davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (IL)

The credit reporting agencies are continually reinserting the following unknown collection for {$470.00} on my credit file. It keeps popping up on my report for the same amount but under different companies since XXXX with XXXX XXXX XXXX being the most recent : XX/XX/XXXX - XXXX XXXX XXXX {$470.00} XX/XX/XXXX - XXXX XXXX XXXX {$470.00} XX/XX/XXXX - XXXX XXXX XXXX {$470.00}
Consumer complaint received 2020-03-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (NY)

I have been going back and forth with Phoenix Financial Services. They called me stating I owe {$2700.00}. However, only XXXX is reported on my credit report for XX/XX/16. When I asked them who the original creditors were, they said XXXX XXXX XXXX from XXXX XXXX  XXXX, Address XXXX XXXX XXXX XXXX, NY XXXX. I know I had no debt with them. I called XXXX XXXX XXXX billing ( now XXXX XXXX ). I spoke to a wonderful representative, XXXX XXXX. When I explained the situation, she was confused because they never worked with XXXX or Phoenix Financials and that they were sending a debit from four years ago. She informed me, they send it to creditors after one year of being unpaid. We actually called Phoenix Financials together on three way, XXXX spoke to a man named XXXX. She stated they never worked with them, nor did I owe any type of debt from the date specified XX/XX/16. I was never even seen by a Dr. XXXX, or even at the doctors on XX/XX/16. XXXX was very rude and hung up the phone on us and stopped answering. XXXX then reported it to her supervisor. I also called XXXX hospital services, they also verified they have never worked with XXXX or Phoenix Financials. They both sent me XXXX balance statements which will be attached. When I called Phoenix Financials back ( I have the recording on my cell phone ) to let them know the information they had was wrong, the woman hung up in my face after yelling at me. Also, on Phoenix Financials statement it says my address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I never been to this address or seen a Dr. XXXX. The address from the Doctor and Original creditor ( XXXX  ) do not match. If you look Phoenix Financial Services up on the XXXX  and consumer affairs, you will see that they have thousands of complaints and lawsuits about fake and inaccurate debt collections. The company has not cooperated with me, and refuses to remove it off my credit report. I would like this removed immediately and this company to be reported ASAP so it can stop harassing innocent people. I've also reported this with all 3 Credit Bureaus Thank you for your time.
Consumer complaint received 2020-03-28
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)

A fraudulent account from THD/CBNA, XXXX CREDIT CARD is reporting on my credit. I never opened this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Consumer complaint received 2021-03-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Debt Recovery Solutions, LLC (VA)

Debt Recovery Solutions which is a collection agency for Loan by Phone has placed a collection of {$210.00} on my credit report for a so called loan by phone back in XX/XX/XXXX. This company came out of no where with this loan. When I spoke to them they said it was in XX/XX/XXXX or XXXX. XXXX!! I never had a loan from these people nor did I receive anything. I have a my bank statements for years now that shows where any loan monies I receive or received been deposited and that amount and company is no where on there. I'm XXXX because I have disputed with XXXX XXXX an nothing was done it is not accurate. I have no unpaid loans from this company. I may have applied but never went through it. I have statements to prove it. Its destroying my credit score and these people need to stop. Funny thing is my kids father received a call from same people saying he had a loan by phone and a balance he never touched a loan in his life. Please help I don't want to be robbed for monies I never received. They can't even provide documentation and/or receipts.
Consumer complaint received 2021-03-13
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. JXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.
Consumer complaint received 2021-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

I made the mistake of sending a partial payment for my mortgage for the month of XXXX without knowing. Few days later ( XX/XX/XXXX ), I received a letter advising that payment has not been received by the bank - no explanation as to what happened ( see attached ), but after realizing that I sent a short payment, I immediately sent the remaining balance ( little over {$200.00} ). 

Around XX/XX/XXXX, I received an email advising a late payment status on my account. Called the bank ( Citizens Bank ), and they notified me that Citizens does not take partial payment on mortgages ( customer service said it was illegal ). On XX/XX/XXXX, I petitioned to XXXX XXXX, to apply existing funds under your possession ( that would have completed the mortgage payment ), and as of today XX/XX/XXXX, still is pending as she is stating that Citizens needs extra time to stop the checks that were issued back to me to refund the partial payments. 

Meanwhile, my credit report has been impacted as Citizens have been reporting me as delinquent, even though you have the funds under your possession. 

