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 — Their investigation did not fix an error on your report
Company: ONLINE Information Services, 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 2015-11-09
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Element Global Services (NJ)

XXXX XXXX called my home number listed allegations filed against me and failure to contact her will result in legal action. the name given ( XXXX ) is not anyone that resides in our home, currently or previously. We do not have any outstanding debt, or allegations against us.XXXX. number stated it is a debt collector and kept me on hold ( probably long enough to get my office number ) and then told me the person at number XXXX is not available, please leave a message.
Consumer complaint received 2015-03-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (MO)

I had a car loan with Lobel Financial and became 45 days behind. Since XXXX XXXX I received a total of XXXX calls between my husband and I cell and work phone .They constantly called back to back and when we did n't answer they would send and anonymous text message stating " please pick up the phone ''. They told my husband 's boss that he was stupid for not putting my husband on the line. When my husband questioned the lady that made the statement she simply said " I do n't care I do n't work there ''. They contacted all of my XXXX references informing them of personal information. Letting them know that we were 45 days behind on payment. They recent took the car which we are find with but when I asked what it would take to pick it up. They stated that I wwould have to pay XXXX. This included 2 monthly payments and a XXXX tow fee which does n't include the fee at the tow. The day that the care was picked up Lobel 's rep called my husband 's phone back to back with in 5 mins at least XXXX time because he kept sending her to voicemail. This collection practice that they have is not right and unethitical
Consumer complaint received 2022-04-03
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 XXXX XXXX XXXX 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 2021-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis is attempting to collect a debt from XX/XX/2019. The Practice they state the debt is from is called XXXX, XXXX. 

XXXX is no longer in business. The number they provide XXXX simply leaves forwarding information. The company where the Dr. now works has no previous records of any debt owed by me. 

Rash Curtis sent me what they claimed as verification with {$0.00} owed. 

XXXX had all my information if there were an issue and would have been paid through my insurance via XXXX XXXX XXXX and XXXX XXXX as the Dr. mentioned : XXXX XXXX was covering for my regular Dr . They worked out of the same office.
Consumer complaint received 2020-08-22
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. (GA)

To whom it may concern, I have filed several on line disputes with Transunion, XXXX and XXXX about a collector called XXXX XXXX XXXX. The account is not my account, and have requested that this information be removed on XX/XX/2020, XX/XX/2020 & XX/XX/2020 and on all times the agencies listed above did not respond correctly.
Consumer complaint received 2018-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (WI)

Discover Student Loans claims they have become the servicer of a loan in my name. I have not been receiving bills regarding this loan previously so I was suspicious and called them in XX/XX/XXXX and again in XX/XX/XXXX asking for them to send me a copy of a master promissory note to verify that the debt is legitimate. They told me both times I would receive it within 7-10 business days but I have not received it either time. They are now reporting this account to credit agencies.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

Business checking account ending in XXXX was closed by Wells Fargo on XXXX XXXX, 2017, after fees levied from my old merchant 's account ( case number XXXX ) caused this account to become overdrawn on XX/XX/2017 ( per letter dated XX/XX/2017 ). The fees included a non-compliance debit for me reportedly failing a test by a third-party vendor ( XXXX ) for using another third-party vendor 's ( XXXX ) site to process payments. Both companies, including XXXX XXXX, are included in the merchant services provided by Wells Fargo. I was not aware of these three third-party vendors, in addition to the Wells Fargo site, until after signing a contract for said services to which I consider predatory in nature as compared to other merchant services providers whose service is dramatically streamlined into one site. My old account has been reported to XXXX XXXX XXXX ( per their letter dated XX/XX/2017 ) which will make it difficult to open another checking account. Still receiving unwanted and annoying emails and letters from their bank.
Consumer complaint received 2015-10-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (OR)

I took out a loan for my education in XXXX 2007, it was a student loan with my aunt as a co-signer. My loan is currently past due and I am not working, I have repeatedly spoken to XXXX as well as AES about my options with payments while I am unemployed however they keep telling me that the investor has no options. I asked them to send me the original loan documents that I signed with XXXX when I requested the loan and realized that my loan is at a much higher interest rate than a classmate who is male and white, and had a credit score that was significantly lower than mine was at the time.
Consumer complaint received 2022-09-14
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. (VA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$1900.00}
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (CA)

On XX/XX/2021, XXXX XXXX initiated a ACH pull out of my Discover Bank XXXX account into my XXXX XXXX account in the amount of {$10.00}. 

