davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CO)

RE : Barclays Bank of Delaware Acct : XXXX Erroneous Closed Account and Improper Credit Reporting XX/XX/XXXX, Barclays closed my credit card account without any notice and shut down access to my online account preventing me to obtain any statements, etc. 
I had not been using this credit card account as I was traveling out of the country and left this particular card at home ( not to incurr foreign transaction charges and for safety ). All my credit cards are also setup for auto pay. Upon return from my travels, I tried to utilize the card to book travel and was declined which alerted me to an issue. I then found I was not able to log into Barclays website to see what was going on in my account.

Called the company after several transfers was told by the representative who barely spoke English that the account was closed by Barclays due to our " XXXX BK filing ''. I explained that we were forced to go Bankrupt in XX/XX/XXXX and had never missed a payment since and certainly not to Barclays or any other company. Further note no such bankruptcy appeared on my wife 's credit and she has Barclay cards. He refused to talk to me. We lost our significant points with Barclays but more importantly our credit was damaged. 
We ordered our credit and found the XXXX report included this account as having been closed due to a false XX/XX/XXXX Bankruptcy. We sent in correction request to XXXX which has gone without response from Barclays or XXXX. We have been denied other credit cards and this negative has affected my credit score which affects all my credit lines. 
I am now in the process of a home purchase and again found this erroneous entry on my report. I don't know who caused the error Barclays or XXXX sending wrong data to Barclays. Either way neither company corresponded with us before closing the account or since in response to our request for correction.

I had thought the issue being clearly a mistake was working its way thru experians system and would be corrected and honestly forgot about it until I applied for a home loan last week.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Hello, XXXX XXXX is reporting a 30 days late payment on my credit report for XX/XX/2018. I already addressed this issue. Sent them the bank statement showing the money was withdrawals from my account on time on XXXX. 

Because of this, I am now having hard time to get mortgage. The account # of XXXX on my credit report is XXXX. I also disputed to the credit bureau 2 months ago, so far nothing has happened. Please help me. Because of this, I am getting denial for mortgage.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

On XX/XX/XXXX I received a response from XXXX XXXX but they have not resolved the issue. Below is my feedback : Please note, this is the first time I get a response in detail. I have constantly contacted your office about the {$920.00} and GAP insurance. I even reached out to the dealership and they explained it should have been covered by GAP. 
The last time I contacted your customer service department was on XX/XX/XXXX and spoke with agent XXXX, he explained the same as I mentioned in my complaint. He even opened a new dispute and sent it for review to the department that handles credit reporting. He also provided me with GAP 's customer service number to dispute the {$920.00} amount, the number he gave me is XXXX XXXX XXXX. Please review your system for notes about this discussion. 
However, based on your response, I now understand the information provided by your customer service department and total loss department has been incorrect, which resulted in the delay of the {$920.00} amount. Please put into consideration that my account with XXXX has always been in good standing, I have never defaulted in a payment. 
At worst case, the {$920.00} payment was delayed by two months, why it is been reported as charge off rather than late payment?? 
I ask you to please review all my discussions with your customer service department and my several attempts to understand that last pending payment of {$920.00}. 
Please note, this incorrect charge off in my credit is putting a halt in a car loan I am trying to obtain through your financial institution. I urge you to please look into this matter as soon as possible. Thank you for attention.
Consumer complaint received 2018-06-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Acceptance Inc. (GA)

I've wrote two letters to UNITED ACCEPTANCE for proof of a debt that have no recollection of that reporting on my credit report and never received any proof and is still reporting on my credit report. Required under the Fair Credit Reporting Act to have copy of the original documentation on file to verify the debt is mine. United Acceptance have not provided me any original documentation as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). They sent me two letters back saying that they verified that the debt is mine but no documentation. They proceeded by sending the debt to XXXX XXXX XXXX and now they are reporting the same debt on my credit report and also contacting me about the same debt.
Consumer complaint received 2018-06-25
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. (NV)

Since XX/XX/XXXX I have paid child support to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. The account was listed as active and last accessed late XX/XX/XXXX. It has come to my attention via recent activity on my credit report that XXXX XXXX XXXX XXXX XXXX has opened a case as of XX/XX/XXXX. This means that 2 child support cases were opened and being acted upon at the same time. 

