davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist has been charging inappropriate fees on my account and when I tried to correct this they told me I would have to drive to a branch. This started last month when I noticed on XX/XX/XXXX last month and XX/XX/XXXX this month, there were charges for {$7.00} and {$13.00} respectively for a withdrawal fee limit. I have gotten more than {$60.00} out of the ATM and have done nothing more than transfer funds between my accounts and pay my mortgages and credit card statements. I called Truist today, XX/XX/XXXX, the representative told me he needed to dispute these charges. I explained this was not fraud and was Truist making these charges. Whole he confirmed they were erroneous, he told me I'd have to go to a branch to reverse them. There are no branches close to me that are open on Saturday. Also, I don't see why as a consumer I should have to take off work and drive to a branch to get {$20.00} in charges reversed when gas in {$4.00} a gallon. I have my mortgage with Truist and a savings account so I am particularly frustrated with not being able to get this handled over the phone. I hope this is just an innocent mistake but I am reaching out because I suspect I am not the only person with these issues.
Consumer complaint received 2021-01-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a request of investigation on my credit report via United States Postal Service on XXXX20 to XXXX, Equifax and XXXX. I have not received a response from neither company.
Consumer complaint received 2019-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting incorrectly to XXXX  and Transunion a collection of {$1600.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The total balance of the loan was no more than {$600.00} in total. I lost my wedding ring and purchased another one. The jewelry store was offering a financing option through XXXX XXXX XXXX. The offer was ( 90 ) days same as cash. The terms of the agreement were that the loan had to be paid off within the ( 90 ) days in order to avoid being charged interest on the loan. Prior to the ( 90 ) day mark I called XXXX XXXX to make the full payment so I would not get charged any interest. XXXX XXXX scheduled a time for their billing department to call me so I could make this payment. I never received the telephone call. They purposely avoided calling me so that I would be delinquent in making the payment. I immediately began calling XXXX XXXX. When I finally was able to reach someone in the billing department, the man I spoke with told me I was going to have to pay additional fees and interest when making this payment. I explained to him that I was well within the ( 90 ) day time frame when I made arrangements to pay this off, but that no one ever called me back. I re-stated their terms of the loan as advertised and that I was making every effort to pay this loan off timely. We were able to agree upon my offer of making ( 2 ) consecutive payments. Upon doing so, they promised that I would not be charged with a late fee or any penalties. Again, I was told that someone in the billing department would call me that same day so I could make the first scheduled payment. I never received a call. This was over ( 4 ) years ago. Last year I was contacted by XXXX XXXX. I spoke to another representative and she told me that the previous arrangements made were unacceptable. She insisted I pay double what the loan amount originally was for. I told her I was willing to pay the agreed upon amount previously negotiated. She told me she would have to research the information and she would get back with me. I never heard from her again. I recently discovered there was a collection on my credit report from XXXX XXXX. I immediately contacted XXXX XXXX only to be informed that XXXX XXXX sold this debt off and it is now being reported as a collection. The balance amount being reported is incorrect and this account should never have gone to collections. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have three accounts with XXXX  ( XXXX XXXX ) that have not been accurately reported since XXXX of 2022. I have disputed this information with the credit bureaus and have yet to receive a response. It is showing I still have balances on these accounts impacting my score negatively. Today I have attempted to send a message and I keep getting an error saying there was a " glitch '' that my message couldn't be sent. One of the accounts has been closed since XX/XX/XXXX and they have not updated my report to reflect this either. XXXX also refuses to answer there phone lines it seems as I have waited hours multiple times to have this resolved.
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Hello, I received a notice that my payment was backed up on a car loan thar i spoke to the bank and reported due to COVID they would push my payments back for three months. 
Today my credit report shows the bank reported 3 months of mis payment when my first payment is on XX/XX/XXXX. 
I asked to correct this and they told me to look for FTC and ask for help as the caught the error on their end and corrected it. 
Please help me or guide me in correcting this.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is been deleted by transunion twice and is back again with no proof or notice from transunion. The account has the wrong balance wrong birthday It was never validated by proof or shown the ownership from the original creditor I have been shown a bill with the wrong info on it Please show the contract and a contract and receipt of purchase of the debt from the original creditor
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS ACCOUNT RESOLUTION, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2019-10-23
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. (FL)

XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX  a collection of {$1600.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The total balance of the loan was no more than {$600.00} in total. I lost my wedding ring and purchased another one. The jewelry store was offering a financing option through XXXX XXXX XXXX. The offer was ( 90 ) days same as cash. The terms of the agreement were that the loan had to be paid off within the ( 90 ) days in order to avoid being charged interest on the loan. Prior to the ( 90 ) day mark I called XXXX XXXX to make the full payment so I would not get charged any interest. XXXX XXXX scheduled a time for their billing department to call me so I could make this payment. I never received the telephone call. They purposely avoided calling me so that I would be delinquent in making the payment. I immediately began calling XXXX XXXX. When I finally was able to reach someone in the billing department, the man I spoke with told me I was going to have to pay additional fees and interest when making this payment. I explained to him that I was well within the ( 90 ) day time frame when I made arrangements to pay this off, but that no one ever called me back. I re-stated their terms of the loan as advertised and that I was making every effort to pay this loan off timely. We were able to agree upon my offer of making ( 2 ) consecutive payments. Upon doing so, they promised that I would not be charged with a late fee or any penalties. Again, I was told that someone in the billing department would call me that same day so I could make the first scheduled payment. I never received a call. This was over ( 4 ) years ago. Last year I was contacted by XXXX XXXX. I spoke to another representative and she told me that the previous arrangements made were unacceptable. She insisted I pay double what the loan amount originally was for. I told her I was willing to pay the agreed upon amount previously negotiated. She told me she would have to research the information and she would get back with me. I never heard from her again. I recently discovered there was a collection on my credit report from XXXX XXXX. I immediately contacted XXXX XXXX only to be informed that XXXX XXXX sold this debt off and it is now being reported as a collection. The balance amount being reported is incorrect and this account should never have gone to collections. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-06-23
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. (NC)

