davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
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. (NJ)

To whom It may concern, On XX/XX/20 I am looking at my credit file and notice a bill for {$75.00} which was fraud and never authorized by me as I never went to XXXX. A few years back I had seen something from XXXX and I explained to them this isn't me it is fraud and if they can prove I did it than I'll pay. I believe it was a different amount. Anyways I called them back I was to say sometime in XXXX and mentioned under the fair credit act you must remove this from my file as you have shown me no proof of doing business with you. 

They said they would remove it since it was fraud and not authorized by me. For some reason It is still up. Anyone is more than welcome to call me on the subject.
Consumer complaint received 2020-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I would like to get the PMI removed from my mortgage payment. I called their 800 number and was told they can't do that over the phone and I would have to send a letter. I sent a letter to the address she gave me about a month ago ( 27 days ) and have heard nothing. Now, I was looking around my portal on their website and found my Escrow Summary with a phone number. However, the number doesn't have an area code ; there is no way to call them. It's like they don't want me to remove the PMI so they continue to make extra money. 
I have not ever missed a payment or made on late.
Consumer complaint received 2020-03-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (CA)

Nations lending called multiple times to try and refinance my house when I was working with another lender in XXXX. I told them multiple times not to call again. Finally they stopped after I told them if they ever called again I would file a complaint. Today ( after starting refinance with a different lender because it did not work out last time ), they called again on XX/XX/XXXX at XXXX XXXX.
Consumer complaint received 2020-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (VA)

On or about the second week of XX/XX/XXXX, I was contacted by Phoenix Financial Services, LLC ( PFSL ) concerning an alleged medical debt, in the amount of {$110.00}, that they said was incurred sometime in XXXX in XXXX XXXX Nevada. 

I don't owe this debt, was never informed of this debt, I don't live in XXXX XXXX Nevada and was never sent any debt collection information until now. When PFSL contacted me by phone at my work they did not know my current address or even knew if I was the correct person who owed this debt. 

I asked them for the following information ; 1 ) Validation of this debt by a ) send the original notice and documentation of the debt, b ) who the original creditor was, c ) actual copy of the documentation for the bill that they said was incurred showing the amount and breakdown of the services provided, 2 ) when such debt was reported on my credit report ; a ) when this was reported, b ) if my social security number was compromised by PFSL or shared with other creditors or debt collectors, c ) any correspondence or documentation with any communications from me prior to this initial contact by PFSL. 

They refused to send my " any '' validation information other than a bill that looks like a " check, '' which appears to be deceitful and deceptive. This appears to have been sold several times from other debt collectors.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian : calling the toll-free number to initiate credit freeze. Simply demands information be mailed to a XXXX XXXX in XXXX Texas. Experian is blocking consumer 's ability to effectively freeze their credit access.
Consumer complaint received 2020-06-29
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: EQUIFAX, INC. (MD)

Dear to whom it may concern, My name is XXXX XXXX, I have been trying to report about inaccurate accounts in my credit report but the credit bureau has always intended to avoid their responsibility and none of my request has been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this investigation withins 30 days. 
**Name Reported** _XXXX, XXXX , T this name is incorrect, My only correct name is XXXX XXXX. Please delete it!!! 
**Address Reported** _ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX , OH XXXX These address are incorrect, I have attached proofs of my current address below.! 
**Employment info** PRIME This employee is not belong our business so please delete it!!! 
**Credit Card** _ XXXX XXXX XXXX XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX Opened Date XX/XX/XXXX The account balance show {$11000.00} when the amount past due is {$7700.00} **Collection** _ CHLD SUPP VA Opened Date XX/XX/XXXX How can there by $ 428 monthly payment in a charge off account. The balance is XXXX $ and past due amount is {$40000.00} in Transunion while the balance is XXXX $ and past due amount is XXXX in Equifax report. Delete it immediately!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
**Collection** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This charge off account is not mine please delete it as it is not belong to me, you have to provide me full documentation VIOLATION COUNT XXXX [ XXXX XXXX. XXXX ] ( a ) There are several items on my report that are not legally allowed on my report **Credit card** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account is not mine. I do not have any financial obligation with them. Please delete it!!!
Consumer complaint received 2020-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MN)

I have attempted to contact Chase bank multiple times to close my checking account. Wait times are hours on the phone and I can not go into a branch due to COVID 19. They have NO OPTIONS for connecting with them in a timely manner.
Consumer complaint received 2019-11-18
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. (GA)

To whom it may concern : In my credit report there are account that are not mine, I'd like for you to remove these account from my credit report, because I may have been a victim of identity theft, an FTC report is attached to this complaint.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

