davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent TransUnion 2 certified letters requesting them to look into a couple items I wanted to dispute on my credit report. They received my letter and I have never received an update or any information on what is going on with it. The other 2 reporting agencies closed the disputes out because I was able to prove it wasnt mine! And now the company Im disputing through TransUnion just hit up my credit report again!! I sent the certified mail documents to TransUnion XX/XX/XXXX and they are still allowing the company I am disputing to make a hit on my credit report?! Thank XXXX XXXX and XXXX was on it. I mailed my disputes to all 3 companies the same day and the other 2 companies took care of it immediately. Why should I have to wait forever for TransUnion to get their XXXX together and fix it?!?! No one ever answers the phone either! I have a call log of all the times Ive tried! And I have proof of the certified mail receipt!
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Account # XXXX was charged off due to fees charged by 5th third bank in the amount of {$73.00} and then reported to XXXX as delinquent. For example they charged over {$40.00} in fees to check the balance however those fees were not disclosed AND they charged an out of network fee meaning it costs around {$10.00} to access money from an out of network ATM. The excessive fees collected on this account in 3 months ( {$160.00} ) exceed the charge off amount of {$73.00}. In addition fees collected for 2018 were over {$300.00} due to service fees and other hidden fees this bank tacks on.
Consumer complaint received 2020-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

On XX/XX/XXXX, I sent a letter Account Resolution Services ( ARS ) credit collection agency disputing the debt that is being reported to all 3 major credit bureaus in the amount {$940.00}. I requested that ARS provide me with validation of the debt in the form of a copy of an original bill and a detailed statement of procedures. I asked that this information be sent to me via U.S. Mail within 30 days. On XX/XX/XXXX, Account Resolution Services sent me a letter stating that the debt is valid, but failed to provide the proof verifying the debt as I requested within my legal rights. They also failed to provide me with the ORIGINAL CREDITOR 'S contact information including full name, address and contact number. On XX/XX/XXXX ARS sent me the exact same letter again without any additional information stating that the debt has been verified by " their client '' and has continued to report this on my credit. By not providing me with the proper verification within the required amount of time ARS has blatantly disregarded the FCRA and FDCPA law. Now as of XX/XX/XXXX this inaccuracy is STILL being reported and I have yet to be given the opportunity to investigate this debt. I am requesting that you require this agency produce proof or immediately stop reporting this debt as it is affecting my ability to obtain credit with other lenders.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

around the month of XXXX Equifax placed a freeze on my account. when a company by the name of XXXX XXXX ran my credit on XX/XX/XXXX, they charged me a XXXX deposit because of the freeze.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (TX)

on my credit report under all 3 credit bureaus, its shows multiple entries for the same debt ... 
this debt is not even mine. 
called the collections companies and they state they show nothing for me but yet leaves it up to me to clear out of my credit reports. 

CommonWealth Finance Collections XXXX called XXXX @ XXXX ** they have the following debt listed 2 times on my credit report- XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX called XXXX @ approx XXXX ** they have debt listed 1 time- XXXX XXXX XXXX   XXXX {$2200.00} I also called this " XXXX XXXX XXXX   XXXX '' @ XXXX on XXXX @ XXXX and after review they DO NOT have anything listed for me as a debt, not sure why 3 entries to 2 different credit agencies would have this information.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/DOE XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX {$200.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-12
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: Penn Credit Corporation (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc.,  that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2020-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

To my under standing XX/XX/XXXX through XX/XX/2020, the interest rate is set to 0 % and payments are suspended for student loans owned by the federal government and the federal student loan servicer should suspend all interest After viewing my fedloan account XX/XX/2020 I noticed that fedloan charged me interest for the month of XX/XX/2020 as well as XX/XX/2020 stated above 0 % interest was to be implemented starting XX/XX/2020 my payment of {$660.00} was paid on my due date of XX/XX/2020 payment was not applied to my account until XX/XX/2020 and with interest My payment made on XX/XX/2020 XX/XX/2020 Payment {$660.00} principal {$180000.00} This payment was applied to the following loans : DIRECT SUB CONSOLIDATION   LOAN interest charged {$160.00} DIRECT UNSUB CONSOLIDATION LN interest charged {$250.00} DIRECT UNSUB    CONSOLIDATION LN interer charged {$240.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2020 Payment {$660.00} principal {$180000.00} Payment - XX/XX/2020 This payment was applied to the following loans : DIRECT SUB CONSOLIDATION   LOAN interest charged {$170.00} DIRECT  UNSUB CONSOLIDATION LN interest charged {$260.00} DIRECT  UNSUB CONSOLIDATION LN Interest charged {$220.00} There's no difference in the principal an if interest is not being charged I should see my principal going down as you can see the principal for XXXX remain the same big discrepancy.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$4300.00} XXXX XXXX {$250.00} XXXX/XXXX  XXXX {$48.00} XXXX XXXX XXXX XXXX {$45.00} XXXX XXXX  XXXX {$960.00} XXXX  XXXX {$3800.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2300.00}
Consumer complaint received 2020-05-12
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. (CO)

