davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (IL)

Phoenix Financial Services sent a notice dated XX/XX/XXXX, trying to collect on a debt that was incurred back in XXXX. Today XX/XX/XXXX I received a phone call from the telephone # of XXXX, still attempting to collect a debt that is 7 years old.
Consumer complaint received 2020-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (GA)

Recently, Debt Recovery Solutions reported two medical bills on my credit report for {$980.00} and {$610.00} respectively. I was completely unaware of any outstanding medical bills that were owed, so as soon as I saw these accounts appear, I wrote to the collection agency and requested more information about where these debts came from. I asked them to send me the name of the medical facility where these debts orginated, the dates that the supposed services were performed, what procedures were performed, and if my health-care provider was properly billed. Well over 30 days have passed, so I can only assume that the collection agency can not provide this information.
Consumer complaint received 2017-12-14
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. (NV)

I have credit inquiries from Equifax and XXXX that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud. 
1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

I have sent out several disputes to each of the credit bureaus :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, and Experian and have yet to hear back from any of them. I have inaccurate items reporting on my credit and have been sending disputes since XXXX. I have yet to receive any results or correspondence from them saying they even acknowledged my disputes. Under the law the have to respond back to me!
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm a victim of identity theft someone stole my identity and did some really bad things using my personal information they open Accounts without my consent stole money from my bank Accounts and now this, please help me Resolve this matter ASAP thank you
Consumer complaint received 2021-10-12
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: Absolute Resolutions Corp. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2017-12-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZARVAD III S.A. (TX)

Several calls every day to myself and other family and friends regarding a loan that I never received. I applied online years ago and never was told I was approved. Then I found out they had tried to deposit it into an old checking out that had to be closed. I never received the funds and I have told them several times over the span of more than 2-3 years. They threaten me saying I am going to be served at work, say they will garnish my wages. Every time I am told that I have to pay that day but its a different amount every time.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

i used to have my weekly paycheck direct deposited to FNB of PA approximately {$2000.00} ... from which i pay my monthly bills. In XXXX and XXXX of this year the bank paid only half of my bills and declared my account closed. returning the checks and not paying the bill was only part of the troubles ... they didnt return my money. youd think that at least with the account closed my money would be there.and not only that, all the bills nit paid charged me late fees and it dinged my credit ... please help me
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I have sent out several disputes to each of the credit bureaus : XX/XX/XXXX, Equifax, and XX/XX/XXXX and have yet to hear back from any of them. I have inaccurate items reporting on my credit and have been sending disputes since XXXX. I have yet to receive any results or correspondence from them saying they even acknowledged my disputes. Under the law the have to respond back to me!
Consumer complaint received 2020-04-16
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} BANRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2017-12-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is additional information, copies of invoice which were wrong doing within, referred to case number XXXX XXXX, I submitted to CFPB on XXXX XXXX, XXXX
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Opened an account on XX/XX/XXXXwith Santanders promotion to receive {$220.00} after 90 days after meeting terms, ( Receive a {$220.00} bonus by opening an eligible new checking account with the promo code XXXX and doing the following : Receive direct deposits totaling at least {$500.00} within the first 90 days, AND Keep your account open for at least 90 days. ). Direct Deposit Orin the amount {$500.00} was credited to the account on XX/XX/XXXX. It has been 6 months since account opening and the bonus was never received after agreeing on promised terms.
Consumer complaint received 2020-11-02
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. (MO)

The following accounts do not belong to me, therefore I'm asking for the removal of these accounts. 

1. US Dept ED 2. Dept ED XXXX 3. US Dept ED 4. Dept ED
Consumer complaint received 2017-12-14
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. (NV)

This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. XXXX showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.
Consumer complaint received 2017-12-14
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. (IL)

I have tried to contact the company regarding my report numerous times! I was a victim of fraud and my information was compromised during the XXXX breach. Ive had multiple inquires that were NOT authorized by me and wrong information on my report that needs to be removed. Ive tried contacting the creditors and Ive gotten absolutely nowhere. My last try was to contact XXXX! After multiple attempts and being transferred over 4 times with TU they told me to contact the creditors. After reassuring them that Ive contacted them multiple times they still refused to help! I have NO record of any accounts with the creditors and I am to the point that I am no longer willing to contact the creditors because I have no relationships or contracts with them! It is the credit bureaus responsibility to validate that all inquiries and accounts report on the account are true which they are NOT! This has gotten out of hand and has gone on too long. I need results!
Consumer complaint received 2017-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

This complaint is being submitted on behalf of the borrower 's advocate. 

