davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-31
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: BARCLAYS BANK DELAWARE (CA)

On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Opened XXXX XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (DE)

ON XX/XX/2023 - XX/XX/2023 CREDIT INQUIRIES WERE PLACED ON MY CREDIT REPORT FROM XXXX XXXX, REGIONAL ACCEPTANCE, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. I HAVE NOT APPLIED FOR ANYTHING WITH THEM. I LOST MY WALLET AROUND THAT TIME HOWEVER I ORDERED A NEW SOCIAL SECURITY CARD AND ID. I AM CERTAIN SOMEONE TRIED TO RUN MY CREDIT AND/OR USE MY NAME. I DO NOT HAVE AN ACCOUNT WITH ANY OF THESE FINANCIAL INSTITUTIONS. WHEN CHECKING XXXX I DID HAVE A FRAUD ALERT NOTIFICATION AND FROZE MY CREDIT. THERE WERE MULTIPLE CREDIT INQUIRES DONE WITHIN A 7 DAY TIME SPAN.
Consumer complaint received 2024-03-21
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have 2 {$100.00} Amex gift cards. I can see the available balances on the Amex website, but I can't use those cards. I contacted Amex support, and they told me that some stores didn't accept their cards. Based on my experience, NO ONE accepted their cards. I tried multiple online and offline stores. Amex gift cards were declined everywhere.
Consumer complaint received 2017-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I contacted TransUnion by phone in XX/XX/XXXX in regards to inquiries that were deleted due to a computer glitch that TransUnion experienced back between XX/XX/XXXX and XX/XX/XXXX. Several inquiries were deleted but added back and I was not given 5 days notice. I contacted TransUnion in good faith and spoke to a Special US handling agent and the agent stated he would removed the inquiries. Only a few of those from that time was removed. These inquiries are a hardship and my rights have been violated by TransUnion, one again. Please help me resolve this issue. I 'm asking that these inquiries be permanently deleted from my report as TransUnion was in violation when they added them back without proper notification. Listed below are the inquiries from that glitch that has still not been removed. 

XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

: I have medi cal Insurance and the y refused to take down information. Please advise to charge :  XXXX  NJ  XXXX   XXXX   XXXX  Member ID YHZ  XXXX  Member  XXXX  Provider  XXXX  Dental  XXXX  Pharm/Hosp  XXXX
Consumer complaint received 2022-09-08
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-10-16
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Navient Solutions, LLC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX XXXX XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I called Navient on XXXX XXXX due to a past due balance and inquired about the amount and delinquent status. This was ONLY an inquiry call, as the representative advised that I was out of forbearance options but NEVER had my account reviewed by Navient to have my balance basically start over from zero. He advised that there are options that I can take with Navient to have my account reviewed and basically start my account over again. He advised this was an option and would this be something I would be interest in. I advised NOT at this time, as I did n't know that was an option and will take that into consideration. He advised he would have to send me some information to review and send back. I verified my email address and that was it. I called tonight to pay {$230.00} and the automated system advised my balance was {$25.00}. IMPOSSIBLE ... ..because I have n't made a payment but know that I have to make one, as I was almost 60-90 days before my account going into delinquent. I spoke to several representatives and a supervisor ... XXXX. I explained the issue and advised I want my call pulled. Someone falsified my account and I was filing a complaint. I took called a few times to take the survey,, as the 1st time I asked XXXX to transfer me but he must have stayed on the line because the survey system kept asking saying the same thing after I was trying to make my selection. Apparently, he did n't disconnect the call because if you do n't release the call ... the survey wo n't be activated. Very Poor service ... this company creativity is shot in my book and I want action taken, my account to be reviewed and something to be done ... .I do n't trust this company at this point. I had reservations but now ... .they confirmed my suspicions ... .not creditable. XXXX kept trying to get me to agree to make my account negative again and be reported that way to the credit bureau ... I refused to agree to anything because I never agreed to anything with this company at all ... .I have XXXX  and this has impacted my health and I am starting to feel frustrated, pain and inflammation. 
Desired Resolution : Other ( requires explanation ) Desired Outcome I want my account to be reviewed, call pulled from XXXX XXXX, XXXX. 