In accordance with the Fair Credit Reporting act XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX account Number XXXX has 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
Consumer complaint received 2020-05-06
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: LEXISNEXIS (NC)

XXXX  credit report numberXXXX XXXX ON XXXX XXXX XXXX XXXX XX/XX/XXXX credit inquiry stating for UNDERWRITING INSURANCE PURPOSES FOR XXXX XXXX ( LEXIS NEXIS ) XXXX XXXX has denied this. 
My identity theft. IS reg with FTC XXXX XXXX XXXX XXXX XXXX GEORGIA I REQUEST ENTIRE CREDIT INQUIRY AND WHAT ADDRESS WAS GIVEN Also XXXX  XXXX INCORRECT WAS REMOVED AND THEN ADDED BACK ON MY REPORT remove it asap please My identity thief uses this address Be safe
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (MO)

I paid the amount of {$420.00} to the XXXX XXXX XXXX XXXX XXXX XXXX ( Missouri ) on XX/XX/2020, which was posted on XX/XX/2020. 

I received correspondence from the debt collector Account Resolution Corporation on XX/XX/2020, regarding this paid debt, attempting to collect. 

Please see the attachments regarding this issue. 

Thank you.
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I was living in an apartment at XXXX XXXX and was forced to find a new place to live because of an overgrowth of mold. XXXX XXXX would not treat or remove the mold and it was affecting my health. XXXX XXXX reported a collection account on my credit report, so I hired an attorney and proceeded with litigation in XXXX of XXXX, resulting in a financial settlement of {$2500.00} from XXXX XXXX to myself. In addition, it was ordered to remove any collection account notifications from my credit report. It is now XXXX and the collection accounts are still reporting on my credit report. I have sent disputes to Nation Credit Systems, XXXX, XXXX  and XXXX  and included copies of my records from the settlement, including the owner and manager 's signatures. Since those disputes were submitted, instead of removing the accounts from my report ( as court ordered ) ; on XX/XX/XXXX the accounts were reported to be " verified '' with National Credit System and have been updated from an 'open ' status to a 'closed ' status. 
In addition, XXXX is now reporting the account TWICE with completely different balances, again reporting the information was " verified '' with National Credit System I have already gone through court for this account, I have sent the results of the settlement to National Credit Systems, XXXX, XXXX  and XXXX. They are court ordered to remove the accounts, but now they are damaging my credit even more? It has caused me to be denied by mortgage lenders and is preventing me from obtaining further credit, I really do not understand how or why they are not only refusing to abide by the lawsuit settlement, but now they are making it worse. It almost seems like it's intentional? I did not have any issue in pursuing litigation with XXXX XXXX  after they began to damage my credit, I will not hesitate to pursue litigation with National Credit Systems, XXXX, XXXX, and XXXX. I do not understand how National Credit Systems has " verified '' the information as the bureaus have reported? And now they are damaging my credit even more?
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (CA)

I was made aware of some suspicious accounts and inquiries that are on my credit report today XX/XX/2020 because I was turned down from getting an auto loan with XXXX XXXX. I found several accounts and inquiries on my credit report that do not belong to me ; I did not open any of the accounts listed on this report nor did I allow anyone to open these accounts in my name. I am not affiliated to any of these companies and I did not benefit anything from these accounts such as money, services, goods or anything else and I did not take part in any purchases or payments made towards these accounts. I have filed a police report and a complaint with the CFPB in regards to these accounts.
Consumer complaint received 2022-10-10
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. (AZ)

I was denied a business credit card that resolved to me getting kicked out of my house and losing my job and car. Its hard on my kids as well because they are XXXX, XXXX and XXXX XXXX XXXX and need me to support them. Im asking you to send me a check for {$250000.00} dollars to this address for complicating me for my pain and suffering you have caused us. Im trying to resolve this matter without going to court and you lose more than Im asking. Please respond within 15 days or charges will be brought to you.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

Merchant refunded my purchase but the credit wasn't showing up on my Chase card. Chase customer service department did not reply to my request of investigation. There was a dispute open, and its case ID was XXXX.
Consumer complaint received 2021-01-07
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: Merchants' Credit Guide Company (IL)

On XXXX XXXX, 2020, MERCHANTS CREDIT GU add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GU has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-10-23
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. (MA)

I NEED TO RETAIN AN IMMEDIATE RESPONSE AS TO WHY I HAVE NOT RECEIVED A RESPONSE IN REGARDS TO THE CHAPTER XXXX BANKRUPTCY STILL REPORTING ON MY CREDIT REPORT. THIS IS A DISCHARGED ACCOUNT, I HAVE TRIED SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW A REASON WHY NO ONE HAS RESPONDED BACK TO ME AND I WANT TO EXPRESS HOW THIS IS REALLY AFFECTING MY FROM PURSUING CERTAIN GOALS, I WOULD LIKE TO ACHIEVE.
Consumer complaint received 2022-10-10
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2021-12-07
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. (WI)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days I have not received a response yet. I fell like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) It plainly states that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (GA)

I contacted Southwest Credit System on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them.

I also informed Southwest Credit System that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX XXXX '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. 

I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. 

In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ) ,15 USC 1692f ( 8 ). 

I appreciate the CFPB 's assistance in the matter. 

Best,