davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: AmeriCollect (NJ)

HI, I had been to the hospital on XX/XX/2016, i gave the insurance details to the hospital later and i didnt hear anything from the hospital and never got any news from hospital.Later by XX/XX/2016 i called the hospital and gave my change of address information to the hospital also ensured that the hospital has insurance details. After that they told they will contact insurance company and then get back to me but have not hear anything from them. 
I was waiting for bill, and now i see there is outstanding of {$150.00}, i am not sure why no one contacted me as i have provided everyone my change of address as well as phone number. 

I do not agree to this collection, i wil pay {$150.00}, please let me know how do i pay them and also please remove the admended score.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: HOME BANCSHARES, INC. (AR)

The above categories do not address the complaint I have. Centennial Bank, routing number XXXX had a data breach in XXXX XXXX XXXX. As a customer, I was not notified until XXXX XXXX XXXX. The bank offered a one year credit watch, but the crucial time of immediately after the breach had already expired. This is inexcusable. A customer should be made aware specifically what data was compromised and what has been done to keep it from reoccurring. If human resource data was breached, then minors of employees could have social security numbers that were compromised which a credit check would not reveal.
Consumer complaint received 2017-10-01
Product: Credit card or prepaid card — Store credit 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)

After filing a complaint with the CFPB, I finally received a detailed letter from Macys through XXXX XXXX. As the attached letter shows, I am even more confused about the propriety of the alleged credit card balance that Macys claims to be due. Macys acknowledges account errors of many sorts. 

I am willing to pay whatever I owe but I would like specific proof by way of signed receipt so I can confirm exactly what I bought that constitutes the amount claimed to be owed. If it is valid I will write an immediate check. 

Based on XXXX XXXX 's letter, and through no fault of hers, I have no confidence in Macys ' account record-keeping. Thank you.
Consumer complaint received 2019-10-26
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (DE)

After months of research and speaking to Legal Aid in Delaware and California I have come to discover that I am a victim of Sewer Service from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Aid in CA was 'too busy ' to help me so I am on my own. 
I never was served and this lawsuit is a fraud. 
On XX/XX/XXXX they placed an illegal hold on my Chase Account for {$43.00} and proceeded to steal the {$43.00} from this account on XX/XX/XXXX. 
I am requesting this money be reimbursed since it is an illegal action and I am a victim of Sewer Service. 
I have attached documents showing the hold and the falsified court documents they sent me. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX claim to have served me in XX/XX/XXXX and on XX/XX/XXXX neither happened, so I was actually a victim of Sewer Service twice. 
I have now become aware of what Sewer Service is and I know it is highly illegal. 
What is surprising is that Chase Bank allowed the theft to happen even though I informed them the lawsuit against me was fraudulent. 
I am currently XXXX and have been since XX/XX/XXXX so I am unable to work. I am awaiting a hearing from Social Security which takes at least 600 days to be seen so my case is still pending and I do not collect XXXX at this time. 
I am being victimized and have been haunted by this fraudulent lawsuit and companies for several years now. Please help me resolve this matter and hold the fraudulent companies accountable for their illegal actions.
Consumer complaint received 2019-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc. (UT)

Received a notice today from XXXX  with a " account number '' and a request to settle a debt of $ XXXX for $ XXXX. Alleged debt is from XXXX. I have never received a required VOD notice under the FDCPA, XXXX XXXX letter gives you no options to dispute the debt and their tactics are very deceptive and abusive. On the back of the alleged account statement in fine print is the following notice " The law limits how long you can be sued on a debt. Because of the age of your debt USI Solutions Inc can not sue you for it and this debt can not be reported to any credit reporting agency. XXXX XXXX, XXXX can not sue you on this debt and XXXX XXXX, XXXX can not report this debt to any credit reporting agency. '' This notice is clearly a UDAAP violation. Also I have no idea who USI Solutions is and again have never received a VOD notice. Recommend the Bureau send this to Enforcement and bring an action against both companies. Also recommend the Bureau  continue their work on Reg. F, which will help fix these predatory tactics. Finally XXXX and USI Solutions ( whoever they are ) must cease and desist all communications with me as I do not owe this debt, do not know this debt and do not know these companies.
Consumer complaint received 2020-10-08
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. (MO)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all XXXX credit reporting agencies.
Consumer complaint received 2021-02-03
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: Early Warning Services, LLC (FL)

I requested a copy of my consumer report from Early Waring and they provided it. I was stunned to see every transaction in my bank account listed on the report. I immediately contacted them and asked them to freeze my consumer file so it would not be shared. 

