davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

I have noticed that the following companies are reporting addresses that are not mine, I have provided a copy of my Drivers license, and these Banks have Account charged my account without sending me a 1099C Under Section 166 of the Internal Revenue Code, All debts or Accounts are charged off. Must send the consumer a 1099C which I have not received from this bank. BARCLAYS BANK DELAWARE, XXXX XXXX XXXX XXXX XXXX are bank ( as defined in 1.166-2 ( d ) ( 4 ) ( i ) of the Income Tax Regulations ) and is subject to supervision by Federal authorities. BARCLAYS BANK DELAWARE, XXXX XXXX, XXXXXXXX XXXX has elected under 1.166-2 ( d ) ( 3 ) to use the conformity method of accounting to determine when debts owed to BARCLAYS BANK DELAWARE XXXX XXXX XXXX, XXXXXXXX XXXX become worthless bad debts. 
15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports 15 U.S. Code 1681a - ( 2 ) ( A ) ( i ) 15 U.S. Code 1681a - ( 2 ) ( B ) 15 U.S. Code 1681e - ( b )
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX AV XXXX XXXX, AR XXXX ARCHILDSUPPT XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all three credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my report.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

EXPERIAN-I NEED TO FILE A DISPUTE AND I CAN NOT REACH THEM. I HAVE TRIED REACHING OUT TO THEM BY PHONE AT LEAST XXXX TIMES AND ALL YOU GET IS A RECORDING. I HAD REMOVED MY FREEZE WELL OVER A MONTH AGO AND I STILL CAN NOT GET A DISPUTE REQUEST. I HAD NO TROUBLE REACHING XXXX AND XXXX. WHY IS EXPERIAN SUCH A PAIN IN THE BEHIND ABOUT GETTING HELP FIXING MY CREDIT ... THERE ARE ACCOUNT THAT NEED UPDATING AND ACCOUNTS THAT ARE NOT MINE ... HOW CAN I GET HELP WITH THIS DISPUTE ... ...
Consumer complaint received 2024-03-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/10 I attempted to make a purchase at a Retailer called XXXX for {$570.00}. The gift card balance at the time of attempted purchase was $ XXXXThe first attempt on the merchant website was declined. I then attempted to add the card to a XXXX account and an XXXX account. All attempts were declined. Understanding that sometimes the bank may require a hold 20 % above the purchase price, I then tried to break up the purchases. Another attempt at {$310.00}, and yet again declined. 

From XXXX XXXX XXXX XXXX XXXX  I made XXXX  calls, and on the 6th attempt I was finally transferred to a customer service rep named XXXX. The service rep verified my card using the XXXXXXXX digit number on the back and the 11 digit id at the bottom of the card. I was explained the difficulty completing this transaction, and that my card was being declined. I was then told that my card had an available balance that would cover to purchase, and to try at a different merchant or in person. This particular store is very far away, making an in person trip impossible. This is also for a purchase of something that can not be found anywhere else ( and for my own wedding ) so I do not have the luxury of just using this elsewhere. 
I am not stuck without an option and and may not be able to purchase this item.
Consumer complaint received 2015-05-11
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (MI)

On XXXX XXXX 2015, I contacted US Bank Home Mortgage ( my current mortgage company ) to refinance my condo with cash out for debt consolidation and home improvements. While speaking to my loan officer, XXXX XXXX, she assured me that because I was a current customer of US Bank that he process should be relatively simple- pending appraisal. After 4.5 months of being the process US Bank Home Mortgage denied my loan because they stated, " we let your credit report expire, when we re-pulled your credit report- you no longer qualified. '' During the months that I was in process at US Bank Home Mortgage, my loan processor-XXXX XXXX lied me to three times. In XXXX 2015, I was told that my loan was approved ; however, she was not able to close my loan because they did not have any closing times available. The second and third lie came in the beginning part of XXXX 2015 when I was told that I could not close because I needed an updated payoff from US Bank, which apparently took two weeks to obtain. 
I firmly believe that US Bank Home Mortgage dropped the ball on SEVERAL occasions in regards to processing and closing my loan. I do not believe that the company has proper processing systems and that they lie to customers to prevent them from looking elsewhere as was the case with my refinance.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all three reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

XXXX
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One improperly reported my payment as 31-60 days late. I made my payment on the 30th day and I paid one month ahead, in addition. The improper report decimated my credit score causing irreversible damages. I requested removal and Capital One instructed me to file a complaint here. The agent refused to examine the calendar, date of actual payment and the latitude for payments that 's fall on weekends. This report reflects a predatory and dangerous lending practice that has virtually ruined my life and plans for the next 7 years. The lender and I disagree over one day.
Consumer complaint received 2021-10-03
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. (TX)

XXXX, Experian, and XXXX continue to report an unverified Account to my credit report and are in violation for NOT investigating this with the furnisher! XXXX is furnishing information that does NOT belong to me and are in violation of HIPPA laws for releasing personal information that is NOT mine! 

