davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (NM)

Failure to Pay was brought to my attention on XX/XX/XXXX by a phone call from XXXX XXXX XXXX by XXXX. She said she was calling to collect a debt due to XXXX XXXX  for tests completed in XX/XX/XXXX in the amount of {$4.00}??. I told her I had no idea what she was talking about, I have never received statements for the above amount or from XXXX XXXX. She verified my address, which was correct but had the wrong apartment number. She had my email address and my phone number. She said it didnt matter, I still owed money. I thought the call was a scam at this point. She continued to try and collect over the phone. I told her I needed to see a detailed statement, and if I owed money I would definitely pay it, but not without a detailed statement. She said she would email the statement immediately at XXXX. I told her after I received the information and could verify the details I would make arrangements to pay this debt. I WAS NEVER EMAILED a statement, nor was a statement mailed to me, even though I gave her my correct apartment number. I was notified by email that my credit score changed due to a report of failure to pay. When checking XXXX   XXXX, which sent the notice, I saw that Phoenix Financial SE reported that XXXX XXXX XXXX XXXX was the original creditor and the open balance was {$550.00}! I do not recognize that name. I called XXXX to request a statement, I was told it was too late and she hung up on me twice! 
I received a second call on XX/XX/XXXX, this time from XXXX. She reported that I owe {$550.00}. Now its an E.R.visit from XX/XX/XXXX! I again asked for a detailed statement, assuring her that if I owed this debt I would pay it promptly, as soon as I verified its legitimacy. I asked if she would pay a debt she didn't know she owed without verifying it. She hung up on me. I have yet to receive a statement. Meanwhile my credit score has plummeted! 
Please advise me on this matter. Thank you for your assistance!
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$2900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID for identification purposes so the bureaus will investigate my complaint. ) I had GAP Insurance and all outstanding balances due were covered. ( I have attached a copy of my GAP paperwork for reference. ) The statement break down is as follows : Scheduled Loan Balance at Date of Loss : {$15000.00} Plus interested earned : {$19.00} Less Net Insurance Settlement : XXXX {$9600.00} ) For a TOTAL GAP payment of {$5400.00} Clearly the GAP payment more than covered the {$2900.00} that the bureaus are currently reporting. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2017-08-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Gotmortgage.com (CA)

We gave an approval letter to our borrower who made an offer to XXXX XXXX XXXX who is with XXXXor XXXX XXXX XXXX. The Listing Agent wanted us to talk to XXXX XXXX ( Preferred Lender of XXXX ). We gave all the documentation that they required to pre-qualify our client. XXXX XXXX, 2017 they questioned the buyer 's agent whether or not we can fulfill the pre-approval and can cover closing cost to the borrower. We later found out that the only way the listing agent will accept the buyer 's offer is if we use the listing agent 's preferred lender. We later found out XXXX is not a licensed loan officer and when asked by the agent he later said that he was the branch manager of XXXX. We also could not find an XXXX number for him. XXXX also has a their XXXX license revoked this year in XX/XX/XXXX. Subject property address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX.
Consumer complaint received 2020-10-21
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. (MI)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : US DEPT ED Account # : XXXX
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (CA)

On XX/XX/20, I had someone wire money out of our XXXX XXXX account to a bank account at Chime Bank. I've opened a fraud case with XXXX XXXX, and also reached out to Chime to try and figure out what happened. They had someone open a checking account under my name and withdraw funds as soon as the wires come in. I've tried multiple times to get ahold of Chime 's Fraud department to discuss the situation, figure out how the account was opened in the first place without my knowledge, and then close the account, but I've been unable to get ahold of them. Every time I called customer service, they would respond with " Fraud department representative will get in touch with you in the next 24 hours '', but they never have.
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (OH)

To Whom It May Concern, The reason for my dispute is DEBT RECOVERY SOLUTIONS # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) DEBT RECOVERY SOLUTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DEBT RECOVERY SOLUTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DEBT RECOVERY SOLUTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.DEBT RECOVERY SOLUTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-10-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (SC)