I please need someone to help and look at this matter under as Citizens Bank is still under possession of the funds that could have been apply to the mortgage payment for the month of XXXX ( in fulll ) but they refused to do so and instead they reported me as delinquent on the mortgage payment.
Consumer complaint received 2021-03-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (MD)

I received letter from Shellpoint mortgage on XXXX/XXXX/2021 about my mortgage loan account number XXXX that they resume reporting my discharged loan starting from XXXX XXXX2021 its against the law to report my discharged loan through chapter XXXX bankruptcy since these is not there first time that they attempted to collect a debt or intimidate a borrower I would like to be compensated for moral damages.
Consumer complaint received 2021-03-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CT)

My student loan was in deferment. I applied for a forbearance which was applied to my account effective in XX/XX/XXXX. My payment status shows on time payments/in good standing up until XX/XX/XXXX when it jumps to a 90 day delinquency, which of course is derogatory. Despite the fact that the effective date of the forbearance precedes the 90 day delinquency and the payment statuses do not correspond ( no 30 day or 60 day late ), fedloan claims it is a valid delinquent payment.
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3800.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$250.00} ; XXXX  Inquired on XXXX XXXX, 2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-03-26
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I applied to refinance my student loans with Citizen Bank through their Citizen 's Bank Education Refinance Loan. A little after XX/XX/XXXX I received a letter denying my request/application. They gave three reasons, 1 ) number of auto finance accounts, 2 ) age of bankcard accounts and 3 ) total balance on bankcard accounts. 

I have one auto loan and only one that shows up on my credit. I would assume that 90 % of the people in this country also have an auto loan, so I am not sure how this is relevant. 

I do not have many new bankcards and my oldest is over 12 years old. I have never missed a payment in my life on anything. 

As for credit card balances, I pay some of my credit cards off every month as I use them for the points. The other ones that carry balances are interest free. So the credit report probably shows higher balances than typical. 

I have had the student loans since XXXX and never missed a payment. I am paying 6.75 %, which is ridiculous considering the current rates. 

Citizen 's did not even reach out to me to verify my income, which is in the six figures. Nor did they ask how much cash, marketable securities or retirement accounts I have, which should all play factors into the decision, as someone with a strong liquid position or good liquid assets could payoff the credit cards when the zero interest is up. They did absolutely nothing but look at a credit report, which showed no late payments ever. 

I have been in commercial lending for over 14 years. Citizen 's took my complaint but really couldn't explain their decision. 

Their letter said my score was XXXX out of a high of XXXX ... .However, i pulled my free credit report on all three credit agencies and all showed that I had no missed payments, no public records, no judgement or any other negative items. It sounds like their scoring is not very accurate as I easily clear over {$2500.00} a month after all bills and expenses I currently pay.
Consumer complaint received 2021-03-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

XXXX : EQUIFAX RESPONSE OF CLAIM XXXX EQUIFAX RESPONSE : The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. 

ORIGINAL COMPLAINT XXXX : Equifax and XXXX refuse to remove these fraudulent, inaccurate, and unauthorized inquires from my credit report. I have never submitted an application for credit and these two bureaus refuse to remove the inquiries these inquiries are ruining my credit health. I have submitted several 609 letters requesting this inaccurate information be removed. In addition to the correction of my personal information being reported inaccurately on these two bureaus respective reports. It is my goal to have these unauthorized, inaccurate and fraudulent inquiries and information removed from my credit report under the articles of the FCRA.
Consumer complaint received 2021-03-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : EQUIFAX RESPONSE OF CLAIM XXXX EQUIFAX RESPONSE : The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. 

ORIGINAL COMPLAINT XXXX : XXXX  and Transunion refuse to remove these fraudulent, inaccurate, and unauthorized inquires from my credit report. I have never submitted an application for credit and these two bureaus refuse to remove the inquiries these inquiries are ruining my credit health. I have submitted several 609 letters requesting this inaccurate information be removed. In addition to the correction of my personal information being reported inaccurately on these two bureaus respective reports. It is my goal to have these unauthorized, inaccurate and fraudulent inquiries and information removed from my credit report under the articles of the FCRA.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the account.
Consumer complaint received 2021-03-13
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. (MO)

The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the account.
Consumer complaint received 2021-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

SLS is the servicer of the mortgage with CMC Funding. I had a check from the insurance company for fund to fix my house after a hail storm. The check was made out to myself and CMC Funding. I called to get information on where to send the check and SLS would not help me without me giving them the last 4 of my SS # over a cell phone, which is a very dangerous thing to do. I was only asking for generic information that is not specific to my account but they refused to help me. They also lied to me to say that they could help me if I gave them my account number ( which I did ) and then they went back to they couldn't help me unless I gave them my SS #. I asked to speak to a supervisor, they left me on hold for a half hour and then came back to the line and wanted my SS # again. On top of all this, the lady on the phone continually spoke over me, which was very frustrating. And address should be a simple thing to give out. As well they should be able to tell me how long I had to send the check I registered on their system ( ie, 30 days, 90 days, etc ). This is a policy question, not one specific to my account.
Consumer complaint received 2022-12-29
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true XXXX accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-03-13
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: CAINE & WEINER COMPANY, INC. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.