status. NELNET has consistently in 2019 refused to work with me and allow me to have a 6 MONTH economic deferment, after which I will be able to resume making payments. If NELNET REFUSES to again work with me by providing me a 6 MONTH DEFERMENT, the two above referenced LOANS WILL GO INTO DEFAULT AND WE CAN DEAL WITH THE PAYMENT ISSUES IN BANKRUPTCY COURT WHERE I WILL AGAIN ADVISE BOTH NELNET, THE TRUSTEE AND THE COURT THAT I CAN NOT ECONOMICALLY AFFORD PAYMENTS AT THIS TIME. This is despite me providing an ECONOMIC DEFERMENT LETTER FROM MY OTHER FEDERAL STUDENT LOAN SERVICER, XXXX, ALREADY PROVIDED ME WITH A 6 MONTH DEFERMENT, the LETTER WHICH WAS SUBMITTED TO NELNET, along with my ECONOMIC DEFERMENT APPLICATION AND FINANCIAL DOCS TO NELNET IN XXXX, AND TO WHICH NELNET HAS NEVER RESPONDED, NOR PROVIDED ME A DENIAL LETTER, BUT SIMPLY HAS CONTINUED TO BILL ME AND ADD LATE FEES TO MY ACCOUNTS. I am ASKING AGAIN for a 6 month Deferment on ALL PAYMENTS on the 2 above-referenced loans, after which, I will again resume making payments on these loans.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXXBalance : {$810.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXBalance : {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}
Consumer complaint received 2022-04-29
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. (IL)

I RECENTLY KNOTICED A MEDICAL COLLECTION ON MY CREDIT REPORT. 

XXXX XXXX XXXX, I HAVE REACHED OUT TO THE CREDIT REPORTING AGENCY DUE TO VIOLATION OF LAW. ON XX/XX/XXXX, I CERTIFIED BOTH COMPANYS REGARDING THE MEDICAL COLLECTION OF {$1000.00}, THAT HAS NOW A DUPLACATE REPORTING. MY RESPONSE WAS THE FINDINGS IS ACCURATE FROM THE CREDIT REPORTING AGENCY. 
. 
I do not recall giving permission to for any facility to release my medical information to a third party. 

I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is two-fold and as follows : I ALSO REQUESTED THEM TO provide a copy of my signature with the provider of service to release my medical information to THEM. TIME HAS PASS AND NOTHING STILL THIS ACCOUNT NEEDS TO BE REMOVED ASAP.
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (IL)

The company listed on my credit report is TD Bank/Target Credit. This was discharged in Chapter XXXX Bankruptcy but was never removed from my credit report. Their address is XXXX XXXX XXXX, XXXX, MN XXXX. Please advise. Thank you. XXXX XXXX
Consumer complaint received 2021-05-04
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: CCS Financial Services, Inc. (FL)

Credit Collection Services/CCS is reporting a delinquent collection account to XXXX and XXXX  that does not belong to me and is reporting incorrectly as if it does. I've attempted to resolve this by disputing this entry with the major credit bureaus, as well as contacting the company asking for validation of this alleged debt. I have yet to receive sufficient validation of this debt. According to the FCRA, Credit Collection Services/CCS has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation (AZ)

I have been trying since XXXX to get the MIP monthly {$100.00} taken off. The mortgage company keeps changing the original loan to value ratio in order to have the MIP taken off. Nobody is responding and I've been working hard over the past year to make extra payments during this trying time to SAVE MONEY!! They are not responding. It's Country Place Mortgage and they're service since we got this loan, 10 years, is TERRIBLE!
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Banks Has not sent me a Reason why I couldn't open an Bank Account with them. They sent me a Letter stating that they ran my Credit which is weird because I know that there is no law Stating that you have to have a Social Security number in order to open a bank Account I have checked my XXXX  report and there is nothing on it to keep me from opening up a Bank Account.
Consumer complaint received 2022-01-11
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: Servatus Corporation (TX)

XXXX, I had a XXXX breakdown due to a XXXX  of my partner. I had a account with XXXX XXXX XXXX which the balance was XXXX and went into a bad XXXX which I stop paying all my bills.I was getting harassing calls from them and the calls stopped. In XX/XX/XXXX, credit solutions corp which now has a balance of XXXX started harassing me with threats and obscene language a nd kept calling me from different numbers. I recently received my credit report and noticed I had a pending collection on my credit report.To my understanding, XXXX XXXX XXXX had a profit and loss on this account and some how got resold to Credit Solutions Corp . This activity is illegal and want this account removed from all XXXX credit bureaus immediately.
Consumer complaint received 2018-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (OH)

XXXX has once again fraudulently failed to allocate my payment funds per my specific written instructions. 
On XX/XX/XXXX I submitted a payment of {$340.00}. 
I sent a message via the XXXX message system as well as the President 's office email : " I have made a payment today of {$340.00} today. Please apply this payment and pay off promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' My first message and email were not responded to. 
On XX/XX/XXXX I sent a second message : " This is my second request ... I have made a payment today of {$340.00} today. Please apply this payment and pay off promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' I received an email acknowledgement from XXXX that they would process my request. 
On XX/XX/XXXX I reviewed my account and XXXX did NOT apply the {$340.00} against " promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' On XX/XX/XXXX I sent the message : " Apparently I must make another complaint too the CFPB as you did NOT apply my {$340.00} payment to the XXXX XXXX loan of {$340.00}. The US Federal government will be interested as they regulate banks. ''XX/XX/XXXX XXXX messages : " Hello XXXX, Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you. Your payment has been applied toward your account balance as you requested and as allowed by federal regulations. Please refer to the Promotional Summary section of your next billing statement to see the adjustment. We appreciate you as a valued customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us at XXXX. We appreciate you as a valued XXXX XXXX account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX XXXXCustomer Service Account is owned by XXXX XXXX ''
Consumer complaint received 2018-02-05
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: EQUIFAX, INC. (NC)