This was an unauthorized act from Navient - I never agreed to any income default or forbearance
Consumer complaint received 2019-05-11
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)

I am resting a re-investigation of the XXXX  XXXX   XXXX  Collection account in the amount of {$570.00} by XXXX- Equifax and XXXX This account does not belong to me and should be removed and deleted- XXXX  has failed to provide a copy of any signature of a contract.The debtor XXXX  XXXX  XXXX is different from XXXX XXXX   XXXX  has listed. XXXX has failed to provide copies of any copies of balance total was calculated to the amount of {$570.00} XXXX XXXX XXXX  has never mailed me a collection according to the Fair Debt Collections act It is my belief that XXXX XXXX is in violation Fair Debt Collections P 807. False or misleading representations 2 ( a ) ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false,
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NC)

On XX/XX/XXXX I transferred {$1500.00} from Cash App to XXXX XXXX XXXX. last 4 of debit card number : XXXX retrieval reference : XXXX. After a few attempts to communicate about the recovery of my funds XX/XX/XXXX XXXX XXXX Cash app did not recover my funds, or attempt to transfer the funds back into my account. XXXX reported no funds had transferred, this was also the same employer who stole over {$30000.00} in unpaid wages earned. I made reports to them in XXXX and XXXX and they retaliated and harassed me for not accepting low wages and failed to compensate me for an injury sustained during a delivery pick up that was no fault of my own. 

Further more XXXX disconnected my account for a false pending criminal offense that was dismissed long before my delivery driver criminal background check was due for recertifying. I showed them proof of their error and they refused to acknowledge my evidence without a reasonable cause or statement. They were utterly satisfied with locking my delivery driver account so I couldn't put in a claim notice of stolen wages. They made up a false report to further hide the entitlement to my wages claim. They acted with fraudulent intent to defraud me and wrongfully terminated my driving position.
Consumer complaint received 2019-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

This company has place a fraudulent account on my credit report ( per their response ). I do not know them. Nor have I ever done business with them and if I have please provided the contract I signed with your company at the date of origination. The response stated to provide them more information and I refuse to help them do their job. If you cant find my account with my name and the information I provided then please remove your fraudulent account of my credit report before I take further action.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

In XX/XX/XXXX I closed an account with XXXX. I paid all monies due and returned all equipment to the company. XXXX then sent my account to collections with out notifying me. I informed the collections agency that all monies were paid. in XX/XX/XXXX diversified consultants put on my credit an collection for XX/XX/XXXX. this information inaccurate for two reasons 1. the account is paid in full. 2. the account was charged off in XX/XX/XXXX. the FCRA sec 623 says that an company has 30 to notify me before putting anything in regards to my character on any consumer reporting agency. to report a new account on an old debt is also against FCRA. diversified consultants, during our conversation explained that they knew the account was was closed in XX/XX/XXXX and charged off, however still reported it as a fresh debt, a significant violation of the FCRA.
Consumer complaint received 2017-09-05
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)

please find attached the creditor letter for which they have approved to remove the fraud account from my credit report, i have already submitted this letter to both experian and XXXX, but still they have not removed this account except XXXX. 
experian needs to remove right away instead of disputing this account. 
thank you for your cooperation
Consumer complaint received 2017-09-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed with all three credit reporting agencies on XXXX XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the XXXX XXXX XXXX XXXX. That is n't even supposed to be reported because child support is Title IV-D which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the XXXX XXXX XXXX XXXX does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.
Consumer complaint received 2019-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

Encore Capital/Midland Funding LLC Encore acquired the account ending XXXX XXXX in XX/XX/XXXX  going into may according to XXXX XX/XX/XXXX there was never no letter sent to me about the said debt. I also have the copy that I sent XXXX back in XX/XX/XXXX of the said dispute in which XXXX 's kept telling me some one was working on it. If need be my XXXX bill has the calls to XXXX regarding the issue that was at hand. There is this about XXXX 's giving the run around. I see why XXXX is bankrupt due to there customer service. My next issue Encore Capital bought the said debt with no letter or the parent company going back to XX/XX/XXXX of the said bought debt. My next issue will be not to send me no back dated letter in regards to this account. As I said I sent a dispute well befor this account got bought and was in dispute status. I'm also filing with the US Attorney office of consumer rights on this matter. MCM/ Midland Funding/ Encore Capital or who ever owns the account I'm filing on all companies of no letter to dispute and what address it was sent to if there was a letter. XX/XX/XXXX there was a letter mailed out US Postal certified to Midland Credit Management in which there was no response to the dispute or clearing up the debt.
Consumer complaint received 2017-09-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Pioneer Credit Company, Inc (MS)

