davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
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. (CA)

Midland Credit Management is reporting a collection in my name that isn't mine to both XXXX, XXXX, and XXXX I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I was making a payment in full to pay off the balance of my Synchrony Sam 's Club Card account. I was using the number written down on my checking account card when I first opened my credit union account ( 10 years ago ) and the number was incorrect. The payment bounced and I was charged an NSF fee. I reprocessed the payment and paid the card in full. This was the first and only payment that was an issue. I was informed that my Synchrony Sam 's Club Card was closed due to non-satisfactory payment history. I was then told that since I paid my card in full, I could have the account reopened in 7 days if there was no issue with the payment. After 7 days my account was reopened. Then I requested a credit limit increase and it was granted. In the meantime, I was unaware that my Synchrony Care Credit card was closed until I logged in to make my payment. I spent over 10 hours on the phone with representatives and nobody could help me get my account reopened. I was told to re-apply for a Synchrony Care Credit card. I applied and was denied because of unsatisfactory payment history, they were seeing the issue with the Sam 's Card. Again, this card was paid on time for many years and has had no issues. And even here, the issue was with a different account. After I was denied, I disputed the decision and sent in a credit report with proof of my satisfactory payment history. I am now being told that since I re-applied for a Care Credit card and was denied, that my Sam 's card was reviewed again, and closed once again. I had ONE problem with ONE payment and had two accounts closed. I can not believe that having ONE issue gives them the right to close down accounts I've had and have been building for over 10 years. I also have never received a sheet of paper explaining a decision and my credit report shows perfect payment history yet I am repeatedly told my payment history is unsatisfactory. This is unacceptable.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

I paid Amerisave {$500.00} to refinance my home. Less than 24-hours after I sent the {$500.00} to this company using my debit card, I decided to go into a Chapter XXXX Bankruptcy. No company would refinance my home. I was totally stressed because all my family is deceased. I only have my home and am retired, elderly and have health issues. 

I hope Amerisave is not trying to take advantage of an elderly widow who wants to keep her home? I sent Amerisave {$500.00} because I hoped the company could refinance my home. 

I reviewed my financial situation and knew that I was not a candidate who XXXX  XXXX XXXX ( XXXX ) would help me in any manner. XXXX  was extremely unaccommodating in trying to refinance my home under any circumstances. I know that XXXX  XXXX XXXX wanted to make my life miserable and refused to refinance a $ XXXX 2nd mortgage. 

I began trying to refinance my mortgage in XX/XX/XXXXwith XXXX. I was played, disrespected and belittled by this giant institution, XXXX. My paperwork was lost, missing or not found when I tried to determine what the status of my refinancing was with XXXX. 

After agony, grief and a hard look at my financial situation, I immediately told the representative of Amerisave of my decision to stop the drama and ill-will from every company I tried to get my home loan refinanced.

The company, Amerisave, returned the {$500.00} on XXXX to my account. Now, this company has charged the original {$500.00} again. I am XXXX-years old, widowed and have paid my bills on time. I am disturbed that Amerisave is taking advantage of the elderly. Why would Amerisave reverse these charges?

I have health issues and need my money from Amerisave. This company did no actions on my behalf. Please help me get my {$500.00}. 
These are my bank charges below : XX/XX/XXXX XXXX XXXX XXXX - AMERISAVE MORTGAGE COR Credit Reversal - {$500.00} XX/XX/XXXX XXXX  Simply Checking Card Adjustment Signature ( Credit ) AMERISAVE MORTGAGE COR XXXX XXXX Purchase + {$500.00} XX/XX/XXXX XXXX Dispute Credit - AMERISAVE MORTGAGE COR Provisional Credit + {$500.00} XX/XX/XXXX Amerisave Mortgage Purchase - {$500.00}
Consumer complaint received 2021-08-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Collection Bureau, Inc. (NV)

CONDESCENDING!!! UNPROFESSIONAL!!! 

