davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (CA)

Around XXXX/XXXX/16 I recieved a Barclay card and immediately started making purchases on the card raising my balance to about {$1300.00}. Next thing I know my credit score dropped around XXXX points, when I went to see why I found that Barclay had reported to credit agencies that I had a balance of {$1300.00} but my payment was n't due for another 3 weeks. When I contact Barclay to find out why, I was told that every purchase made is reported. I immediately paid the card off in full about 3 weeks before the due date and to this day Barclay has not removed that balance from my credit report. Barclay reports charges but not payments. The Barclay XXXX Card XXXX ruining peoples credit.
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Balance transfer — 
Company: Paypal Holdings, Inc (CA)

I am having trouble paying off a debt I incurred with the original credtor pay pal credit. They then transferred the debt to XXXX on XXXX XXXX of 2014. I called XXXX and they said they sent it back top pay pal. I owe over XXXX dollars I want to pay my debt but I cant find it Its in limbo. Neither company will trace the debt and help me I have called multiple times
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I had a Carnival MasterCard which I closed on XX/XX/2020. The balance was {$0.00}. 
A charge was applied against that card for {$9.00} on XXXX XXXX, XXXX after the card was closed. I do not understand how a charge could be made after I closed my account. Since the time that the account was closed I did not receive any monthly statements. 

I spoke with an account rep on XXXX XXXX  who saw that the account was closed and that the balance was {$0.00}, and he said he would forward it for further investigation. I called again on XX/XX/XXXX since I hadnt received a response. I was told that charge was from XXXX XXXX for a back-ordered item from XX/XX/2020, and that the late charges and interest accrued a balance of {$120.00}. The representative I spoke with tried to explain that the charge was authorized but delayed because it was back-ordered. Nonetheless, a charge was made against my closed account. 
I called again today and was told a letter was mailed to me on XX/XX/XXXX, saying that the dispute is being investigated and may take 45 days. The balance now is {$16000.00}. 
Meanwhile this has affected my credit report as late payments for 3 months. 
I am willing to pay the {$9.00}. I have requested that they dismiss the additional charges. 
My complaint is that they allowed a charge against my closed account, they didn't send me any statements, and this is taking too long to resolve.
Consumer complaint received 2019-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

Recieved email from " Wells Fargo '' asking me to verify information on my account. I have no wells fargo account. never have. See below Wells Fargo Online XXXX We discovered multiple failed attempted login on your account on Mon. XX/XX/2019 at XXXX. Hence, we temporarily locked your password. 


Click here to verify your information now to avoid account suspension. 


Our apologies for the inconvenience. This is a big deal to us too, and we will do what we can to help you. 


Wells Fargo Online
Consumer complaint received 2016-04-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

This is a response to the company 's response. We disagree and dispute the company 's response. 
Please see the detailed attachment which shows that Ditech is harassing us and claiming that we are behind in payments, even though we have cancelled checks which show that Ditech is lying and committing fraudulent activity.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (CA)

I ordered XXXX XXXX XXXX Internet and Phone Line Service for my business date XXXX/XXXX/2014 and connected service date XXXX/XXXX/2014 but I did not satisfy with service because the Internet too slow and the phone line had too many strange called in, I had to cancel XXXX XXXX XXXX service and changed to another company is XXXX date XXXX/XXXX/2014 and return all equipment to XXXX XXXX XXXX with in a month of service. XXXX XXXX XXXX sent me a bill to charge for Service and early cancellation {$430.00}, I do n't want to pay that amount because and canceled XXXX XXXX XXXX service with in 30 days with no fee, now XXXX XXXX XXXX sent it to collection.
Consumer complaint received 2015-04-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX closed their business in XXXX, but I had made attempts paying my payments on time for 15 years on a XXXX limit account. My account was in good standing for 15 years - never late. Between XXXX and XXXX, I was told that my payments were not to be made at store any longer - even when pleading with manager to save on stamps to mail payments. I told them that when making payment to XXXX processing center - my payment was not received and in XXXX told that they received all my payments and that my account was going to be placed as paid in full. At some point in time, Midland Service took over the account and claimed that I owed 900 dollars on an account paid in full. I requested to be given all my account information they had in file - but they repeated the information I had told them about being in good standing for 15 years and that I owed XXXX bank a balance unpaid. I did not agree with them and told them they were mistake, but they kept insisting that I sent them my information to clear their records. I never ever had an account with Midland Service or made any agreements with them, but they have have not complied to my requests since they created their fictitious amount in XXXX. Please investigate this company and have them remove their account from my credit report and any associations with me.
Consumer complaint received 2015-09-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SB Holdings, Inc. (CA)

