davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

On XX/XX/2020 a collection account appeared on my credit reports from PHOENIX FINANCIAL SERVICES for a supposed debt of {$1900.00} to XXXX  XXXX XXXX. This account states it was placed for collection on XX/XX/2020. I have no recollection of this account. I have not been to that particular hospital in over 4 years. At that visit my services were covered by my health insurance.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

My XXXX XXXX Bankruptcy started in XX/XX/XXXX, Account no : XXXX and it was removed from my Equifax credit report in XXXX, XX/XX/XXXX. In XXXX, XX/XX/XXXX it was placed back on my credit report now showing a different name. IL FED Bk CT-East XXXX XXXX. Account number is still XXXX.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NY)

On XX/XX/XXXX I received a phone call from IQ data international Inc [ phone number : XXXX ] a debt collection agency inquiring about an open debt in Florida where I appear as the debt owner or co-signer of {$12000.00} related to a moving service or a storage facility back in XX/XX/XXXX in Florida. I explained that I have never lived nor know anyone in Florida and that I didnt recognize the debt she was referring to. She started to request my mailing address that I didnt disclose and she tried to convince me that the call was legitimate by saying my XXXX ( which was correct but she could have search on social media ).
Consumer complaint received 2016-12-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (RI)

I had a lease terminate with Ally Financial. I did not believe that I owed them anything but agreed to pay them {$50.00} a month. They put the account in charge off even though I continue to pay. This act lowered my credit score by over XXXX points. They are wrong to do this.
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (CA)

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was victim of identity theft and there are unauthorized hard inquiries on my TransUnion Credit Report :XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX I was victim of identity theft and there are unauthorized hard inquiry on my XXXX Credit Report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

On XX/XX/XXXX, my wife and I applied to refinance our existing mortgage with PenFed Credit Union and received an initial loan estimate. Section C of the loan estimate listed the following fees as fees that we can shop for : Title Service, Settlement Fee and Overnight Fee. My wife and I promptly informed PenFed on XX/XX/XXXX that we would like to shop for all 3 services and informed PenFed of who would be satisfying the services. On XX/XX/XXXX, my wife and I received another loan estimate from PenFed and those fees noted above were all listed under section C, still. On XX/XX/XXXX, PenFed sent my wife and I an initial closing disclosure where the Title Service fee was listed in section C but the Settlement Fee and Overnight Fee was migrated to Section B, the section where fees are listed that we can not shop for. My wife and I promptly contacted PenFed and we were told that we can use our own settlement attorney or an additional fee but my wife and I would still need to pay the settlement fee for PenFed 's attorney. My wife and I contested this decision since this was not what we were informed of and contradictory to all communications throughout XXXX and XXXX with various representatives at PenFed. Moreover, the Overnight Fee was not a fee to be collected by my wife and my attorney. XX/XX/XXXX my wife and I receive an updated final closing disclosure that includes a lender credit to cover the XXXX XXXX for PenFed 's attorney but there is no lender credit for the Overnight Fee ( {$90.00} ). Additionally, there's a new fee ( {$60.00} ) to cover the cost to satisfy an old lien that PenFed left outstanding on my wife and my home. My wife and I promptly contacted PenFed and we were informed via verbal communication and email that we should close the loan and that the concessions for the {$90.00} and {$60.00} have been submitted and that following the closing, my wife and I would receive a refund for those fees. My wife and I closed on the refinance of our home on XX/XX/XXXX. XX/XX/XXXX, my wife and I contacted PenFed to inquire about the refund of those fees and we were told that the {$60.00} wouldn't be credited because this was a fee that they believe they shouldn't cover and the {$90.00} overnight fee will not be refunded since the fee was migrated from section C to section B and my wife and I closed on the loan knowing these fees were chargeable. Albeit small fees, it is wrong that PenFed deceptively listed the fees as those we can shop for then conveniently slides the fees to the section of fees that can not be shopped for. We believe this was intentional and that it's important for other consumers to be aware of these financial practices and lack of transparency from PenFed.
Consumer complaint received 2020-10-07
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. (AZ)

