davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

In XX/XX/XXXX I thought I was paying off my last payment off my Barclay credit card. I only used this credit card to pay off my phone. I paid off the last of around XXXX dollars and assumed my credit card was paid off. Unaware I was still being charged and in three months the credit card had apparently accumulated over XXXX dollars in charges, yet I did not know of this until I received a letter in the mail stating that I was past due on my bill after 90 days of not paying. That was the only communication regarding this account that I received and did not receive a letter after 30 days nor a letter after 60 days. I called the Barclay around XX/XX/XXXX to try and resolve this problem and spoke to the representative after receiving the letter to figure out why I was being charged and if someone might have been using my credit card. The representative removed the charges, but I had to pay for the late fees which I took care of right then and there and asked if this misunderstanding would be sent to the credit bureau which he stated it would have not and that my credit will be fine. My credit score stated that I had a serious delinquency stating I missed multiple payments after 90 days. I called Barclay multiple times around XXXX XXXX XX/XX/XXXX after I found out this stayed on my credit report but would be hung up on multiple times, multiple representatives stating they are not sure how to help me or circling around my questions and when finally talking to a supervisor regarding my situation seeing that I closed my account along with the misunderstanding regarding the situation, I was told not to contact the credit bureau as well as told to send a letter regarding the situation. I was confused at this point because I explained the situation to the supervisor and she not only see the account was taking care of but could have gone back into my account and look back on payments made and how things went wrong but instead told me to write a letter for them to report to the credit bureau. I contacted the credit bureau myself specifically XXXX  since XX/XX/XXXX and they were very helpful and tried to do everything in their power to help me in whatever way they could. Looking at my credit report I have always paid everything on time along with having a good credit history and so why would all of the sudden I would miss three months worth of payments? All I want is for this to be resolved I am planning on going to graduate school to become a physician assistant along with planning to one day have a family so I would like to not run into problems in the future because of this misunderstanding.
Consumer complaint received 2020-07-23
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. XXXX XXXX  ( XXXX  ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (UT)

I've made complaints numerous times to LexisNexis, XXXX, XXXX about placing inaccurate information on my credit report but yet I'm met with stall tactics. 15USC1681 ( 4 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. LexisNexis is a consumer reporting agency. So why is LexisNexis reporting inaccurate information for profit and gain by putting this on my credit report. Which in fact my letter from the Federal Court House specially states that it does not and I repeat does not share any information with any ( CONSUMER REPORTING AGENCY ) so why is this inaccurate information is on my credit report? It's simple, it's about money! I exercise my right to privacy under the provision ( 15USC1681i ( 7 ) LexisNexis, XXXX, XXXX are noncompliance ( 15USC1681n ) for Conspiring with rights ( 18USC242 ) under ( 15USC1681c ( b ) .LexisNexis , XXXX XXXX XXXX acquired my personnel information without my consistent or written notice to do so. ( 604 ) ( 15USC1681b ) Permissible purpose. 15 U.S. Code 1681a this information was obtained through P.A.C.E.R! I understand this a public record to access information but this does not give LexisNexis, XXXX, XXXX rights to place this on my credit report nor is their a FCRA that says Consumer reporting agency have rights to do so. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ).

15 U.S. Code 1681i ( a ) ( B )
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NM)

I am having issues obtaining a score with Equifax and I need one to move forward with my home loan. I have great credit with XXXX  & XXXX  and am authorized onto 2 of my husbands credit cards. I have called both credit card companies to request they report to all three bureaus and they continue to tell me that they do. At this point, all I can think is Equifax isn't reporting my score because of a mistake. I need this fixed.
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

I called Change Health Care the original bill collector for this debt owed to city of XXXX I told them that at the time of this ambulance ride I had insurance and that this would need to be charged through to my insurance. They resubmitted the claim to my insurance and my insurance company paid it on the XXXX. This is not shown on my credit report as I still have a collection on my credit report from Penn Credit for the amount of {$510.00}. This needs to be removed as it is stopping me from being able to move.
Consumer complaint received 2021-10-12
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: AMERICAN HONDA FINANCE CORP (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXXXXXX XXXX XXXX and American Honda Finance. The Account Opened is XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. The Account Opened is American Honda Finance Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