To date, I have received no information from XXXX XXXX stating that my child support case has been closed or transferred. I ask that the XXXX XXXX XXXX XXXX XXXX item be removed from my credit report until XXXX  XXXX provides an audit of all payments received from XX/XX/XXXX to XX/XX/XXXX along with a refund of all funds collected after XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX has not provided me with official documentation detailing why this account was opened or when and how the balance was determined in the purported transfer. 

XXXX  XXXX XXXX XXXX XXXX is harming my credit report with late payments that accrued while I was unaware of these activities and still attending to the open XXXX XXXX case. This dept. is currently receiving payments. XXXX is displaying an inaccurate balance owed because my IRS tax refunds over {$2000.00} have been intercepted but it's unclear which of the open cases have collected those funds between XXXX and XXXX. In any event, there should no more than {$1500.00} owed. 

XXXX must supply any and all documentation it received from XXXX  XXXX if this is a legitimate account.
Consumer complaint received 2018-03-11
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. (MA)

I talked to XXXX XXXX XXXX XXXX about a car loan that was on my Equifax credit report that I never had But my XXXX does ( auto loan ) so I wonder if it could be her
Consumer complaint received 2018-05-25
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. (OH)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX XXXXXXX Date Opened>>>>> XX/XX/2009 XXXX XXXX XXXX XXXX Date opened>>>> XX/XX/2009
Consumer complaint received 2018-05-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NY)

GE MONEY now SYNCRONY I purchased Furniture from XXXX in XXXX NY. XXXX XXXX XXXX went into collection. TO avoid a judgement I entered into payment agreement in XXXX. Payments were mad in full. No judgement was ever placed. somehow in XXXX this is STILL a revolving account on my credit saying it has been in collection since XXXX. They claim to have contacted me in XXXX stating I owe. what happened to XXXX, XXXX, XXXX? Someone sold my account as debt when it was already paid. I have been all over the internet and I see that GE has been having record keeping issues over the years and I know that this is a mistake. I have agreed to all debt and paid all delinquencies on my current report except this! PLEASE HELP ME!!! I asked to have it disputed. How is this even possible? why did they not file the judgement if I failed to pay? how can an account be in collections and still be revolving as not being paid monthly? this is literally a nightmare!! PLEASE HELP. 

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX
Consumer complaint received 2018-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affiliated Management Services (NC)

I have contacted XXXX several times letting them know that they have reported the same bill twice to XXXX XXXX. Also the bill has been paid by Medicaid after contacting XXXX XXXX XXXX they claimed to have reported payment to XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Medicaid paid back to my XXXX on XX/XX/XXXX
Consumer complaint received 2018-05-25
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. (NY)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XX/XX/2013
Consumer complaint received 2018-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

In XX/XX/2018, I submitted income information to XXXX XXXX for my husband and I. We both have student loans and both are serviced by XXXX. With our income driven repayment plan, the payment amount is supposed to include our combined debt with our combined income. My husband 's monthly payment went up slightly, as expected with a slight increase in our income in the last year. My monthly payment more than doubled from {$250.00} to over {$500.00}. When I contacted XXXX, it appears that while my husband 's was calculated correctly, mine was not. It did not include the combined loan debt and combined income in the calculation. I spent over an hour on the phone and it will take several weeks to get resolved. I work in XXXX XXXX and am very familiar with the process and knew what our estimated combined monthly payment should be. For someone not as familiar, this mistake could result in someone not paying their loans or not knowing how to proceed or what questions to ask. I encourage all student loan borrowers in income-based repayment to be aware of the recalculations ; if your income increases slightly, your monthly payment should correlate.
Consumer complaint received 2018-05-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

XXXX/XXXX XXXX transferred a mortgage that had been paid in full and released a XX/XX/XXXX mortgage with XXXX that had already been released. We continued to pay XXXX under threat of foreclosure until they released a XX/XX/XXXX mortgage that was also released twice. Now we are transferred to SPS also under threat of foreclosure for a brand new loan no one ever gave us.