UPON ME REVIEWING MY CREDIT REPORTS I NOTICE AN ACCOUNT THAT IWS ON MY CREDIT REPORT, THAT NEEDS TO BE DELETED, FROM MY CREDIT REPORTS.BALANCE {$4600.00} BALANCE UPDATED XX/XX/202XXXX XXXX
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc. (CA)

Amsher collection services collecting for : XXXX XXXX/XXXX-charging and now collecting for wrongful fees & charges. 
I called customer service inquiring about service. 
The Representative took it upon herself to mailed out equipment to my address. 
I NEVER CONNECTED. 
I RETURNED ALL BOXED EQUIPMENT BACK I NEVER ACCUMULATED ANY SERVICE FOR GOODS NOTHING
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I requested in 2018 from XXXX XXXX attempting to collect an alleged debt owed to XXXX when they had repurchased the debt that XXXX XXXX provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. As well proof of original debt including but not limited to date of last payment made on account and details for the alleged debt. 
I never received any of the information requested. 
After disputing the information, The credit bureaus failed to confirm the date of alleged debt well exceeds 7 years and refuses to correct the inaccurate information and continues to treat the matter as a current debt every time the account is resold even though this is past 7 years and has been disputed by me.
Consumer complaint received 2019-11-17
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. (SC)

Around XXXX XXXX XXXX received completed compliant from Experian. XXXX closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. XXXX retained mortgage all this time Since XX/XX/XXXX.All they ever done was changed Account number. But XXXX has been lien holder all this. Since XX/XX/XXXX when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on XXXX.
Consumer complaint received 2019-11-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMS-Recovery Management Services, Inc. (MD)

During a review of my credit report, I noticed a debt and a corresponding name to that debt that do not belong to my identity. The debt was related to a federal student loan and the name corresponding to that debt was one not belonging to my identity. After further review, I disputed that debt and name with each credit bureau as neither belongs to my identity. To this day, the referenced derogatory account has remained on my credit profile and is affecting my scores tremendously. I know that this debt is not an enforceable debt in the amount stated and does not belong to my identity. An unknown party without my permission or knowledge used my personal identification data to execute documents to obtain this loan. As I did not apply for this loan personally, I never intended to receive a student loan to pay for my education. An attempt to use mine and others personal identification data to obtain this loan was done illegally, with incorrect and false data. 

The date of the first contact by the collection agency was XXXX of XXXX. The total balance they presented to me was {$5200.00}. At that time I contacted the agency explaining the debt was not mine and does not belong to my identity. They responded in XXXX with documents and steps I needed to take in order to prove that fact. I followed their steps within the same month, only to be contacted saying what I did was incorrect and would not be accepted. In XXXX after not hearing from the agency, I sent another letter explaining the debt was not mine in conjunction with a letter from the FTC and an Identity Theft Report to have the debt collection stopped and it removed from my consumer report. Between XXXX and XXXX, they started to send correspondence to my work saying that they were going to garnish my wages in order to pay off the debt. They did not stop reporting the debt or stop collections activity against me but sent another form in XXXX that I needed to fill out to prove the debt does not belong to my identity. I complied and returned the form within the week. Again they responded needing MORE supporting documents by XX/XX/XXXX. The documents the requested were documents I sent them previously and this would now be the fourth time. I sent the documents in order to comply and put the matter to rest. However, after returning the documents I have not been able to get ahold of the  agency and they have not communicated any results back to me. I have sent follow up letters to all parties involved but I have not received any responses. One thing the collection agency does a good job of is leaving the full name of who the debt belongs to on their documents. They leave out a key part of the name that proves immediately the name and debt does not belong to my identity.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

around XX/XX/2019 i had fees waived an because of the fees my credit limit went down from {$4400.00} to {$3000.00} an once the fees was waived my limit didnt go back to my original limit.i yall to them on XX/XX/XXXX
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested in 2018 from XXXX XXXX attempting to collect an alleged debt owed to XXXX when they had repurchased the debt that XXXX XXXX provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. As well proof of original debt including but not limited to date of last payment made on account and details for the alleged debt. 
I never received any of the information requested. 
After disputing the information, The credit bureaus failed to confirm the date of alleged debt well exceeds 7 years and refuses to correct the inaccurate information and continues to treat the matter as a current debt every time the account is resold even though this is past 7 years and has been disputed by me.
Consumer complaint received 2019-11-18
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. (GA)

I recently disputed information on my credit reports due to upon pulling my report for business opportunity, I noticed inaccuracies in the form of a bankruptcy, wrong personal information, unauthorized inquiries and I addressed these issues with this company. I included letters I wrote to Court and XXXX which is where they stated they verified the bankruptcy and I included letters from these same entities stating they did NOT and do NOT verify this information resulting in XXXX deleting the item from their record. I am very distraught because their lack of cooperation is not only hurting my credibility and character but costing me business opportunities as well. I recently suffered the loss of my veteran husband and I am trying to stand on my own without unnecessary setbacks. I am including the letters I received from the court and XXXX, the same letters I included to the company.
Consumer complaint received 2020-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education (MD)