Today is XX/XX/2021, and I just got off the phone with a " manager '' at this horrendous organization, and I have NEVER been so insulted in my life. As a former XXXX XXXX XXXXXXXX, I can not imagine EVER speaking to an individual the way I was spoken to today, and by a manager no less! 

I was called by a female for the second time from this company, following up on a debt. That debt was previously with another company, which I was making payments towards monthly ( the money was being debited directly from my bank account ). When that debt was transferred to *this* company, two of the payments that I'd made to the initial company were returned to me via check. 

As I was explaining the situation to the female ( and respectfully, as I understood that she is just doing her job ), she put me on hold and suddenly a man came on the phone, identifying himself as Mr. XXXX ( spelling?? ), the manager. 

From the start, he was extremely condescending, insinuating that I was purposely not paying my debt. He threatened to contact the original debtor, telling them that the client ( me ) is " refusing to pay '' ( which I was NOT ). He then listed a series of payments that I'm making towards other things ( car loan, personal loan, etc. ) and basically said if I had money for them, I should have no problem handling *this* debt. HOW DARE HE?! I was furious that he would presume to know my financial situation. 

I tried to explain to him that I never said I wasn't going to pay and that my personal loan was for a medical expense ( not that it's his business ), but he laughed at me & continued to talk over me. He suggested that I haven't made any payments on this debt nor attempted to, which I tried to tell him was NOT TRUE. 

I told him he was being condescending and that I didn't appreciate the way I was being spoken to, but that didn't stop him from continuing to harass me. Eventually, he hung up on me. 

I have a XXXX XXXX  which results in many medical expenses, all of which I PAY. My personal loan was for one such medical expense. 

I'm thoroughly disgusted that someone would think it's OK to speak to people this way. I've read negative reviews on XXXX from folks who have had a similar experience to mine with this organization. The company 's responses to those reviews should tell you all you need to know about what kind of a company this truly is. 

I hope that someone takes charge of holding this company accountable for their abhorrent actions. To treat another human this way is UNACCEPTABLE.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX, Equifax, and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Consumer complaint received 2021-08-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-06
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2021 Mr. XXXX XXXX XXXX Was Sent a written letter that was delivered AFTER The ACCOUNT ENDING # XXXX was CLOSED AT THE BANK ON XXXX XXXX IN XXXX, SC This ridiculous activity that continues to occur AFTER the ACCOUNT # XXXX Is CLOSED IS LEGAL INDEMNITY AGAINST JP MORGON CHASE BANK, NA AND MUST BE INVESTIGATED WITH UPMOST IMMPUNITY! 

THE CHASE BANK IS REQUIRED TO CONDUCT AN FBI INVESTIGATION AS OF XX/XX/2021 and Notify Mr. XXXX BY MAIL CONCERNING THE CHARACTER ASSASINATION THAT HAS OCCURRED MULTIPLE OCCURANCES ON THE VISA CREDIT ACCOUNT ALL CARDS ARE SHREDDED AND CLOSED!
Consumer complaint received 2021-08-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery is reporting a collection in my name that isn't mine to both XXXX XXXX, and XXXX I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (IL)

On XX/XX/XXXX it came to my attention that an incorrect/erroneous entry had been reported onto my credit report by American Credit Acceptance causing my credit to drop over 110 points over night. I was in the process of seeking financing for a house which consequently caused my financing to be denied. I contacted American Credit Acceptance to bring this to their attention. While recognizing it was their error, they informed me there was nothing they could do. I have documentation demonstrating the account was closed on XX/XX/XXXX. American Credit Acceptance said it was a glitch only with XXXX XXXX only for me to find out a month later that it was in fact on all of the credit bureaus. I contacted American Credit Acceptance again. They apologized and said they would fix it. I requested a letter that I could provide to my financing company and they said no, they could NOT provide a letter. I spoke with a supervisor and was told again that they could not provide a letter. I told the supervisor that I would be seeking legal compensation for the damage they had caused me and my family. It was then that they were suddenly able to provide the letter/document which I have on record. My credit report remains unchanged. I filed a complaint with the XXXX XXXX XXXX approximately a week ago. A representative from American Credit Acceptance contacted me several days ago letting me know she would be beginning an investigation. She called me back this morning ( XX/XX/21 ) letting me know AGAIN that there was nothing they could do, it was NOT their responsibility and that my account was showing open. She furthermore told my that the documentation I had, an XXXX  report showing the account as closed and the negative remark did not prove anything. I lost financing for a house for me and my family due to their error and the refusal to correct it.
Consumer complaint received 2021-07-30
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. (SC)

