davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have a credit card from COMENITYBANK/VICTORIA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COMENITYBANK/VICTORIA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and COMENITYBANK/VICTORIA with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30/60 days late.
Consumer complaint received 2019-05-15
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. (CA)

the following account two ( XXXX XXXX XXXX accounts are reporting under my name, which are not mine, these are someone elses information reporting under my name, and could be an ID theft issue which i have been disputing with equifax who have not been helpful at all. please as a consumer i need you r help to have these inaccurate two loans removed from equifax credit reporting, appreciated
Consumer complaint received 2017-05-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I recently received a recent copy of my credit report and I am stunned to find out that this company has placed false information on it. I am very stunned to see  XXXX  open accounts that this company is reporting to the credit bureaus totaling {$19000.00} therefore I am demanding VALIDATION and HIPAA authorization.Under the law I am allowed to protect my privacy and medical records from third parties. I would like to see an actual contract between me and this company. One that I actually signed and that they actually signed as well NOT some bill or computer generated statement with my name and their account number on it. I would also like to see proof of monies given to me with an accounting of every cent used, every cent paid, every bit of interest applied, and the date any of those events occurred. I imagine you can understand my frustration in trying to resolve this issue considering this company never contacted me via phone or certified mail if this debt is indeed valid and indeed is mine. This is my next step because I 've tried to resolve this issue via the credit bureaus and BBB but to no avail
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

In early XX/XX/XXXX I received the wrong XXXX form that has incorrect XX/XX/XXXX interest payments and incorrect XX/XX/XXXX tax payments. I promptly contacted Loancare to inform them that information was wrong and my personal information may have possibly be sent to the wrong person. Since my loan information and personal identifiable info was possibly sent to wrong person, I was requesting for them to reisue my XXXX so someone else doesnt file my taxes. I contacted Loancare XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they continue to tell me that it will be updated online however it has not been. Please help me in resolving this issue. When I call them I usually have to request a return phone call because of their phone lines being backed up. They will also not allow me to speak to anyone in leadership or their tax center that actually makes the changes. Im concerned that my identity has been stolen from Loancare mistakes and it will create serious challenges for me when I file my taxes. If I can simply get the correct XXXX, I can file immediately. Thanks for your assistance with this personal matter.
Consumer complaint received 2018-06-13
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. (CA)

I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XX/XX/XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.
Consumer complaint received 2018-06-13
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. (CA)

I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX   balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XX/XX/XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.
Consumer complaint received 2020-06-27
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. (FL)

I was successful in proving to XXXX some of the erroneous errors on my credit. While they were in violation of not doing it before they have corrected it. Experian received the same evidence and has failed to remove the errors. They sent an email with result but each time I click on the link it loops around I attempted to change my password to no aviail. I attempted to call to no avail. XXXX  removed 2 collection items so far ....
Consumer complaint received 2019-05-15
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. (IL)

I have contacted Experian in the past and explained that these accounts do not belong to me. I have completed a police report as well as I have attached FTC identity theft report number XXXX. The following accounts XXXX XXXX account XXXX, XXXX XXXX XXXX/XXXX acct XXXX   {$5000.00}, XXXX XXXX XXXX/XXXX acct XXXX {$3100.00}, XXXX XXXX XXXX/XXXX {$4300.00}, XXXX XXXX XXXX/XXXX {$6700.00}, XXXX XXXX XXXX/XXXX acct XXXX {$3700.00}. I have never lived at these address XXXX XXXX XXXX XXXX XXXX, IL & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. There are also two inquries that are being listed that I have not given permission to access my credit report & I did not do this for XXXX/XXXX XXXX XXXX XX/XX/XXXX & XXXX/XXXX XXXX XXXX   XX/XX/XXXX.
Consumer complaint received 2019-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

PRA has violated ALL RIGHTS!!! I WAS NOT GIVEN THE RIGHT TO DISPUTE AN ACCOUNT THAT CLEARLY DOES NOT BELONG ME. THE FACT THEY MAILED THIS SO CALLED LETTER TO AN ADDRESS THAT I DONT LIVE AT AND THEN CLAIM IT WASN'T RETURNED SO THEREFORE ITS BELONGS TO ME ITS A COMPLETE DISGRACE AND MOCKERY OF MY RIGHTS. HOW CAN THEY GET AWAY WITH THIS?????
Consumer complaint received 2015-10-27
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (CA)