I first received notice from my home insurance company ( XXXX ) that my escrow payment for the year hadn't been received, on XX/XX/XXXX. I immediately contact my mortgage servicer, First Home Mortgage Corporation and informed them of the issue. They stated they never received the invoice, so the insurance company emailed the invoice directly to the email address provided by the servicer ( I was CC'ed, so I have evidence of the email and invoice going out ). I then received another email from my insurance company on XX/XX/XXXX stating they still didn't receive the payment. So I contacted my servicer again and provided them the information the insurance company requested as proof of payment in order to avoid cancelation of the policy. I never heard back from the servicer. Then today, on XX/XX/XXXX, the date my policy is set to expire, I receive another email from my insurance company stating they are cancelling my policy because payment was not received. I had to pay the insurance escrow payment out of pocket to avoid my policy being cancelled. It is nearly impossible to get a real person on the phone at First Home Mortgage, let alone one who can actually address the issue.
Consumer complaint received 2017-12-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

Well i refinance my home loan about 2 months after i purchase my home for a lower rate so this company the money source stated that it was a good thing that im refinancing my loan cause they where over charging me for my taxes on the home so it saved me about XXXX each month now after a year and a few months later my home loan with them went up almost XXXX XXXX dollars now they are telling me that my taxes went up so i need pay this amount to catch up with my tax bill and a few days later I get a call from another department of there company asking me do i want to refinance my loan so im like this was a scam all along. They new last year that my taxes where higher then first stated instead of contact me about the new tax fee are the real tax fee i was never contacted to adjust the monthly payment so i could stay ahead of a bad problem
Consumer complaint received 2023-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (OK)

State Collection Services Inc This company sold a debt I paid. I provided the proof that I paid this and they did not close it. Instead, they sold the debt to another company. I spoke to them many times and they verified the debt was paid, but still sold it to another company. It has been a nightmare for 3 years now. When I requested a letter, they never sent one. This company verified it was paid, and said the letters I got from the other debt collectors was probably from another debt. I have never owed another debt in my life. It is for the same debt, same date, same amount. Instead of closing out the debt properly, they sold it and then refuse to take responsibility and instead, insinuate that I owe money to other companies. This is unethical and insulting.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Affirm Holdings, Inc (TX)

In order to access you Affirm account you must provide your cell number, input an access code SMS to your number and then retrieve a code from your email on file. 

I am not receiving the code to my email address. I have checked spam and junk and still nothing. 

I have spoken to them and been told it is fixed three times now and still have no access to my account. 

This account has multiple loans and a savings account all with automatic withdrawals and I have zero access. 

Please help.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I requested on XX/XX/2021 for an investigation on accounts that are on my credit report. After over 30 days their still has not been any written statement showing and proving the accounts on my credit report are accurate.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was made aware of 8 fraudulent student loan accounts on my credit report on XX/XX/2019 by a company called XXXX. I called the company right away and made them aware of the fraud and they refused to listen to me or do anything about it. I asked them to send me proof that it was my debt and they would not. Instead they informed me that they turned the accounts over to a third party collection agency and that they would not discuss them with me and that I needed to call them. I immediately called this third party agency and told them that this debt was not mine and they continuously told me that it was. I began to even break out in tears and demanded how unfair this was and to take the items off of my report immediately. I asked them to send me proof that it was my debt and they said it would take 5-7 business days to get the documents to me via e-mail. After a week I called them back and this time I asked for the manager and him how concerned, upset, and unfair I felt about this debt being on my credit and them still not giving me any type of proof of it or having any urgency to do so. He assured me that he could expedite the process and that he could get me something in three days. After three days nothing came. I continued to call this company day in and day out and almost daily from XX/XX/XXXX to this current day asking them to give me proof of this debt and they still continue to give me the same line about how they are waiting to get the documents from XXXX well into over two months now. There is one same lady that I have spoken with at least a dozen times in this time period that I have been calling them over and over and her name is XXXX XXXX and her number at the company is XXXX. She has nothing to say to me other than that she is waiting to get the documents and sorry to me each time I call.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2021, Midland Credit Management contacted via mail to collect an alleged debt that I now know, according to 15 US 1692, that I do not owe. 

This company violated the FCRA and the FDCPA and the documentation attached will show proof of this. 

I have included as well an Affidavit of Truth ( original signed and notarized ), Debt Validation letter ( original signed ), as well as an invoice so that the company can repay for the debt collected on their behalf that was not permitted being that I, the consumer, am the Original Creditor per 15 USC 1602j ( 2 ).