I am a XXXX man with hearing problems. I purchased a hearing aid which was sold to me as 12 months same as cash. I received a coupon booklet with payments starting in XX/XX/XXXX. I have made every single payment starting on XX/XX/XXXX with the impression I would not own any interest. XX/XX/XXXX I received a letter from Allegro Credit stating I owned {$610.00} interest. I called Allegro and they stated they sent a notice XX/XX/XXXX regarding this I never received this notice, furthermore, they never sent any monthly notice reminding me what I owed and when the same as cash ended. I find this very deception. Why would they not send me a monthly statement, and only provide a coupon book that started in XX/XX/XXXX. As a lender they should be required to give me a monthly statement. I now owe money that I will need to borrower as I can not pay this. This should be illegal for Allegro to be so deceptive.
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: Experian Information Solutions Inc. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY (MA)

Well, there exists a discrimination during my application for AMEX credit card. I got a low credit limits as XXXX us dollar. I have already referred several of my friends to apply this AMEX card. They got XXXX and XXXX credit limits. When I asked AMEX, they said they make the decision based on different PERSON! However, me and my friends came from same place with the same income and study in same school and same major. How could this kind of huge difference come about? Whether they are using profile discrimination or use price discrimination method to treat consumers.
Consumer complaint received 2021-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters about some items on my report. I have not recieved any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immeadiately removed from my credit report.
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (PA)

I received a debt collection notice from MRS BPO , LLC XXXX : //mrsbpo.com, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX For XXXX XXXX from XXXX XXXX XXXX , I returned their form starting this is fraudulent.
Consumer complaint received 2021-04-29
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. (MD)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved, so it prompted me to check my credit report. I've reach out to the FTC and I've also made a complaint to the local precinct. The items listed are not mine and need to be deleted from my credit report : XXXX XXXX, US DEPT ED, XXXX XXXX, XXXX. There are also inquiries on my credit report that do not belong to me : XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I, XXXX.
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MD)

Hunter Warfield has caused me much anguish by reporting an invalid debt to XXXX, XXXX, and XXXX for 5 years and 10 months. Hunter Warfield increases this invalid debt monthly. Hunter Warfield occasionally removes and then re-insert this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an Open account. I never received notice of this debt from Hunter Warfield. After close to 6 years I applied for a home loan and was denied due to this criminal act by Hunter Warfield so I decided to check my credit file. This is when I noticed the Hunter Warfield account on my credit report. The amount was over {$7000.00}. I knew that this was wrong because I never had a debt of that magnitude. I did some research online and on XX/XX/XXXX decided to send a letter to Hunter Warfield asking them to either prove that the debt belonged to me or remove the illegal item from credit file. On XX/XX/XXXX Hunter Warfield returned a letter to me stating that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another one of their deceptive tactics. They did n't enclose a contract with my signature on it because it does not exist.Not only has their wrongful reporting negatively impacted my life, it has also had a negative effect on my family as well.
Consumer complaint received 2019-02-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I have a USDA loan, I have a financial hardship my son totaled my car, I worked XXXX XXXX. Lost my cleaning  accounts due to no transportation. I live in a rural area with no public transportation. Single mom of XXXX kids who father passed the way. My son totaled my car it became very difficult to pay my bills.started getting behind on my mortgage. Called Rushmore my lender explained my Hardship. They said to complete a borrowers assistance package, I did many, many times they kept saying they were missing a paper the same paper I mailed and emailed more than 15 times. They kept playing the never received paper game with me, kept switching single point of contact and I had to provide all forms again for nothing. Rushmore never once tried to help. By law they need to provide me with 3 modification before putting in foreclosure because my mortgage is insured by the government. Did not receive no type of help or modification instead Rushmore filed a mortgage lawsuit against me. In XXXX county Florida. Were acting in bad Faith and completely negligent servicing my loan. They just want to keep adding late fees and put me out the house because it has went up on price. I don't know what to do. Rushmore know they were negligent and acting in bad faith. I lost money with 2 law offices that were supposed to help never did nothing like Rushmore kept playing with me and took my money.
Consumer complaint received 2019-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (ND)