SOMEONE HAS OPEN SEVERAL ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND ID NUMBER I DID NOT OPEN THESE ACCOUNTS THE ACCOUNTS ARE FRAUD AND I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-12
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$4300.00} XXXX XXXX {$250.00} XXXX/XXXX  XXXX {$48.00} XXXX XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX {$960.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2300.00}
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report there are many derogatory items that do not belong to me. Please remove these items from my account.
Consumer complaint received 2020-05-12
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. (AR)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report there are many derogatory items that do not belong to me. Please remove these items from my account.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (SC)

I have returned the equipment to XXXX and the balance is at XXXX. I have called the collection agency who confirms there is no monies owed, however they are still reporting on all three credit bureaus that I owe XXXX. I have requested they remove it from my credit report, but they have failed to do so.
Consumer complaint received 2020-05-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To Whom It May Concern : I disputed a tradeline from XXXX  XXXX XXXX with Transunion on XX/XX/2020 that came back verified XX/XX/2020 from Transunion. On XX/XX/2020 they received another letter asking for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ).  Transunion failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Since Transunion is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Transunion failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Transunion. 
All supporting documents have been attached
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This complaint is a follow-up complaint to CFPB complaint # XXXX and now complaint # XXXX due to the inaction and lack of communication by HSBC. What I said was going to happen has happened ; in my first CFPB complaint to HSBC on XX/XX/2020 I said " I strongly believe that HSBC is trying to wait me out and want me to give up, or at least wait until my checking account reaches to {$0.00}. '' My account has finally reached to {$0.00}, in fact, even a negative balance. Based on a response by XXXX in response to my second CFPB complaint, a check in the amount of {$1400.00} was sent/generated on XX/XX/XXXX. XXXX said that it would take 7-10 business days for it to arrive. When 7-10 business days passed, I tried to maintain communication with XXXX, which had large gaps in her responses and no responses through email recently. During my wait with XXXX XXXX had to call customer service multiple times, with every time having no results. It is now XX/XX/2020, almost 2 months after the check was supposedly " sent/generated. '' The lack of communication or reassurance that my funds would be given back to me as continued to lengthen this ordeal for me and has appalled me beyond belief. I have done everything on my part during the fraud investigation, which took an unnecessary number of months with the fraud department trying to shift blame to me when I was the one that had to bear the brunt of communication by calling them every time, since no one was calling me back. I have had well over 40 lengthy calls with HSBC trying to keep me informed about my money and my account and now it looks like the struggle that I had with the fraud department is now happening with the customer relations department. I have checked my mail every day. I have been put on hold for hours on end. I have maintained hope in HSBC that they would keep to their word give me a great banking experience, but so far it has just been a living nightmare.
Consumer complaint received 2020-05-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc.,  that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MI)

On XX/XX/2020, my Apple Credit Card  which is issued by Goldman Sachs was restricted by Goldman Sachs. My credit limit was  dropped to {$0.00} available and the credit card was frozen. I contacted customer service on 3 separate occasions and twice I spoke to a supervisor. These contacts took place on XX/XX/2020 at XXXX XXXX, XX/XX/2020 at XXXX XXXX, and XX/XX/2020 at XXXX XXXX. Each time, I was informed that they are unable to provide me with any reasoning why my credit card account has been frozen by them, they are unable to provide me with a timeframe for how long my account with be frozen and whether or not it will be unfrozen. I have the right as a consumer to know the reason why my credit card account has been frozen.
Consumer complaint received 2020-05-12
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: DISCOVER BANK (NC)

I have been the victim of Identity theft due to several security breeches since XXXX there are now multiple companies including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Fin. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies are report information not belonging to me I have reported this to my local authorities as well as the FTC. I have filed multiple disputes with all three credit reporting agencies. This is causing a social and financial strain on my life
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (FL)

I called all 3, XXXX Experian & XXXX and gave conformation details on XX/XX/19. Nothing was ever changed. 
I filed disputes on XX/XX/19 Dispute report # XXXX. Alert on Dispute came XX/XX/19.  Nothing was changed