I have a Rushcard and as of today I still do not have access to my funds. I have called numerous times and have been given false information. On XXXX occasions, I was told my card would be unblocked in XXXX hours. I was also given conflicting stories by customer service agents and put on hold for long periods of time or hung up on.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I have contacted Synchrony Bank repeatedly regarding my balance on an Amazon Store Card. The balance is being reported as {$1000.00} charged off, {$1000.00} due on credit reporting agencies. When contacted to settle the account, Ive been told that synchrony has ceased all collections of the past due amount and that a payment will not be accepted. I have attempted more than once to at least get the balance down to {$0.00}, even if it continues to report as a charge off the balance is impacting my utilization. Ive attempted to reach XXXX XXXX several times from my previous complaint yet she refuses to return phone calls. Calls on the phone to the general synchrony lines are met with individuals who just reiterate I cant make a payment.
Consumer complaint received 2020-06-27
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. (WA)

PREV COMPLAINT XXXX XXXX ALLEGED LATE PAYMENTS XXXX says ask XXXX/XXXX to correct, XXXX says not their problem ask XXXX. XXXX SAYS they are out of business go to XXXX. 
No one will accept responsibility yet I have proof payments cleared my account on a timely basis, see attached XXXX/XXXX bank statement. 
This inaction has damaged my credit reputation & the ability to secure a new conventional/FHA mortgage.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XX/XX/XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (MA)

Fraud charge on credit card for product never received. 
BarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXXXXXXmerchant - XXXX, XXXX XXXX, XXXX ) XXXX XXXXXXXXXXXX
Consumer complaint received 2023-02-07
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. (TX)

Inquiries on my Experian Credit report that are fraudulent. 
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 XXXXXXXX XX/XX/XXXX I've sent a dispute letter, ftc report and police report to the Experian. I explained to them that I contacted the dealership of XXXX XXXX XXXX and confirmed they didn't run my credit report with these locations. My credit was ran by a different dealership for something completely different. It is fraud and I reported this information and contacted the creditors. Experian continued to stall the process advising me to resend my dispute attached with police report and/or ftc report XXXX I sent experian all of the requested information and they continue to stall in the process of removing these fraudulent items on my credit report.
Consumer complaint received 2020-06-27
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: Specialized Loan Servicing Holdings LLC (NJ)

XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my XXXX XXXX  XXXX Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my SLS mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he XXXX  XXXX XXXX and SLS mortgages were paid off in XXXX on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IN)

Between XX/XX/22 and XX/XX/22 they have called me a total of 9 times. 3 times on XX/XX/22, 4 times on XX/XX/22 and 2 times on XX/XX/22. On this date of XX/XX/22 they have started calling my children since I finally blocked their number.
Consumer complaint received 2023-02-07
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. (TX)

Inquiries on my Experian Credit report that are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I've sent a dispute letter, ftc report and police report to the Experian. I explained to them that I contacted the dealership of XXXX XXXX XXXX and confirmed they didn't run my credit report with these locations. My credit was ran by a different dealership for something completely different. It is fraud and I reported this information and contacted the creditors. Experian continued to stall the process advising me to resend my dispute attached with police report and/or ftc report . I sent experian all of the requested information and they continue to stall in the process of removing these fraudulent items on my credit report.
Consumer complaint received 2019-05-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (FL)

Sent verification letter to Deville Asset Managment on XX/XX/2019, never recieved verification on Debt. Wrote original creditor XXXX XXXX and the sent letter back saying they had no information on me.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (IL)

I have filed a complaint and received a response on XX/XX/18 that the company was still working on my issue, and they have 60 days to respond. My claim account # is XXXX. I received this notice in the mail today. Still no response to my certified letter, asking for proof that this debt belongs to me. I have never lived or drove in XXXX, yet somehow toll fees are attached to my name in XXXX. Please note the notice is " the third attempt to collect ''. I am upset that companies can attach a person to a debt without any explanation, and continue to send notices. I feel this company is harassing me as a consumer. I want this company to stop sending me notices to me until they respond to my complaint. I will not be paying this debt, and will gladly continue to dispute this even if I have to get a lawyer involved.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

UPON THE SETTLEMENT AGREEMENT. XXXX XXXX WAS TO REMOVE THE ACCOUNT FROM THE ALL THREE CREDIT BUREAU. IT IS AFFECTING US IN A NEGATIVE WAY AND IT IS HURTING US. THEY ARE NOT KEEPING THIER END OF THE AGREEMENT. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD HAVE BEEN REMOVED FROM MY CREDIT. THIS IS PREVENTING ME FROM MAKING ANY FUTURE PURCHASES OF ANY KIND AND AFFECTING MY CREDIT SCORE XXXX XXXX XXXX XXXX ACCT # XXXX
Consumer complaint received 2019-05-15
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. (GA)