I would mail my money order in but the loan branch manager would hold it and tell me before she would credit my account I needed to bring in another payment. Which was confusing to me. I would call and cancel a verbal payment and they would put through the payment anyway in order for me not to have the account paid. They would keep changing staff and no one knew what was going on. I had an uncle XXXX in my family explained to them that I was in the middle of XXXX and as of today 's date no one would work with me due to the devastating loss. I tried to get my account current but with no assistance from management. They continue to change staff and no one is ever available to keep proper records nor work with their clients as they should. Management is deliberately putting accounts in default in order to ruin clients that have been paying customers for years. I have had several accounts with this company and they have worked with me in the past but when they changed staff no one seemed to care about the customer and continue to run payments when they wanted and not when they were to hold payments as agreed they continued not to assist causing customers to be frustrated always. The company has been a very good company in the past but as they changed staff things became more of a problem when trying to resolve things.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On Wednesday, XX/XX/2019 was checking my credit score on XXXX XXXX  before leaving for work as i have been working hard over last couple years to get my credit score as high / in good standings as possible as i can. found that my score had dropped 7 points over night, due to the fact that We Energies the Electric Utilities provider whom services my area had removed themselves from reporting to trans union credit report. i was lead to We Energies from Trans union, We Energies Personnel began to explain that this was not the problem of WE Energies. they only changed how they billed customer and stopped/removed reporting to Trans union and other credit companies, how they they translate that information and put on credit reports is each persons individuals customers/ persons PROBLEM. This was completely shocking to me as i have been paying my bill 's on time if not early most months over the last couple of years with We Energies. ( not like a cell phone customer can just switch to a different provider after this type of treatment & and filing a complaint. we customers still have use them for our utilities, like getting abused but can't leave the abuser. ) ( WOW ) now they are more then willing to use mine and ten 's of thousands of their customers Credit scores to reduce their costs in billing, by just doing this way of removing reporting to credit companies reporting no big deal i think was the term /statement they used. ( SHOULD NOT WE ENERGIES HAVE TO MAKE THESE TYPE OF CHANGES TOTALLY AT AND ONLY AT THEIR EXPENSE NOT THEIR CUSTOMER 'S SEEM 'S TO BE IF EVEN A TRUE TERM MALPRACTICE OF BUSINESS IN MY OPINION ) To me it is completely logical for a company to reduce operation cost, however i don't believe i have ever heard that using their customers credit ratings was and except able way of doing this.in my opinion it feels like they have stolen part of their customer credit scores to reduce their billing cost. I have a question i heard that credit companies only make money on negative credit score reporting if that is true? then i'm really shocked, because i'm sure We Energies attorneys/accounting managers knowing that. doing this must have weight that as a choice factor, before deciding to just choose to take this route of make change to how they would stop reporting information to credit companies. as a risk of back lash even if not illegal just unethical. to be worth the saving to the hurt even possibly damage credit of ( people and families ) customers to be worth their $ $ savings more important!
Consumer complaint received 2019-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

Mr. Cooper changed my loan number without my consent and charged me {$1000.00} in fees. I asked who they paid, they have not provided me with a name yet. They charge me XXXX a month on my mortgage. As a result I can not make principle only payments. It would take 30 years to pay the amount meaning I could NEVER make principle only payments.
Consumer complaint received 2017-09-05
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (TX)

Here is further proof that the transfer of assignment filed in XXXX County Land Records office on XX/XX/XXXX was fraudulent and American Home Mortgage Servicing Inc knew it was fraudulent. 

When our mortgage loan became delinquent we received letters from XXXX XXXX XXXX, which is the first time we learned that the " holder of the note '' was XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. We made a qualified writted request - verification of proof of claim request of XXXX XXXX XXXX to provide copies of any transfers or assignments to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX was the " holder of the note '' because no transfers or assignments had been filed in the XXXX County Land Records office that transferred the note or deed of trust from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was not able to provide any of the documentation to show the note or deed of trust was ever transferred to the trust. 
We also made the same request of AHMSI and XXXX XXXX XXXX XXXX to provide copies of any transfers or assignments to show that note or deed of trust was transferred to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. From XXXX  's website I was able to see the attached communication from AHMSI 's research department that shows the qualified written request - verification of proof of claim request that was made and a cease and desist notice that had been filed in the XXXX County Land Records office, which AHMSI decided to disregard. 

There is also an attached email dated XX/XX/XXXX from AHMSI 's Legal Correspondence Group to disregard my cease and desist request regarding the foreclosure action and as we know, the fraudulent transfer of assignment was filed 10 months later. 

The attached response from AHMSI 's Loan Administration Research Specialist were documents to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX was the holder of the note. But the attached documents just shows that as of XX/XX/XXXX, the holder was XXXX XXXX XXXX XXXX and that note and deed of trust had not been transferred to the trust, which is also evidenced by the title search we did in XX/XX/XXXX. 
AHMSI had no idea that XXXX XXXX XXXX XXXX did not transfer the note or deed of trust to XXXX XXXX and requested that we direct our concerns to XXXX XXXX XXXX. As we know from the declaration of President of XXXX XXXX XXXX, XXXX XXXX XXXX did not own any residential mortgages to transfer as of XX/XX/XXXX. So how is the transfer of assignment that was filed in XX/XX/XXXX valid? 
Again, we have not received any valid transfers or assignments to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX is the holder of the note. We have been making this same request from XX/XX/XXXX and have not received the requested documents. We have only received the fabricated documents to wrongfully foreclose on our homestead and collect our monthly mortgage.