I sent a payment in on my federal Perkins loan to the schools service provider, Heartland ECSI in XXXX PA. They have not gotten it yet and my payment was sent in XX/XX/19. Payment is due XX/XX/19. I don't want default. 

Their customer service woman I " live chatted with '' this morning was rude as heck. Please help?
Consumer complaint received 2016-04-03
Product: Credit card — 
Issue: Credit determination — 
Company: PENTAGON FEDERAL CREDIT UNION (NM)

Today I applied for a PenFed Credit Union XXXX card and was denied. I have good income for years, and my XXXX score is XXXX, and XXXX is XXXX. I am XXXX, however, and I think my last name may be red-flagged by PenFed. Why else would I be denied? I just recently was approved for a XXXX card with a {$6000.00} limit, and a home improvement loan of {$30000.00}. This is unprofessional, and CFPB should look into this. The same thing happened to me at XXXX last year. Something is amiss. And it 's not my credit.
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (VT)

On XXXX night I received a call from Barclays fraud detection line about suspicious transactions. They were indeed fraudulent, being described to me as in-person transactions in New Jersey at a place called XXXX, 3 transactions totaling {$450.00}. I filed the routine papers to indicate it was fraudulent. I later received a note saying Barclays had investigated and some of the XXXX items were fraud, but some were not. How they arrived at that decision was not explained. As monthly bills came in, there were late fees and interest charges, so I continued to call to protest the growing balance. I paid for any items which were legitimate charges, then discontinued use of the card. I wrote letters to their dispute resolution line, but never got any replies. Recently they sent me a letter stating they had received a notice of billing dispute from me regarding a charge from XXXX, a legitimate purchase I made, which I had paid for. I NEVER disputed that charge, as my payment for it would indicate. I have tried to call, but their fraud line is not open the hours as stated on their letters. I have sent back my destroyed card, via certified mail, but have not received the confirmation back from the USPS. I am fed up with their incompetence, and their effort to take my payments for legitimate charges to pay their fees and stiff the companies I purchased from. 

I have not included copies of documents because I dont want personal information published with this complaint. I do have documents, and will provide if requested by the federal office handling this.
Consumer complaint received 2016-08-15
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XX/XX/XXXX, I reported to USAA bank that my card was lost, on the same day that it was lost. I was told that my account was closed and they and they were going to refund me the {$200.00} that was in my account in the next 30 days. When I called on XX/XX/XXXX they told me the account was still open. We got conflicting stories from various USAA customer service people. On XX/XX/XXXX they told me the check from XXXX XXXX from XXXX XXXX XXXX, XXXX 2011 for {$6300.00} was deposited into the account. I told them that " this was not my money, do not cash that check. '' I tried to log into my mobile app and is said " For security reasons my account is temporarily closed. '' On the next day I was told a check for {$1000.00} had been withdrawn. I asked them why did you permit this withdrawal when there was only {$200.00}. in the account. I was told " It is because you have such great credit. '' On XXXX XXXX I spoke with a manager at USAA and they said " I was responsible for any deposit that were made. '' I then received a letter in the mail that showed it has a signature which is printed, and contains information inconsistent with all previous deposits I have made. I have asked if they have investigated the situation, and looked into the person who deposited the check, and the money that was withdrawn in Ohio ( even though I live in XXXX ). The bank has told me there has been an investigation but refused to share any information. The bank repeatedly insists I am responsible for this money, even though I did all of my due diligence, informing the bank that the card was missing, that the deposit was fraudulent and should not be cashed. I was treated disrespectfully throughout, and was spoken to in a rude manner every time.
Consumer complaint received 2016-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (DE)