I asked many times for an itemized list of the things I was being charged for and they would not comply! Then the guy kept insisting I just go ahead and pay half without seeing a bill. When I told him I wasnt paying for anything without being showed exactly what I was being charge for he got rude and told me that I they would just keep harassing me and that my credit would be ruined until the bill was paid. I told the fellow he cant expect someone to fork over hundreds of dollars without being shown what exactly they are being charged for. Then the guy hung up on me when I asked to speak to some one higher up .... When I called back the number was disconnected and no longer in service. I call the number on the bill they sent me and its to a whole different collection company. The lady there tells me its not just one hospital bill I owe, it is quite a few. I owe thousands of dollars in hospital debt. I told her the bills arent mine and that she must have the wrong person and she got rude and told me it was my credit it would effect not hers. So I hung up on her and called the hospital where the bills were supposedly at and billing told me I have no accounts in collection there at all ... the one I did have in collection was paid in full last year by my insurance ... I then called the hospital where the original debt was from, the one I asked for the itemized list for and the hospital tells me that the account is paid in full. 

Now Im very worried because these people have my social security card and threatened to ruin my credit!
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX was notified that the account XXXX.XXXX. XXXX was not going to be removed, then requested reinvestigation and sent it for XX/XX/2020 and still have not gotten any results back. Also this account has never been VALIDATED OR VERIFIED. I would like for this account to be REMOVED IMMEDIATELY!! It is not fair that you treat consumers this way.
Consumer complaint received 2020-10-21
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. (CA)

I have file a police report for fraud on XXXX XXXX XXXX this is not my account I have told the bureaus that is isnt mine and they have not done anything to this day. I have also file a dispute for XXXX XXXX it is to old to be on my report and they havent remove that either.
Consumer complaint received 2020-11-17
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. (NY)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I'm sure you, I have never taken out these charges. I do not have access to the documents related to these accounts, but the creditors would.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

I have contacted Wells Fargo repeatedly about their unscrupulous practices and what appears to be fraudulent servicing of my loan. They have misapplied or not applied numerous payments throughout my loan in order to drive my loan repeatedly into foreclosure. Last year, I reported the same activity. I make payments. They hold onto those payments and don't apply them to the loan ; then they claim I didn't make the payment, which they were holding ; then filed a foreclosure action against me. The foreclosure, which was padded, was paid in full, based on their false claims. Then right after the foreclosure was paid, they started the same activity. 

In XXXX, I received a bill stating I owed {$840.00} odd dollars to pay off the loan in full. Rather than make two payments, I paid the entire amount that their website, phone and statement said was owed. They took the money, but didn't apply it. The next month, although I paid the entire amount the bill said was due in XXXX for the entire loan, they added another {$420.00} dollars and said I owed that. When I called and inquired, they claimed that they would look into.I paid that amount. However, they again claimed I owed more money, although I repeatedly paid the amount they claimed needed to completely pay off the prinicipal. Next time I called them, their phone rep admitted that they were holding the money and didn't apply it. They couldn't say it wasn't enough money because they were holding twice the amount of money that I sent them then they bill claimed I owed. They asked if I wanted them to apply the money. Why would I send money to pay off the mortgage in full if I didn't want them to apply it to the account. This same conversation has taken place each month for three months. 

They have repeatedly reported this bill late, although they are literally holding my money, more than what was owed, and falsely reporting it late. They are now threateing foreclosure on a bill that I paid off in full all principal due in XX/XX/2019. They are still holding my unapplied funds and keep generating new bills after I pay each one off. This company is crooked and taking advantage of consumers. I am miffed as to why the government continues to allow them to get away with this fraudulent activity. I have recorded every conversation with their reps and they admit that they have been holding my money and not applying it. Then they keep adding late fees despite me not paying late. But why would I keep paying the same bill off over and over again? 