I submitted credit dispute letter and police report to Equifax on 4 different times requesting to hard inquiries removed as I didnt authorize the inquiry and have been a victim of fraud the bureau refused to removal the inquiry stating inquiries are a matter of factual record ... how can these inquiries remain on my file when I have proved Im a victim please sssist The inquiries in question are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX I have never authorized any inquiries on any dates
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (NY)

According to the Federal Debt Collection Practices, the information that this company is false, I have never dealt business with this company never heard of this company that is reporting that a account they are reporting on my credit report saying Open Balance in XX/XX/2022, how is it even possible to be reporting something open a collection, Second I need a Validation Of Debt, Also I need something with my signature also, and last and important this company thats trying to collect anything Ive never heard of this company I have never dealt any business with this company so how did this company get any information on me and that is a violation of the Consumer Protection Act
Consumer complaint received 2022-04-29
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. (TX)

These company just didnt an investigation and stated account was updated and nothing happened, these is just an unacceptable violating my rights over and over and yet i provide all the evidence to it, how can a charge off start been a charge off XXXX XXXX and XXXX XXXX it stops, these account is reporting XXXX negative months affecting credit report and hurting me in many ways, how these account still be reported if acccount last active, date of last payments are all incorrect in all these bureaus i need these account deleted. 

Account info Account name XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-04-29
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. (CA)

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


XXXX  Account # : XXXX has violated my rights. 

XXXX  Account # XXXX Has violated my rights XXXX XXXX Account # XXXXhas violated my rights. 

XXXX XXXX IN Account # XXXXhas violated my rights. 

XXXX XXXX Account XXXXhas violated my rights. 

XXXX Account # XXXXhas violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX 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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Because of a data breach at Equifax, I was sent a letter last fall letting me know that my personal information was compromised and that I was being offered XXXX  XXXX to monitor my credit information. I went online to do the registration prior to the XX/XX/XXXX deadline. Now I am being told that I never registered in time and I am not eligible for services.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A. (CO)

I have called 3 times and unsubscribed from being sent convenience checks and I am still getting them in the mail. They are not wanted and are putting my credit status and identity at risk without my permission. Citibank has failed to stop sending the checks for over 1 year.
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

This letter will again ask that you Validate this debt and follow the FDCPA and provide the following : I do mean ALL, validations of alleged debt. 

( Validation of Debt ) - 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. 
- License proof to collect debts in YOUR state. 
- A credit agreement signed by me and original creditor. 
- 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. 
- Copy of my Social Security # which is required to open this type of account. 
- Proof from whatever shipping service that was used to provide alleged merchandise or items bearing my signature saying delivered to my address. 

As you may be aware, " Admission by Silence '' legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense when I summons you to court or take action against you and your company. 

Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

You are governed by this Act. All communication with me including phone calls to my home or business must stop immediately. All negative remarks and comments must be REMOVED from my credit report IMMEDIATELY. 


The only communication you may have with me is to provide proof of all items requested above and that all accounts and negative remarks and comments has been removed from my credit report.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a chapter XXXX Bankruptcy on XX/XX/2011. When I went to check my credit report recently there was something from XXXX XXXX XXXX   which was included in my bankruptcy and should not be on there anymore. I don't know why its still showing.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (TX)

I opened an account with XXXX XXXX around XX/XX/2017 for wireless internet. They came to install the internet and it was working for a few a few hours after the technician left, however every time I left the apartment and returned I had to reboot the router. Later that evening the internet stopped working entirely. When I called to have another technician come out to fix the problem they were not available for a whole week. When the technician arrived one week later the same results occurred. When I called to cancel they said it would not be a problem and I would not have a balance to pay due to me not having service during the time I was supposed to have service. The XXXX   Cancelation Confirmation Number was XXXX and I spoke to XXXX   Employee ID XXXX said my account balance was XXXX dollars. The following month I received a bill of {$170.00} I spoke to XXXX   Employee ID XXXX on XX/XX/XXXX and he told me the final bill takes 30 days to generate but not to worry. The following month I spoke to XXXX Employee ID : XXXX on XX/XX/XXXX and she now told me it would take 60 days to generate the final bill with a XXXX  balance and it would not be a problem. I called again in XX/XX/XXXX to be told now it would take 90 days. Every time I asked to speak to a manager or someone else who could assist me and was denied this. It would also take me 30 plus minutes on hold before I was able to speak to someone. In XX/XX/XXXX I recieved a Collections Notice from XXXX XXXX XXXX XXXX claiming the same {$170.00} from XXXX XXXX. I again tried to reach out to XXXX directly and was told now there is nothing they can do and my account is in collections. I have never had an account in collections, I have never had a late payment, I value my credit and ensure I maintain it in good standing but I refuse to pay this balance because it is for services I never recieved.