Attending the University XXXX XXXX  from fall XXXX I took out four ( 4 ) FFELP Stafford subsidized and six ( 6 ) FFELP Stafford unsubsidized loans totaling {$66000.00} from the Utah State Board of Regents. After completing my XXXX. in XXXX, I began paying the debt back. To my amazement I'd learned that Utah sold my loans to my loan service provider-XXXX, More amazing was in XXXX my loans were consolidated and sold back to the Utah Board of Regents and my interest rate was adjusted 2 % higher. ALL DONE WITHOUT ANY NOTIFICATION OR MY CONSENT. For almost 16 years I've made payments on time every time despite a bout with XXXX, a very nasty divorce ( lasting almost 4 years leaving me penniless ). About two years ago I heard of the two Federal loan forgiveness programs ( XXXX  and public service ). For 20 years i've XXXX  in XXXX XXXX XXXX  and match the criteria forforgiveness perfectly. After my third attempt to apply to the program ( Utah lost my paperwork twice ) I was told that the loans were consolidated and were no longer under the federal umbrella. I was told 'tough ' you're a rich XXXX  from DC and I was going to have to pay them off. I learned about two weeks after the phone conversation that my loans were bought AGAIN .... BY THE SAME LOAN COMPANY! I feel this THIRD refinance had to do with my request for forgiveness and gave them to raise my interest another point. My last payment is due XX/XX/XXXX ( I'll be XXXX yrs old - did I mention I plan to retire next year? ) Since beginning payments in XXXX I've never been notified about anything or have I signed any kind of agreement. In XXXX the financial aid office did not provide counseling or provide updates or information other than I the paperwork i signed agreeing to the loans. i challenge them to provide documents. Thanks for listening.
Consumer complaint received 2019-11-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I had become XXXX XXXX  and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went XXXX and lived in the XXXX   and I use all my credit cards to survive. I was XXXX  and XXXX  for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX.

this debt is from when I was sick.

please remove for I can start fresh
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I previously had a store account with Macy 's. I had fallen behind on payments however in XXXX of XXXX, I paid off my entire bill for {$140.00} using the automatic bill pay function from my bank. This was the entire balanced that showed on the account at the time that the payment was made and this was the amount that was reflected on the e-bill sent to my credit union by Macy 's subsequently, and unbeknownst to me at the time Macys tacked on a late fee during the same month but after the bill had been paid. I tried clearing up the fee in the past because I had paid off the entire principal balance. I got the run around from everyone that I talked to. Recently, I looked into my credit and saw that Macy 's had tacked on a ton of subsequent charges after the initial late charge. Thus the principal balance owed went from {$0.00} after I paid the entire balance to around {$32.00} after Macy 's tacked on a late fee and it continued to climb from there. The Balance due now stands at around {$290.00} dollars. This entire amount is comprised of late fees and interest on top of the late fees. On or around XX/XX/XXXX I called Macy 's to try to settle the account. I was told that the account had been sent to an internal collections department. I asked the department if I could pay the principal balance from when the company tacked on the first late fee and interest charge. The collections department said no without any explanation as they were trying to force me to pay over {$250.00} in drummed up charges and late fees. I then asked if I could settle the account. I proposed to settle the account for around {$75.00} to {$100.00} which was more than reasonable considering I had originally paid off the full balance of the card. The representative said that the company wanted at least {$200.00} which was wholly unreasonable and unconscionable given the account was previously paid in full. I stressed that I really wanted to make good and pay the account but could not in good faith pay all that excess money. Since XXXX I have been trying to settle this account through various means and communicative channels. Macy 's has essentially made my life XXXX. The worse part is that I just graduated law school and I am preparing to be an attorney. This account is impacting my ability to be admitted to practice law because it makes me appear as if I am financially irresponsible. I am trying to find a reasonable solution and while it may seem dramatic, Macys is literally ruining my life and career prospects.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I requested in 2018 from XXXX XXXX attempting to collect an alleged debt owed to XXXX when they had repurchased the debt that XXXX XXXX provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. As well proof of original debt including but not limited to date of last payment made on account and details for the alleged debt. 
I never received any of the information requested. 
After disputing the information, The credit bureaus failed to confirm the date of alleged debt well exceeds 7 years and refuses to correct the inaccurate information and continues to treat the matter as a current debt every time the account is resold even though this is past 7 years and has been disputed by me.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have informed all 3 credit bureau 's XXXX, XXXX, and Experian that my Chapter XXXX Bankruptcy has incorrect information such a the court is listed as Federal and US BKPT Ct GA XXXX. Also it has been brought to my attention that the clerk 's office does not report any information to the credit bureua 's.