1. They are collecting {$8700.00} for {$6900.00} Taxes and insurance 2. In XX/XX/XXXX there was a new loan set up that no one gave us and charged us a {$450.00} late fee.

The only explanation is that the loan started over. - what does this mean? What is this loan?
Consumer complaint received 2018-05-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WRJ Holdings, LLC (GA)

Original loan was in XXXX. XX/XX/XXXX received a text saying a warrant for my arrest was being done for non payment. Loan didn't maturectil XX/XX/XXXX so it wasn't even past due as of yet. I have since lost my jonmb so can't pay. They say I owe XXXX, XXXX and something dollars, so balance has increased instead of decreased. I have since learned that my contract is illegal. They are charging 152.08 % annually which is over the 12.5 % cap on pawn transactions. Have relied my truck and said selling. So far, no resolution. They will not budge. Want my truck back.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Diversified Consultants, Inc. (FL)

Diversified consultants/collection company reported false information about a debt they were trying to collect for a phone bill. I repeatedly told them it was not mines. I disputed with credit bureau and even asked to have this removed without proper documentation, no contracts no signatures. company threatened me so i agreed to pay the debt letting them know still it wasnt mines and that they would agree to take it off my credit report by paying for a pay to delete option. i paid the balance of {$300.00} and did not receive no receipt or documentation to delete the file. they have still been reporting me to the credit bureaus. they will not speak to me about this matter. Ive made call and disputes for months with them hanging up in my face or not responding to me claims.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

2 of the 3 Credit Bureaus, including Equifax and XXXX, restrict passwords for personal access to your account to only 9 Numeric-only characters. 

In this age of data breaches, it is completely unsafe to use a short numeric only password.
Consumer complaint received 2018-05-25
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: Clear Debt Solutions, LLC (WI)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX LEAVING A MESSAGE ON MY CELL INDICATING THAT THEY ARE INVESTIGATING A MATTER IN THEIR OFFICE. THEY NEED TO CONFIRM MY PHYSICAL ADDRESS AND PLACE OF EMPLOYMENT. IT IS MY RIGHT AND OBLIGATION TO CONTACT THEM IN REFERENCE TO MY LEGAL RIGHTS. REFERENCE CASE NUMBER XXXX. THE CALL IS A PRE-RECORDED MESSAGE FROM XXXX AND SAME MESSAGE FROM XXXX. IT SAYS THAT FAILURE TO RESPOND WILL RESULT IN THEM CONTACTING MY LOCAL LEGAL OFFICE. ON XX/XX/XXXX THEY LEFT A MESSAGE 2 TIMES. THEY DO NOT SAY WHO THEY ARE AND I HAVE NOT CALLED THEM BACK. THEY NEED TO STOP CALLING. THEY ALSO CALL MY MOTHER-IN-LAW AND LEAVE HER MESSAGES FOR ME. I DON'T EVEN LIVE THERE. THEY GOT THAT NUMBER WITH MY NAME ASSOCIATED TO IT OFF THE INTERNET. HOW DO I STOP THESE HARASSING PHONE CALLS?
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

XX/XX/XXXX : I applied for a mortgage modification. I submitted all requested documents along with a detailed letter explaining my circumstances.

XX/XX/XXXX : I received a past due letter from Bayview. This letter also stated they tried to reach me via phone and I was unavailable. This is not true. I ALWAYS have my phone with me and am available day and night. Ive never received a call from them, missed their call or was left a message to return their call.

XX/XX/XXXX : I received a letter stating my modification was assigned to a specialized team. No individual names and no direct phone number to contact an agent.

XX/XX/XXXX : I received a letter from Bayview stating they needed 2 additional documents. These documents do not exist and I tried calling several times to explain why these documents are unavailable and was put on hold for over an hour each time, only to have the call dropped. I tried going though Customer Service as well but was put on hold and again, after waiting over an hour, the call was dropped. When I was unable to contact anyone by phone, I sent an email on or about XX/XX/XXXX and never received a response.