However, XXXX XXXX realized that my XXXX XXXX account has been closed, so they returned the {$10.00} back to Discover Bank ( see XXXX XXXX response to the CFPB attached ). 

Now that it is XX/XX/2021, the returned {$10.00} still did not show up in my Discover account.
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I did an online purchase. It was a scam. They ask me to pay with Zelle XXXX, as soon as the scammers got the money, they cancelled the order and I never received the product. Because I used Zelle XXXX said there was nothing that can be done. Sells has no fraud protection like a credit card. If I had used the Visa Bank card they could investigate. So I lost {$250.00} to this fraudulent website and there's nothing I can do to recover that money.The apps like Zelle, XXXX XXXX, and XXXX do not have any federal protection against frauds or scams like a Credit Cards do. This should change.
Consumer complaint received 2021-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Attached below are additional documents which shows the letters I will be mailing out to collectors because they failed to validate my debt within a 30 day frame. I mailed letters to them on XXXX XXXX and have yet to hear anything regarding validation.
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (PA)

There is currently a credit card on my credit report from Discover Financial. I have called several times in an effort to resolve the situation to no avail. The account in question is under my ssn # and another persons name, but also has me as an authorized user. I have never had a account with discover financial and i have told them this several times and i have been a victim of identity theft and i am still currently battleing the issues from this, and every time i talk to someone at Discover they say it will be handled and it never is.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

I have been trying for 2 months to payoff my mortgage which has a high rate, and I 'm retired. I have called Dovenmuehle consumer service dept. to complain on XXXX, XXXX, XXXX, and XXXX, each time doing exactly the required paperwork and sending it US mail, email, and their internal email. I am told each time that they have records of my calls, but not the written requests, and will not take phone requests. On XXXX, they finally put me through to a. Supervisor who told me he would personally guarantee that the payoff info would be sent out the next Monday.. It is now 10 days later, and no word. Today, their automated system would not even recognize my loan number. We told them in XXXX about our address change and repeated the new address on every phone call and written correspondence since. HELP!
Consumer complaint received 2020-07-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MO)

I was employed at Citibank from XXXX. The 401k contributions from Citi are deposited only once a year. XXXX Citi contributions were deposited in XX/XX/XXXX. I had already rolled over my existing monies in my 401k previously. I was never sent any notice, email, letter, etc. stating that if I did not choose to do anything with the monies deposited it would automatically roll over to a Citi IRA. I received an email today, XX/XX/XXXX stating my statement was online to review. There was no account number or information other than it was now in an IRA and amount. I called and was informed the monies were with a different bank and they ( other bank ) would have been the ones to let me know about a 30 day response period. It was then eventually it was sent back to Citi and placed into a Citi IRA. I believe Citi should have sent information. When I tried to take appropriate steps to roll over my monies, I was informed they had blocked my account. Was told point-blank they would NOT be unblocking my account until KYC forms and documents were filled out, which is required for new customers. I am not a new customer, never authorized to be a new customer. Citi could not explain why I never received documents to fill out. I find it puzzling how there could already be a block on the account. It has not even been 90 days. I need the account block removed so I can roll this over.
Consumer complaint received 2019-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (VA)

I have been disputing this alleged medical debt on my credit for months. I have sent certified letters to the credit bureaus and to Medicredit collection agency. They have failed to provide proof that i owe this alleged debt. I spoke with the medical provider directly and they stated the debt is paid and i do not owe the debt. Medicredit is reporting false and misleading information to the major credit bureaus. This is illegal and a violation of my consumer rights under the FCRA and FDCPA.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

Commenity Bank has not reported my account to the credit bureaus for 3 months. I am told it is reported every 30 days but it clearly is not. 

Twice, I sent an online message to Commenity asking why they have not reported my account standing to the credit bureaus. The first time they told me they report every 30 days, even though I said they havent reported for 3 months. The 2nd time, I was told that their systems are down and I need to wait 45 days. I have already waited 3 months. Now I have to wait 4.5 months. 

I am trying to obtain credit and this account if affecting my credit score. Today, a supervisor hung up on me when I asked to speak to someone above her. These people are disgusting and rude. 