I have a problem with my credit report, and I submit a complaint with the credit bureaus such as XXXX, XXXX  and Experian, but they did nothing. The inaccuracies are still in my credit report and my credit score is getting lower.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, Transunion and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my TransUnion credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with TransUnion Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX TransUnion has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.
Consumer complaint received 2017-05-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NY)

I am having a very difficult time making my private student loan payments through   XXXX   XXXX  . They offer little to no repayment plans that fit my budget. I am on the interest-only repayment plan, but when I checked my statement it said that I was on an income-sensitive plan ( which the company does not actually offer ). When I spoke to a representative about it today (  X/X/17    @  XXXX  ) he said that I could not submit pay stubs to determine my " income-based '' repayment plan because they do not offer one. I feel this is false advertising and gives false hope to a struggling borrower.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Collection Accounts identified as ( XXXX XXXX ) on my Experian Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked Experian to delete these accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as of todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the Collection Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, Experian needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports.
Consumer complaint received 2022-01-05
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: DISCOVER BANK (NY)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine. 

experian 1. XXXX Account Number : XXXX This is not mine. 

transunion 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (DC)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2016-06-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Team Recovery Inc. (OH)

Team Recovery has a collection on my credit report that is paid off and should be removed. Per debt pay off agreement, Team Recovery did not remove the negative derogatory collection debt info from all XXXX credit reporting agencies after account was settled. I called them many times about them to be fair and remove the collection and they never did. Now, Team Recovery is continuing to report to collection bureau every month as if it is n't paid and is adversely affecting my credit.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

AFTER ALMOST 6 MONTHS, XXXX FINALLY DISCHARGED MY LOANS THROUGH XXXX. NALNET ADVISED ME THAT NAVIENT WAS NOTIFIED AND I HAVE CALLED, FAXED AND EMAILED THEM WITH THE DISCHARGE APPROVAL FROM NELNET AND THEY HAVE NOT ACKNOWLEDGED RECEIPT OF ANY INFORMATION TO THAT AFFECT. MEANWHILE, THEY CONTINUE TO TAKE AUTOMATIC PAYMENTS FOR THE LOANS FROM THE BANK AND IN ADDITION, I AM IN NEED OF FINDING A PLACE TO LIVE AND MY CREDIT REPORTS REFLECT A LARGE AMOUNT OF STUDENT DEBT AND I AM BEING DENIED HOUSING BECAUSE OF IT.
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

After a 19 year customer BofA my card was canceled with no notice. I never had a late payment. After returning from XXXX Army XXXX I XXXX am not able to enter a crowded store and was able to purchase gas at the pump outside with my credit card. My car number is " ******************* ''. Any explanation would be greatly appreacheaded. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, KY XXXX
Consumer complaint received 2016-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC. (CA)

I am enrolled XXXX in college I filed for a XXXX student deferment. When enrolled in classes the ECMC place my loan in default. They now have harass letters and refuse remove loan default status. The ECMC verified I am enrolled XXXX and still harassing me.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TN)

My mortgage is with Caliber Loan, I received a modification though Caliber. I was making my monthly mortgage payment by cashier check. But they still foreclosed on my home, of which they recently foreclosed XX/XX/2016 and I was making the monthly mortgage payments. I 'm still living in the property. I received correspondence from XXXX stating they were going to foreclose on my property. I was not given the appropriate XXXX notice that is required by XXXX law prior to the foreclosure sale. It is a misdemeanor not to give the appropriate notice prior to foreclosure.
Consumer complaint received 2022-01-05
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: Experian Information Solutions Inc. (VA)