XXXX XXXX
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (NY)

I applied for a 2nd second home mortgage back at the end of XXXX and have had a horrible experience with with the lender XXXX. Loan officer XXXX XXXX | XXXX # XXXX was the person working on my loan. She refused to communicate properly with me and just sent forms for me to sign through a online portal. While I tried to look over the forms carefully, I missed the box being checked that my mortgage rate of 4 % wasnt locked in. XXXX wouldnt verbally discuss the interest rate or locking it in or not. She wouldnt explain the process with me at all. I was totally in the dark and I expected that a loan officer would explain things to me that were important like my interest rate being locked in or not. It wasnt locked in and now interest rates are 5.25 %. A new loan officer informed me that the interest rate will be now 4.75 % and I will have to come up with {$6800.00} in order to close because of XXXX not informing me that I needed to make a decision about locking in or not. She wouldnt take my calls and ignored me. When I asked her about the interest rate on XXXX, she gaslighted me saying we discussed the interest rate. I assure you we most certainly did not. She shouldnt allowed to work with the public anymore. I trusted that I would have the process explained to me. She didnt feel she needing to communicate with me other than sending forms I didnt understand.
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (MI)

NCC Business Services from Florida called me on XXXX/XXXX/15 XXXX times and asked for my mother ( I am her guardian and have POA ) but they would not tell me anything about why a debt collection company was calling her. They asked me to fax over my POA papers but I refused since I did not know who they were or what they were referring to. I thought it was over and then on XXXX/XXXX/15 the same fellow called me back. I had my mother call them and give them permission to talk to me. I called the company back later in the day and he mentioned the amount was {$2000.00} for repair of an apartment my mother had moved out of in XXXX. I thought I had paid this and told him I would look into it and call him back. When I contacted my bank, it was confirmed that I actually did pay this same amount for apartment repairs in XXXX and the bank is sending me a copy of the cleared check. So I called the company back and told them that they have the wrong information, the bill was paid and I was told to hang on. They had not asked for my name at this time or any information. It was a girl this time on the line and she came back on after a couple of minutes, apologized for the delay, and then the call was terminated. I called directly back, had the same girl, and the same termination of the call from their end. 

I reported this to the FBI and they suggested I report it to you as well. 

The name of the company they gave over the phone is NCC Business Services Debt CollectionPhone # XXXXThey were trying to get me to pay a bill which was already paid a few months ago. They are attempting to take money from the elderly. This is a scam.
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

My address is listed twice on my credit report and XXXX of them is incorrect by XXXX digit for an unknown reason. There is no dispute option with the credit reporting company for simply information appearing incorrectly. Please see the attachment of an image from my credit report where the information appears incorrectly. Due to not disclosing any personal information, I will not specify which of the addresses is the correct XXXX, yet. Please let me know how to proceed. Thank you.
Consumer complaint received 2015-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have disputed XXXX ( XXXX ) accounts with XXXX XXXX on my credit report. The original creditor has considered the accounts to not valid. Experian has not provided me with any information to validate the investigation, and has told me that they will not investigate it again, nor do they have to provide me with any information about their investigation.
Consumer complaint received 2015-05-18
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Scott’s Jewelry & Pawn Inc. (AL)

I have a payday loan with Check Exchange for $XXXX.. I retained the services XXXX and they act as the middle man for sending payments to payday lenders or creditors on your behalf.. Check exchange recieved XXXX payment of $XXXX which would be per month until debt is paid in full for XXXX months..check exchange cashed the check but turned around and said that they want $XXXX per month for XXXX months that would put me in a financial strain I cannot afford right now..I t is not like I am not trying to pay them back what I owe, it may be in a smaill amount, but something is better than nothing at all and they did cash what was sent to them.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-02-14
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. (AL)