They responded that they are not required to comply with consumer report freeze requests. When I asked for an explanation they would not provide one. I have since sent email and mailed letters requesting that my report be frozen and they do not respond to either method. 

Clearly, the bank transactions listed on my Early Warning report are being used by their member banks to make credit decisions or influence credit offers they may provide to me. 

The banking transaction listed in the Early Waring report is far more detailed and private than any data you see in a standard credit report. It is essentially a copy of your bank statement. This information should not be shared with anyone member company or otherwise.
Consumer complaint received 2017-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (WV)

Sallie Mae harassment 1- All of my student loans ( federal and private loans ) have been consolidated a year ago and now belong to XXXX XXXX. Consolidated all in one, instead of dealing with multiple lenders and multiple federal loan servicers. 
2- In addition, i am unable to make any payments at this time due to unemployment. I have been in forbearance with XXXX XXXX for the past few months, and XXXX XXXX has been very understanding and helpful in this time of extreme financial hardship. 
3- Any loan which i had with Sallie Mae was consolidated, therefore i do n't understand why sallie mae is harassing me. To give a fee examples, On Saturday XXXX/XXXX/2017 I received a call from Sallie Mae at XXXX XXXX. I have phone records to prove this phone call. 
In addition, i received a call from my former employer saying that " Sallie Mae is looking for you and they repeatedly call here ''.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc. (TN)

I have a judgement from XXXX XXXX XXXX on my credit that was paid in 2018 in full {$210.00} I have reached out to the XXXX XXXX and the collections agency and they confirmed the balance is paid in full!
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (PA)

After reviewing the USbank denial report, I concluded that this decision is completely unfair and irresponsible for the following reasons : 1.My DTI is at XXXX % ( my income is {$31000.00} per month + rent {$3500.00} from property ) my obligations is ONLY @ XXXX for the mortgage on the rental property I own in XXXX XXXX XXXX , CA XXXX 2.Delinquency regarding my late payment on the XXXX credit card was explained in a document was submitted to USbank, the amount was {$300.00} and we did not received the final bill because of our move to XXXX on XX/XX/2013. 
3.They are no revolving accounts for me in XXXX except the mortgage including insurance + tax for my property in XXXX XXXX , which is {$3900.00}, and I pay {$5000.00} every month for 15 years mortgage. 
4.Unable to verify employment is completely untruth, XXXX for my employer ( XXXX ) here in XXXX and XXXX were never contacted by USbank or anyone representing USbank. 
5.I have been working with XXXX for the last 17 years going on my 18 years and complete records of my salary and positions are available in the XXXX system. 
6.My FICO score is XXXX
Consumer complaint received 2017-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: H. Kent Hollins, Attorney at Law, P.A (KS)

I informed   XXXX   XXXX   XXXX   XXXX   of debt they tried to collect on behalf of core first bank and trust. for {$830.00} in  XXXX . That debt was the result of fraud and I had notified the bank and the credit bureau. I disputed the debt on my credit report and the bank agreed the debt was fraud and had it removed from my credit report. Now for whatever reason that debt was sent t o Hollins H Kent. I imformed the m that the debt was takin care of and removed from my credit report. They told me that they didnt care and that I owed  XXXX   XXXX  kent now. I
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I keep getting denied credit due to a bankruptcy that never happened, I asked everyone to remove but seems to stay, the bankruptcy was never completed and was cleared by a judge. They started to take payments from my checks for a chapter XXXX in XX/XX/XXXX, but I got sick from military injuries in XX/XX/XXXX and lost job and could no longer pay, so it was cancelled until I resubmitted, the Veterans administration owed me money so I have never refilled the bankruptcy, just ca n't pay do to injuries. So when I get paid from Government I will pay back creditors, or fill again completely, again I have paperwork showing judge cancelled and it is public record, but keep getting it on credit. Needs to come off as it has cost a XXXX veteran even more money by being slandered by credit companies. If they can find where i seek to file, they can find where it was cancelled. I would like to be paid damages from the situation as it has cost me many problems, and it is my right to receive damages if false information is entered and not corrected. If I filed and it was legal I could understand, but if they do n't take it off I will make sure it is reopened and make sure everything is included and all those people will loose money because the credit reporting companies do n't research thoroughly to find correct information, about {$50000.00} dollars, I think the companies would appreciate correct work. Thanks
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OH)