My name is XXXX XXXX I was with XXXX for 5 years and have never been late. XXXX XXXX XXXX has refused to REMOVE AND stop reporting " LATES '' on my credit report. I have never been pass the grace period as u will see reflected, my payment was due on the XXXX monthly and needed to be reflected by the 10 day grace period. I was never notified of the alleged XXXX late payments for my XXXX XXXX XXXX vehicle in XXXX and XX/XX/XXXX. As you will see they were paid on XXXX and XXXX which means they were paid on time. I am asking XXXX to remove the late entries, they are taking advantage of young adults wanting to purchase homes due to not having a financial relationship with them any longer. I pulled my credit report on XX/XX/XXXX, XXXX and Equifax reporting late twice in XXXX for XXXX. I will protect my credit at ALL costs. XXXX Customer Service @ XXXXwas extremely rude and stated " We are not going to remove anything ''. I am asking we resolved this conundrum for I am trying to better myself and XXXX is prohibiting. I do not want this to happen to anyone else. Shame on XXXX ... 

Taken Advantage of, XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

So I had recieved a security deposit from my landlord. The bank that my landlord is associated with is chase bank aka J.P. Morgan. I dont have a bank account myself so I went to chase to cash the check but was told I could not cash a check that over XXXX dollars. My check was for XXXX dollars and thats a guesstimated answer. One of the chase bank reps told me if I knew someone who had a chase account that I could deposit the check into their account. My sister happens to have a chase account so I deposited into her bank. I was told that in 2 days the funds would be deposited and I will be able to get them from her account. Unfortunately, they froze her account and said that they needed to verify my identity before they could give me the funds.

They told me the only way that they could verify me is through calling me but the number that they have in the database is an old phone number and I dont have access to that number. So now my funds are stuck in her account and Iv contacted corporate and everyone else I could to get some help regarding this issue. I cant come into the bank and verify with my driver lisence as well. I can only verify through whatever number they have in the database. It has been stressful to me that I even have to deal with this and loose out on a lot of money and its not fair to me. I was also told from a chase representative that my landlord could cancel the check and send me out a new one but when I contacted them they told me that they couldnt and the day the check was put into the account was XX/XX/2024. I have also tried to contact corporate but no luck. I hope I can get some help with my issue I am facing and thanks for reading. 

Ps : my landlords that issues me out the check is XXXX XXXX XXXX.
Consumer complaint received 2019-05-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (TN)

Recently received Trial Payment plan for a mortgage modification from my servicer Home Point Financial. The modification payment is incorrect because my escrows were not figured correctly. I have changed my homeowner insurance to lower the premium. The new insurance was sent to my servicer so they would update my escrow account to reduce my monthly mortgage payment. 
Please adjust my mortgage payment for the correct payment including the correct amount for my escrow. I don not want to sign the Modification agreement dated XX/XX/XXXX because the payment is incorrect.
Consumer complaint received 2018-06-13
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. (GA)

I have sent over multiple letters to Transunion with the last one being dated XX/XX/XXXX. I have asked that the following inquiries be removed from my report as I have not be provided anything showing I authorized them.

XXXX - XX/XX/XXXX 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 - XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

XXXX XXXX XXXX XXXX based in Ohio is a debt collector that garnished my wages on XX/XX/XXXX from my employer. I contacted them and they informed me they had a judgement from XX/XX/XXXX. I told them I was not aware of any court dates and have never signed for any certified letters from them. They said they were collecting for 5/3 bank from a account I had back in XX/XX/XXXX that was closed XX/XX/XXXX. The account was closed due to 5/3 overcharging customers for overdrafts and there was a class action settlement in XX/XX/XXXX that I was part of regarding 5/3 unlawful banking frivolous overcharges. I submitted the correct paperwork to be in the lawsuit that was finalized in XX/XX/XXXX. I called 5/3 on XX/XX/XXXX and told them about the debt collection agency putting a wage garnishment on my check and they said they never sold the debt to XXXX XXXX XXXX they said XXXX XXXX XXXX bought the debt and XXXX XXXX went out of business and XXXX XXXX XXXX   probably bought it from them. XXXX XXXX XXXX said they don't buy debt and they are collecting for 5/3. 5/3 said my checking account was part of the settlement and XXXX XXXX XXXX  should not be collecting for 5/3 since it was paid out in the settlement the balance should be XXXX for overdraft charges. I was part of the XXXX XXXX dollar lawsuit in XX/XX/XXXX. I submitted my info to the XXXX web site in XX/XX/XXXX.