Ask for the records of their website statement for the past six months and for the phone recordings that told me how much was due. Please determine why after I kept sending that amount of money stated in the bill, they didn't apply it, but generated a new bill.
Consumer complaint received 2022-08-06
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: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX ( OPENED XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-26
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: ENCORE CAPITAL GROUP INC. (MD)

Midland Credit Management XXXX. XXXX  XXXX XXXX XXXX, California XXXX XXXX : Account XXXX Dear Midland Credit Management, I am writing you about two violations with this account that I would like for it to be immediately removed from the credit bureaus. 

1 ) Statue of limitations this account is over 7 years old 2 ) No written notice prior to you all damaging my credit was sent out to me I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in ( Maryland ) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. 
This letter is your formal notification that I have filed a complaint with Consumer Finance Protection Bureau. Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident. 

XXXX XXXX XXXX
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch (IN)

I was a member of XXXX XXXX in XXXX In for several yrs while i worked. On or around XX/XX/2020 they hounded me that i had to sign a contract again or couldn't keep coming. So, signed it, then in XX/XX/2020 i started having some serious health problems and ended up losing my job. I had no money coming in, contacted anytime XXXX told them of the circumstances with my job and health issues. They then told me i would have to have a letter from my Dr saying i couldn't do the gym. My dr gave me a letter for them, i then Sent them by registered mail my key to the gym and the letter from my Dr. Never heard anything from them until i received this letter from a debt collector. Now their harassing myself and my wife by phone. I tried explaining to them and still to no avail. I am sending copies to you of registered letter and Dr letter. I feel  this is wrong in every aspect of the word.
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (PA)

The Company is Capio Partners. They have been harassing me about a medical bill that has been paid by my hospitals FAP plan. ( Financial Assistance Program ). This account seems to be brought out by 2 debt collection agencies and is appearing on my credit report. The hospital shows it was paid, but the debt collector does not have any information other than the charges, does not show breakdown of charges. dates, etc. This is effecting my credit and I do not want it brought out again by another debt collector.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NV)

This complaint is to address the misinformation on my credit report regarding my account with XXXX XXXX XXXXComenity Bank which states my account is in derogatory status when that is incorrect. 

I entered a payment agreement with XXXX XXXXComenity Bank when they sent my account to collections with XXXX XXXX XXXX XXXX XXXX ) to settle the account for {$820.00}. The payments were made in the following installments : {$100.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, and {$180.00} on XX/XX/XXXX. The original account number is XXXX. 

I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX at XXXX PST to confront this account and confirm that this account would be placed in PAID status and not derogatory, and this was confirmed by the sales rep on the phone named XXXX XXXX XXXX It is XX/XX/XXXX, and this account is still wrongfully marked as derogatory on my credit report despite me abiding to the agreed upon payment arrangement. 

The company 's response to my prior complaint is that they do not have an arrangement on file when I have recorded the specifics of our arrangement and made notes ( please see above explanation ) and I can also provide proof of payment via my bank transactions on those dates.
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (SC)

I have previously sent FirstPoint Collection Resources , Inc several requests to validate my alleged debt. Each time they have failed. 
I was contacted by XXXX XXXX and XXXX XXXX. They each have failed to Validate the alleged debt of {$780.00}. 
FirstPoint Collection Resources , Inc. are debt collectors and has failed to furnish a copy of the formal purchase agreement, and state how much was paid for the alleged debt. FirstPoint Collection Resources , Inc. did NOT Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt to their firm.

FirstPoint Collection Resources , Inc. does NOT own the account and therefore, we have no contract
Consumer complaint received 2017-08-07
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (CA)

Navient did not sent out notice that the debt was due until several months later, by then our interest was racking up. When I finally call them up and the lady on the line said yes your loan was due long ago and the interest now is $ XXXX. I have no choice but to paid the debt in full immediately so the interest stop racking up. I have paid the debt by now but now I just read an article about Navient being sue and I realized I am not alone. What can I do now? Thank you for your help. XXXX XXXX of XXXX, CA
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (UT)

Republic Finance is reporting late 's on my account. I just refinanced and don't understand why these late 's are notated on my account.I was never notified about being late and have never made a late payment on this account.