I called and talked with a representative in XX/XX/2020. I asked to be put on the forbearance when XXXX hit. They assured me that I would not be marked late and that it would not report negatively on my credit report. I have contacted XXXX in XX/XX/2020 and they refunded me from the Late Payment fee they accidentally charged me but did not change on my credit report that I have never been late on any payments.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NM)

At the beginning of XX/XX/2019 American Express cancelled both of my accounts I had with them while I was having medical issues after being less than 45 days late. At the time I was notified I called immediately and was told that the accounts had been closed 3 days prior to me having received notice in the mail. I believe american express timed the delivery of my notification in an effort to subvert my ability to make a timely payment so that they prematurely close my account. 2. After seeing that the account was closed I began making regular payments to buy time until I could pay off the balance in full. On XX/XX/2019 I paid off both of my accounts in full through their online portal and showed a XXXX balance on both of them. today XX/XX/2019 I began receiving collections calls at XXXX XXXX and as of the time of this complaint I have received 4 calls informing me that I have a balance on my american express accounts in the amounts of approximately {$13.00} and {$37.00} respectively. After learning this I immediately call american express to find out how I had a balance in collections for two accounts that had been paid in full only 11 days ago. I was told that the balance was interest that had accused after my final payment. I then asked how I was supposed to know that they had added interest to an account that from my perspective had been closed and paid in full if they had not given me notice. I was told that they had mailed me 4 separate pieces of mail attempting to collect the debt. I find this very hard to believe given the very short time frame from when I paid in full to when I began receiving collections calls. 11 days seems to be a very unreasonable amount of time for someone to be sent to collections. I was made to feel as though I was attempting to not pay off the account. On XXXX XXXX I paid off nearly {$4000.00} between the two accounts and I would submit that given the amounts and my attempt to fix the damage that this has done to my credit it does not make sense that I would have avoided only {$50.00} of Nearly {$4000.00} debt. I find these practices despicable and I believe they are motivated by discrimination based on the fact that one of my accounts is an american express optima account. The Optima account was an account that american express was forced to create and offer to consumer who where included in a legal settlement that was reached following a suit filed for similar unfair practices by american express. It is my belief that american express wanted nothing more that any excuse to be able to cancel the accounts of Optima card holders and found my short lapse during my illness to take advantage of the situation.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IA)

My student loan provider is currently Nelnet. I have been making my payments 1 month in advance to cut down on interest paid. On XX/XX/XXXX I made a payment to them for my loans that was not actually due until XXXX because I pay in advance. On XX/XX/XXXX I logged in to make a payment and it told me I had a past due balance. Impossible since the payment I was making in XXXX was actually XX/XX/XXXX payment. I called them XXXX and spent about 1 hour and 13 minutes on the phone. The lady said I had a total of 4 loans and that my payment in XXXX was applied to only 1 loan and the other 3 were not paid so that is why I had a past due balance. She said she would submit a request to fix this but that request would take about 3 weeks to process and then I would be able to make my XXXX payment before the due date and it would no longer reflect that I had a past due balance. Fast forward to today XX/XX/XXXX, I logged in to their website to make a payment and it still showed I had a past due balance. I called them XX/XX/XXXX and literally spent 2 hours and 53 minutes. It was an hour and 20 minutes before someone even picked up. The lady said that the original request sent in on XX/XX/XXXX was not done correctly and then proceeded to say she was submitting a new request for me. After that she proceeded to tell me processing times on these requests are now 7-8 weeks out. I said this was unacceptable and needed this fixed now so I can make my payment and no longer reflect I have a past due balance. I requested a supervisor and waiting on hold even longer. XXXX was the supervisor name and gave me the same information the customer service agent did. That they cant expedite these requests and that they take time. While all this is going on, my account will now reflect 60 days past due in XXXX and who knows if this will even be resolved until XXXX. I just want this fixed so I can pay them the money I owe. While I am not able to make a payment, I am being charged more interest on money that I technically should have already paid but cant until they fix the past due balance. It is unacceptable for them to be this far out on fixing issues. Please help!
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

Experian is not reporting account # XXXX, which is XXXX XXXX Credit Card. The limit on the card XXXX. This affect my utilization, which affects my credit score ... I request that Experian correct this information ASAP and it 's not showing my history of payments as well. I have attached my credit report from XXXX, which is powered by " Experian. '' Also, I sent a letter into Experian letting them know there are " inquires '' on my profile that are not mine ... They have yet to remove this information. The list is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have contacted the creditors as well and getting no results, please have these inquiries removed ASAP. This will affect my ability to gain fair credit.