I scheduled my XX/XX/XXXX payment on XXXX XXXX 's App portal to be deducted from my bank account on XX/XX/XXXX for {$660.00}. My bank notified my husband on XX/XX/XXXX stating that XXXX XXXX tried to debit the account for the late fees plus payment due on the account for the month for {$3000.00} on XX/XX/XXXX 4 times in XXXX day which caused {$120.00} in bank fees for insuffcient funds. Mine and my husbands account on XX/XX/XXXX had a total of XXXX to cover the car payment that we've consistently paid {$660.00} on or about the XXXX of each month for the car loan payment. The bank stated that XXXX XXXX resubmitted the same payment for {$3000.00} on XX/XX/XXXX, and XXXX XXXX time each. We sustained a total of {$60.00} for insufficient funds fees. We processed an online portal to XXXX XXXX requesting to cease processing any amounts in excess of the {$660.00}. The response was to contact my bank to place a stop payment. After {$550.00} in nsf fees we placed another online payment and made a complaint with ally stating they caused my payment to fail and be late. On XX/XX/XXXX XXXX XXXX reported a 30 day lateness on my credit file on Experian. I want my credit report corrected and the 30 day late payment removed. This will hinder me from closing on my new home due to their computer breach and error. 
On XX/XX/XXXX my husband spoke to XXXX XXXX Reps, XXXX, who submitted a ticket to remove late fees and XXXX, in customer service, who refused to submit a ticket to correct my credit report.
Consumer complaint received 2022-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc. (TX)

This was allegedly an amount owed to an eye specialist ; however, I had no outstanding debt to the provider. After my physician left the practice, probably a year or so after I was seen, I was billed {$130.00} out of the blue through a collection agency. Again, I had NO balance due to the provider after my procedure as I had paid all charges. Now, the collection agency is maintaining their negative reporting on my credit reports, although they show it as paid. I dispute the amount was even owed, but likely paid it when refinancing my mortgage in 2019. 

They have not provided me with any proof that the amount was even owed, especially in light of the fact that this was sent to collection at least a year after services were rendered and NO BILL was received by me ; therefore, this account should be completely removed from my credit report. Theirs is the only negative mark on my credit.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions. (FL)

On XX/XX/XXXX, me and my late husband bought a house in XXXX, Florida. When we moved, the house came with all the kitchen appliances, that we chose at the time we close the contract. In XX/XX/XXXX, I received a communication from XXXX XXXX XXXX that I owed {$3900.00} from a loan to buy appliances at XXXX XXXX XXXX around the year XXXX. I never gave my information neither to XXXX XXXX XXXXXXXX nor any other corporation for a loan to buy appliances. The price of the house that we bought included all the appliances and as of this date the house has the same appliances as the day we moved. The House was payed in full in XX/XX/XXXX, and I did not incurred in any other debt whatsoever. At this time FBCS , Inc is the company that is contacting me with the purpose of collecting the fraudulent debt.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (UT)

XXXX : IQ Data International harassed my mother in law for my information XXXX : I contacted IQ Data International and the collector lied and said if I put a card on file it would buy me time to make the payment. I was never provided written information regarding this debt and was never informed about a dispute process. I did inform the agent I was unemployed at the time but was starting a new job in 2 weeks. 
XXXX : Called to set up payment for a week later than previous discussed and was told I could not due that after being told I could set up a different payment arrangement with my husband. Asked to cancel the payment and was denied. Asked to speak to the manager. XXXX, the manager, threatened to call my husbands employer and garnish all his wages. He used foul and threaten language when I attempted to schedule a full payment. Called me incompetent and hung up on me.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I received a bill/balance account for {$95.00} from XXXX XXXX XXXX - Chase Credit Card that I have never received/used this credit card. 

I called Chase to XXXX XXXX XXXX XXXX, customer service is not working for this kind of issues.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Consumer complaint received 2022-01-05
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. (LA)

I am filing a complaint again as my right under FCRA and fair credit and billing act and HIPPA privacy have been violated. I have for several months trying to get TransUnion to resolve these collections below and the end of the complaint. I am filing a complaint again as there have not been any answers back from TransUnion as I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to TransUnion to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. TransUnion has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX to make inquiry. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to TransUnion to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. 

Collections XXXXXXXX XXXX XXXXXXXX Opened XXXX {$140.00} XXXX XXXX XXXX Opened XXXX {$570.00}
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

i for got my back pack on a city bus, when i realized I left it on the bus with all my credentials I called the transportation department to no avail. I called my bank Bank Of America and notified them of my loss they said they would freeze the account and that I would have to re-open a new account to prevent identity theft. I only had a few dollars in there so I did n't worry about it. 
on my next payday I went to try to open a new account and was advised of a returned Item. 
and from there on I havent been able to clear this matter.