Also, the information ( address, phone number, account info, alleged debt amount ) obtained from Midland Credit Management for the collection of this alleged debt was never consented by me, the consumer. Violation of 15 USC 1692c ( b ).

The amount total already collected from me that I wish to be repaid is in the amount of {$710.00}, as well as the total for the remaining alleged debt amount due {$400.00}. 

The date the letters and exhibits were sent was XXXX and according to the XXXX tracking receipt, everything was received on XXXX.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX : - XXXX XXXX XXXX XXXX XXXXL XXXX XX/XX/XXXX {$1600.00} - XXXX XXXXY XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$83.00} - XXXX XXXX XXXX DRS XXXX XXXX AND XXXX XX/XX/XXXX {$83.00} INQUIRIES : - XXXX   XXXX NA XX/XX/XXXX XXXX XXXX : - XXXX Apr XXXX {$1400.00} - XXXX Apr XXXX {$1500.00} - XXXX XX/XX/XXXX {$1500.00} - XXXX XX/XX/XXXX {$1000.00} - XXXX XX/XX/XXXX {$1600.00} - XXXX XX/XX/XXXX {$820.00} - XXXX XX/XX/XXXX {$83.00} - XXXX XX/XX/XXXX {$750.00} - XXXX XX/XX/XXXX {$1000.00} - XXXX XX/XX/XXXX {$83.00} - XXXX XX/XX/XXXX {$150.00} INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION COLLECTIONS : - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$83.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$820.00} - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1100.00} - XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$750.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} - XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX {$83.00} INQUIRIES : - XXXX XXXX XX/XX/XXXX 2019
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Check stolen in the mail. 

On XX/XX/XXXX, I received an invoice with a late notice for over 60 days. I wrote the check to the law firm XXXX XXXX XXXX for {$1200.00} and noted in the memo line the invoice # XXXX and the attorneys name, XXXX XXXX, and I put it in the mail to send on XX/XX/XXXX. In XXXX, I received a call from the law firm asking me to check my account to see if my check cleared because they never received my payment but also that XXXX XXXX was a new attorney with the firm and due to that and the holidays the check may not have been attached to the invoice. I did check my account and it showed the check cleared. I never heard any further issue until I received the late invoice on XX/XX/XXXX. 

I contacted my CPA and got a copy of the cleared check and sent to the law firm. They made inquires within the firm about the specific endorsement on the cleared check and they learned no one by the name XXXX XXXX has ever worked at the firm. I immediately alerted my bank, XXXX XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX gave me an Affidavit of Forgery and told me the specific endorsement is clearly fraudulent on its face. She also learned the stolen check was processed by Bank of America in XXXX, VA. Bank of America refused to provide any further details without a subpoena. I have no way of suing the thief nor filing a police report bc I have no information about where the check was presented. XXXX XXXX XXXX XXXX is insured by XXXX. Bank of America is insured by FDIC.
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

Ive never had a XXXX. This is do to identity theft which i have been fighting and correcting over the past years. The amount is $ XXXX which is a phone bill ive never had me in life with XXXX which who i have.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

IXXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, I got XXXX XXXX, and it was pretty bad. Trying to settle pay debt. It's just not as fast as the company wants.
Consumer complaint received 2021-10-12
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)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Barclays Bank Delaware and XXXX XXXX XXXX. The Account Opened is Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. The Account Opened is XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (FL)

on XX/XX/2021. Midland Funding increased my debt by {$580.00} without notice or to reach out to me. I have called previously last year and gave them my address and they have never sent anything to my correct address. now I am calling them because I saw the increase on the debt and wanted to try to work a payment plan. but they stated that they have contacted my employer to do wage garnishments without even notifying me.
Consumer complaint received 2023-03-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ID)

as of now my Navient account says I have a {$0.00} Balance. It should be paid off. but my credit report does not reflect. 
Account # XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Highest balance {$2600.00} Nice! You've paid off 58 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$2600.00} Monthly payment {$48.00} Opened XX/XX/XXXX ( 16 yrs, 3 mos ) Term 118 months ( 9 years ) I have been paying this loan for 16 years and was supposed to have no interest. When I realized the payments I was making were only covering a portion of the principal loan. I realized I had paid this off long ago. I was given payment forgiveness after covid but they are still reporting it late.