I noticed my XXXX score had dropped from XXXX to XXXX. I was able to get a credit report and noticed that a debt ( {$390.00} ) was presented to the credit bureau. I did some research and found out that a collections agency called XXXX XXXX presented the debt.. The case was open in XX/XX/XXXX. I have never received an email, mail through the USPS or a phone call. However, I'm receiving continuous off the wall phone messages from people offering a pre-approved {$250000.00} dollar loan as well as individuals seeking out a " wall cover person '' The numbers are not local, so I ignore the calls. If XXXX XXXX is using an alias to contact me I don't know. I have never heard of Convergent Outsourcing and have never been contacted personally. I have contacted them ( XX/XX/XXXX ) and explained, as I'm doing now, and have not heard back from them ( XX/XX/XXXX ).
Consumer complaint received 2024-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (IL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name ally financial Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (UT)

Received a notice today from Convergent with a " account number '' and a request to settle a debt of $ XXXX for $ XXXX. Alleged debt is from XXXX. I have never received a required VOD notice under the FDCPA, Convergent 's letter gives you no options to dispute the debt and their tactics are very deceptive and abusive. On the back of the alleged account statement in fine print is the following notice " The law limits how long you can be sued on a debt. Because of the age of your debt XXXX XXXX XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. Convergent Outsourcing, Inc. can not sue you on this debt and Convergent Outsourcing, Inc. can not report this debt to any credit reporting agency. '' This notice is clearly a UDAAP violation. Also I have no idea who XXXX XXXX is and again have never received a VOD notice. Recommend the Bureau send this to Enforcement and bring an action against both companies. Also recommend the Bureau continue their work on Reg. F, which will help fix these predatory tactics. Finally Convergent and XXXX XXXX ( whoever they are ) must cease and desist all communications with me as I do not owe this debt, do not know this debt and do not know these companies.
Consumer complaint received 2017-07-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (IN)

Today I received a letter from my supervisor at work that I had a personal phone call from this XXXX from Pioneer Credit Recovery. I was extremely upset and embarrassed!! I have never not once heard of this company and certainly have not received anything via US Mail that I owe a debt to them. What are they doing calling me at work > Is n't this a violation? How can they just start harassing me at work when I have yet to receive anything documenting this supposed debt >?
Consumer complaint received 2016-01-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (IL)

I filed a dispute with my bank on my XXXX debit card due to poor quality of goods purchased. I tried to work with the supplier but they refused to allow me to return the merchandise so I filed a dispute with the bank. I was issued a provisional credit. Recently received a letter from my bank basically telling me that they could do nothing about my dispute did not even try to chargeback the supplier.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

Wakefield & Asscociates were collecting a medical debt that I have been unaware of due to mailing issues with a super long address. 
How Wakefield & Associates mailings got to me, I have no idea.

Billed 4 times for 4 different accounts on XX/XX/ and stating " .... a one time offer to pay 50 % of the balance by XX/XX/ and your financial obligation will be completely fulfilled and will notify credit reporting agencies that your accounts have been paid in full '' I did pay them on all 4 accounts the full 50 % agreement amount on XX/XX/ to satisfy what Wakefield & Associates requested.

After Wakefield & Associates had cashed all 4 orf my checks, they then sent me a letter on XX/XX/ stating, " Thank you for your recent payments of {$1400.00} received on XX/XX/ ... ... .. 
Please call our office to make arrangements to pay the remaining balance of $ {$1500.00} I did file a dispute with XXXX  Credit reporting agency and that is still under investigation in which I submitted the same supporting documents as I am to you.

As you can see in Wakefields own mailings, they ALSO did not include apartment # 12 in the address. So its a XX/XX/XXXX if I get mail or not apparently since these got to me but others haven't. 

I have made good on other accounts in collections because of same issue and did not have any problems with those companies. 

I am writing this complaint because it is " Unfair Business Practices '' and " Breech of Agreement/Contract ''. I feel bad for the elderly who may wind up double billed from unscrupulous  companies. 

Supporting documents attached including cashed checks