XX/XX/XXXX : I received a letter disclosing my credit score.

XX/XX/XXXX : I received a valuation report or appraisal prepared for my property.

XX/XX/XXXX : I received two more letters disclosing my credit score.

I tried on or about XX/XX/XXXX to contact Bayview again via phone and was again placed on hold over an hour and the call was again dropped.

XX/XX/XXXX : I received a letter via XXXX stating my modification application was denied due to not providing requested additional documentation.

I tried calling again today, both via Customer Service and through the phone number provided on the denial letter and again was not successful getting through. I believe I deserve to continue with my modification application and should be able to communicate with a human being throughout the application process as needed.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Upon my first time ever checking my credit back in XX/XX/XXXX, I noticed that there had been a hard inquiry on my credit, -now-removed- that I did not make, nor did I authorize. I had also noticed, that there was, and is currently an address on my credit report that I have never been associated with, and do not know of. 
Additionally, my birth date does not show up on my credit report. 
None of this could have possibly been me, as I was only XXXX years old at the time, and had never checked my credit, or applied for loans or credit cards of any type before. The reason that I had not reported this situation at the time of noticing the issue is that I was was not aware that it could be potential fraud, and had no further advisement as far as credit goes. 

Upon re-checking my credit in XX/XX/XXXX, now with more knowledge, I realized that there was still an incorrect address, no birth date, and that the hard inquiry had been removed from my credit report. However, I'd still like to dispute this and solve these issues. 

All in all, I've had an unauthorized hard inquiry, and still have an incorrect address, as well as a missing birth date for myself.
Consumer complaint received 2018-05-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Medical Management, Inc. (NY)

In XX/XX/XXXXand XX/XX/XXXX, I was hospitalized at XXXX XXXX XXXX  Hospital ( Original Creditor ), which is a charitable hospital subject to Section 1.501 ( r ) -6 ) of U.S. Code : Title 26 - INTERNAL REVENUE CODE, which proceeded with an  ECA - extraordinary collection activity by sending my hospital bill of {$1300.00} to a collection agency despite knowing I was eligible for their hospital FAP due to my income and knowledge that I was a recipient of Extra Help with my Medicare plan due to my XXXX and low income. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The hospital knew I was no longer living in XXXX   because I told them I was moving to XXXX AND my former roommate returned all mail to them. I was hospitalized from XX/XX/XXXX to XX/XX/XXXX in XXXX, and unable to receive any mail and did not have an address yet. Within one month of my release, the hospital, despite never actually contacting me, sent my bill to  XXXX XXXX who put me into collection AND raised the hospital bill to {$150000.00}. 

THE COLLECTION AGENCY ADDED {$140000.00} IN UNIDENTIFIED FEES AND CHARGES. 

THEY ALSO WOULD NOT VERY OR SEND ME ANY DOCUMENTATION OF THIS DEBT STATING I HAD TO GET IT FROM THE HOSPITAL. 
I have no documents or correspondence from them, as they refused, and the only proof I have is a credit report.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Phoenix Recovery Group (TX)

I made payment arrangement with Phoenix recovery group for a balance I had with a previous apartment complex. the person handling my case was a woman called XXXX XXXX. When I made the first payment XXXX refused to give me a receipt for my transaction. After I told her I was going to cancel the transaction if she did not give me a receipt she decided to send me one.  Today I called to make my second and final payment on my transaction. XXXX send me a receipt but on the receipt it never said paid off or anything. I told XXXX I did not feel comfortable with this receipt. She rudely said they needed to wait 48 hours before they could give me a letter saying its paid off. Neve explained why. All she said was that's our policy. She said " you've had this debt for 2 years and now you want to rush things '' She was very unprofessional I asked her to not get all hyped and she kept talking over me. She said if I didn't sing the receipt she sent me she was not going to send me a letter saying its paid off. She then said she was busy and needed to get another call. I told her she was being really rude. She then said with a rude voice she was going to transfer me to the supervisor. This women was very rude you can help me with this. XXXX XXXX direct line XXXX email XXXX. Her information