Hello, my name is XXXX XXXX XXXX and I received my credit report to find that Experian is reporting a XXXX XXXX Account completely inaccurate. Its still showing as a derogatory account when it has in fact been paid in full and is no longer in Collection/Charge off status.
Consumer complaint received 2021-07-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IL)

I recently applied for a home loan and I was denied because there were several medical collection debts on my credit reports. Based on the information on the credit reports provided to me I sent Merchants Credit Guide Company a validation letter on XX/XX/2021. The company failed to validate my debt instead they sent me a list of my medical records which I know is a direct violation of my HIPAA rights and regulations. I have never signed a HIPPA form authorizing Merchants Credit Guide to have access to my medical records. In addition, I was never offered the opportunity nor did I receive any letters, emails or telephone calls to dispute the debt before it was reported to the credit bureau. Please delete this information from my credit reports and cease all collection activities immediately. I truly appreciate any assistance you can offer me to stop this agency from continuing to violate my rights.
Consumer complaint received 2021-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have called into the Call Center of Transunion to get inquiry issues resolved. The customer service reps did not want to help me resolve the negative inquiries reporting to my credit report. I have been a victim of inquiry issues. I have listed below the inquiries. 

1- XXXX XXXX  XX/XX/XXXX 2- XXXX XXXX XX/XX/XXXX 3- XXXX XXXX XXXX XX/XX/XXXX 4- XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-06
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. (CA)

XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX and Experian. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

IC System, INC claims they are collecting a debt of {$340.00} for XXXX. XXXX can not produce any documentation with my signature that states I agreed to any two year contract terms with them to validate this debt. They state this is for an early termination fee yet have no signed documents from me stating that I agreed to a 2 year contract when they installed the equipment. IC Systems has no valid signed documentation from XXXX yet they continue to place the collection on my credit report.I have requested from IC System, INC on multiple occasions to either produce documentation with my signature and contract terms to validate the debt or to remove it from my credit report. They failed to do either of these things.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (MO)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX is reporting a collection in my name that isn't mine to both TransUnion and XXXX I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Consumer complaint received 2021-08-05
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: Experian Information Solutions Inc. (NY)

Two credit cards were taken out under my name totaling XXXX dollars. One is from XXXX XXXX and the other with XXXX XXXX/XXXX. These were opened in XXXX, FL. I do not know the person who opened them and never authorized this transaction. The thief also stole XXXX dollars from my XXXX XXXX  XXXX checking account by using an intercepted debit card stolen from my mail. These transactions were also in XXXX, FL. Upon completing an investigation, XXXX  XXXX XXXX has credited my account for these transactions.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (OH)

On XX/XX/XXXX i paid main financial on XX/XX/2021 i always pay at the end of the month due to how my pay falls however it seemed online posted my payment on XX/XX/XXXX, and this is not my fault please remove this 30 days because this is reporting incorrecty. This was a online system gliche. I never had a 30 day at all
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-05
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: Experian Information Solutions Inc. (NY)

The inquiries on my Experian report from XXXX  XXXX XXXX, 3 inquiries from XXXX XXXX and 1 from XXXX XXXX are unauthorized. I contacted Experian two times through the mail to have them deleted and never received anything back in the mail.