Borrower defaulted on her mortgage payment on XXXX 2017. She requested an application for mortgage assistance in XXXX 2017. Servicer agreed to send her the application, but she still has n't received it. She has been calling them for an update and is on hold for over 20 minutes or the calls are disconnected.
Consumer complaint received 2021-10-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (TX)

I am working with a company that pays me a regular rate plus an additional stipend amount every hour. The underwriter of the company did not want to include the stipend because they didn't understand the terminology. All other lenders and banks that I have applied for personal loans, credit cards, car loans have taken my earnings with the stipend included except this Lender Caliber Home Loans , Inc . Even, after I reached out to my corporate offices, VP, HR Manager and they wrote a letter stipulating that such earnings were taxed and part of my everyday hourly pay. They refused to do that as the additional income required for me to close this loan and purchase my first new home. At first, purchasing my new home was exciting enough that at the start it seemed to be going pretty smooth. But once this was at the hands of the underwriter it was virtually impossible to close as part of the conditions was my income. Which all of my documentation shows that my income is very well qualifying me with other lenders and I am won't have any problems closing soon with a different lending competitor. However, I do want to submit a complaint as I felt that this stressful situation was unnecessary if they would have simply taken the information pertaining to my income that is coming directly from my employer and my verification reports that were provided. I felt angry, stressed, and even ill at one point as no matter what I would send to the underwriters and executive team at Caliber Home Loans , Inc would not get past, " what is stipend ''. This was the continuing battle between the lenders and me. I wish that they help others in the future and the reason why I am submitting this complaint is to stop this type of discrimination or lack of understanding when all of the data was presented to them without any question. I am currently withdrawing from this lender Caliber Home Loans for that reason and have received approval from a competitor with no issues accepting my earnings including my STIPEND that Caliber Home Loans, Inc could not accept after all documentation showed it was part of my hourly, bi-weekly, quartile and yearly income.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (AZ)

Hello! I sent a certified letter twice to credit collection services requesting them to validate debt they reported to my credit their claiming is mine & i have got no response. Im requesting this debt to be removed from all three credit bureaus due to me not owing debt and company not being able to validate its mine.
Consumer complaint received 2024-01-29
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. (CA)

Experian credit report is reporting negative adn incorrect information on my credit report I have disputed this many times and sent in the necessary documents for removal as well as filed police reports and identify theft reports the accounts are still being reported, and experience has not corrected the issue. 

XXXX XXXX  THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME XXXX XXXX XXXX XXXX THIS CARD AND ACCOUNT AND balance do not belong to me
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

i have a statement balance of XXXX ( i over paid ) they sent me few bills at the time and I paid all One was a combination of prior bill that payment was crossed in the mail I have the statement where they state owing me these monies ..a negative balance Been waiting for check but never received I just called and when I put in my social security number they have recording stating i closed account ( which I did not ) they closed in person stores System will not allow me to speak with anyone JUSTICE credit card
Consumer complaint received 2021-04-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a letter fro this company around XXXX XXXX. I send them a statement that the Debt wasnt mine back in XXXX XXXX. I was told to contact the original company by Midland. After been the run around. I had a statement add to my credit file. This has been on my credit report for over 7 years and still reporting negative on my credit. I need help with getting this removed. Its has passed all laws on the time it can still report.
Consumer complaint received 2020-12-01
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. (FL)

On XX/XX/2020 I've sent a documentation regarding to those unknown and inaccurate account I found on my report. I demand to deleted those accounts or I will file a litigation. Its over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach.
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield and Associates sent me a bill in the mail. On the bill it stated that one of the accounts was from 2006. Which is over 14 years ago. The statue of limitations is up on that debt. Wakefield Associates never verified or sent any requested information pertaining to the debt. For the debt over 14 years ago they are in direct violation of the FCRA. They are also in violation of the FCRA for not validating that the debt is accurate or that they actually have the right to collect on it.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (VA)

I recently pulled my credit report and I see that I have some unauthorized debt reporting on my credit report I believe this is Identity theft because I absolutely do not know where this debt came from thats reporting on my credit report I am honestly disturbed barely by this
Consumer complaint received 2021-10-12
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. (TX)

Experian shows several inquiries on my credit file that I didnt authorize. 

These are XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 TXXXX XXXX XXXX XXXX These were not approved and I was not contacted Additionally there is an Address on my credit file XXXX XXXX XXXX that Ive never lived at.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

my mortgage loan has been sold or transferred to another company. during this process it appears that they somehow lost an escrow payment. I have had this loan open for over 6 years and never missed a payment. I escrow monthly for my property taxes. I received a letter telling me that I am {$2500.00} short in my escrow account and either have to pay my mortgage servicer {$2500.00} now or they raise my payment to cover this difference. I did not have {$2500.00} to cover this shortage and there SHOULD NOT BE A SHORTAGE since I pay my mortgage and never missed a payment. I called the escrow department, showed them proof that mortgage payment was never missed, the escrow department acknowledged this fact, yet they stated I still needed to continue to pay an extra {$200.00} per month that I can not afford or they will not accept my payment, essentially forcing me into default if I do not comply with their demand. I asked for them to put my escrow on hold while they investigate, they refused and told me if I want to stop escrowing for taxes I would need to login on their site and make a request. They told me it would take over 1-3 months to do an analysis and figure out where they lost my money to pay my property taxes and while they try to figure this out, I am forced to pay an additional {$200.00} per month or go into default if I can not afford it. I am XXXX years old, I live on social security and I am now forced to not pay other bills in order to maintain my current status on my mortgage. This is an absolutely egregious error on their part, they listen, they agree I'm right, but because they can not figure out why they lost a payment due to a transfer of servicing, they are putting the onus on me to pay for their incompetence and mistakes.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (IA)

I received a debt letter from a 3rd party company that was sold debt by XXXX. My account had been closed with XXXX because they locked it saying I had an inappropriate caption on a photo. They can't require me to pay membership fees for an account I can not access, so I set up a block on my bank account to stop the fees coming out. I have no business relationship with this 3rd party who was sold debt I don't owe, so I am not paying it.