I need my credit report updated ASAP and z Commenity is making it impossible for me. They are not following through on their responsibilities. They are treating me like I have no rights in this matter and they are telling lies about reporting it to the credit bureaus. I have filed a dispute with all 3 credit bureaus and they are clearly not getting answers from Commenity either. 

I also want an apology from the company because the supposed Supervisor hung up on me. I am sure they can find out who it is.
Consumer complaint received 2021-03-03
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. (AL)

Recently, I ordered my credit reports and realized that my student loan payments are not reporting correctly. I disputed with the credit bureaus and you all validated the error that is currently on my credit report. Besides the inconsistency on all 3 credit reports, the payment history is all wrong. ( I've attached an example of only ONE out of many accounts ). 

If you'd take a look in XX/XX/2017, you will notice that I made a qualifying payment/deferment. The next month, XX/XX/2017, it states I am 90 days late. How is that possible? This is just one mistake out of many. I would like for all of my student loans that show this same mistake to be corrected and if you can't correct it, I would like this deleted off my credit as this error is hurting my credit, terribly.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

Account Number XXXX Amount of {$4900.00} Account Number XXXX Amount of {$2000.00} Account Number XXXX Amount of {$430.00} I did an FTC report and sent it to each credit bureau on XX/XX/2021.
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (WV)

I have had a recurring iss ue with BB & T re versing my online payments the same day that I made them in both  XXXX  and  XXXX . I received notification that my payment was being processed, but no further communication to notify that that payment was reversed on either occasion. I had to re-complete the payments both times, which also resulted in less of my payment being applied to my principal balance. I calle d BB & T  when I realized the second occurrence on  XX/XX/17    and was not given an explanation. The representative tried to tell me first that the  XXXX  issue was due to an upgrade to their system, and then that I had paid  XXXX  on the phone with an account that did not exist. I have made my payments online from the same checking account every month, so the explanation that I had used a different account was absolutely false. The rep did not even try to provide an explanation for the  XXXX  payment being reversed, nor did she provide an explanation for why I was not notified that the payments were reversed. It appears more that the bank is doing this on purpose to squeeze more money in interest out of me.
Consumer complaint received 2021-03-03
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. (AL)

Recently, I ordered my credit reports and realized that my student loan payments are not reporting correctly. I disputed with the credit bureaus and you all validated the error that is currently on my credit report. Besides the inconsistency on all 3 credit reports, the payment history is all wrong. ( I've attached an example of only ONE out of many accounts ). 

If you'd take a look in XX/XX/2017, you will notice that I made a qualifying payment/deferment. The next month, XX/XX/2017, it states I am 90 days late. How is that possible? This is just one mistake out of many. I would like for all of my student loans that show this same mistake to be corrected and if you can't correct it, I would like this deleted off my credit as this error is hurting my credit, terribly.
Consumer complaint received 2017-06-07
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: CITIBANK, N.A. (NY)

On  XXXX / XXXX /  XXXX  , through my email, I received a response from CFPB, however I was unable to view it as I was trying to reset my password and gain access to the response but did not get any emails to reset my password, so I made a call and someone was nice enough to read the response. It was decided from CITIGROUP that the merchant denied the refund and CITIGROUP were unable to resolve my issue. I am declaring a secondary dispute towards this case because the services were absolutely not received from my merchant. The merchant has tied off communication with me and  CITIGROUP  is n't complying with this case. It is unfair that CITIGROUP is allowing my previous merchant to run away with {$900.00} while services were unfulfilled. I allowed the merchant to deliver the services after 3 months while being promised to be done within 1 month. I gave the chance but never received anything. These services were for a website creation from the merchant that was to be expected yet received.  CITIGROUP  claims that they have sent out emails, mails, and communication to notify me of an action that I have not taken. However, I receive everything and keep up to date with my emails, mails and other forms of communications, but I absolutely did not receive any type of communication from CITIGROUP involving the disputed case whatsoever. CITIGROUP nor the merchant are complying with my situation because they are making claims that I should 've taken action of response when the proper communication was not delievered to me.
Consumer complaint received 2021-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I have contacted FCO - XX/XX/2020 XXXX XXXX XXXX  {$190.00} Up till this date no contact in regards to the validation, open date/ close, no information I am a victim of identity theft with no correspondence.