I recently changed my auto-pay from XXXX checking account to another to my student loan account via Cornerstone. They never notified me that by doing that they would skip my current payment and continue next month. The ONLY reason I knew it was n't going to apply I logged into my account to make sure it my account changed and I noticed my account was skipping this months payment. The letter they sent me XXXX ONLY never mentioned skipping my payment for the current month. I feel like this is a way to get more interest from me and very unfair and seems illegal.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX {$1700.00} is reporting inaccurate information. This debt was settled out and paid in full. There is NO BALANCE! Account opening date is INCORRECT AS WELL! PLEASE DELETE! 

XXXX XXXX XXXX {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this XXXX XXXX XXXX and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT! 

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The Payment status is incorrect! PLEASE UPDATE TO PAID ON TIME!! 

XXXX XXXX as of XX/XX/22 is reporting inaccurate information. This account was NOT A CHARGE OFF!! THIS WAS PAID IN FULL! REMOVE THE NEGATIVE REMARKS AND UPDATE!! 

XXXX as of XX/XX/22 this account was paid in full. PLEASE REMOVE FROM CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The amount past due is incorrect and the remark! This was NOT A CHARGE OFF! PLEASE DELETE FROM REPORT! XXXX as of XX/XX/22 is reporting inaccurate information! The account status, payment status and amount past due is INCORRECT! PLEASE DELETE FROM REPORT! 

XXXX XXXX XXXX  as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM REPORT!!
Consumer complaint received 2021-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have submitted 3 request to experian for a METHOD OF VERIRIFICATION and have received nothing but a letter stating that company reporting information is reporting it correctly. I have not received any information that I request in regards to who is reporting this information. Name and number of contact for the person. I have also request that if it is a 3rd party company that the information be removed from my credit because it is against FCRA to receive and report info from a 3rd party company as they are not able to fully verify my information is correct with that company. As a 3rd party company is not able to provide my full ssn or information as it is a violation of privacy act. ... ... ... ... ... 

I am outraged your company continues to maintain a dismissed or filed bankruptcy as confirmed on my credit report. This unconfirmed unverified dismissed bankruptcy as stop me from obtaining credit. I know for a fact your company receives third party information from a system know as pacer. The PACER system is inaccurate and incomplete since the PACER system does not provide complete social security numbers as that would be against the fair credit report act of privacy laws. The fair credit reporting act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissal or filing. This law clearly states from date of injunction or date of order of relief. It is only fair that according to section 1618 a f of the FCRA that you delete this from my credit report and send me an updated copy.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - [ 1681 ( c ) ( a ) -1 -- -Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EXPERIAN REFUSES TO ADHERE TO MY REQUEST FOR METHOD OF VERIFICATION AND CONTINUES TO REPORT AN UNCONFIRMED AND UNVERIFIED INFORMATION. I KNOW FOR A FACT THAT THIS INFORMATION WAS VERIFIED THROUGH BANKRUPTCY COURTS AS THEY DO NOT SUPPLY INFORMATION TO CREDIT REPORTING AGENCIES AS PROVEN BY THE LETTER ATTACHED TO MY COMPLAINT. IF A THIRD PARTY IS PROVIDING EXPERIAN WITH MY FULL SOCIAL AND ALL OF MY PERSONAL INFORMATION I NEED THE NAME AND CONTACT INFORMATION SO THAT I MAY FILE A DISPUTE WITH THEM FOR VIOLATING THE FCRA PRIVACY ACT.