davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-21
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. (SC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED XXXX 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WV)

We made a purchase of {$11000.00} as part of a credit card promotion : Pay no interest if paid in full within 6 or 12 months. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the 6 or 12 months or if you make a late payment. **No Interest if paid in full within 6 or 12 months. Interest will be charged to your account ( at the standard, variable APR of 29.49 % based on the Prime Rate ) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase of {$500.00} for the 6 month plan or {$1500.00} for the 12 month plan. XXXX XXXX Credit Card Accounts are offered by Comenity Capital Bank, which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than {$27.00}. Minimum Interest Charge is {$2.00}. Standard variable APR of 29.49 % based on the Prime Rate. 
Payments of {$650.00} were made by automated payment setup through our bank on or around the XXXX of every month to waive interest costs if paid in full by the term 's due date. Monthly due dates were on the XXXX of each month. However, the last month 's payment date was on the XXXX of XX/XX/2019. The payment was made in that month on the usual date of the XXXX, which was still only six days late. We realized our mistake after thinking everything would be automatically taken care of and called the XXXX XXXX credit card customer service which is Comenity Bank. We were passed around from person to person while they claimed that our issue was being escalated. Every response was the same and no negotiation took place at all. We feel that the early due date on the last month is to intentionally trap people who use automated bill payments or those who budget bill payments at the end of the month. We think that due to the fact no one would try and negotiate with us, and being so obtuse, when all our payments were made in good faith, indicates they intentionally try to trick people into paying the 29.49 % interest.
Consumer complaint received 2020-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

The company does not allow changes to be made to autopay of the mortgage online. I called and there is nobody available to remove these automatic payments. This is not the first time I have this problem and there has never been an explanation for why automatic recurring payments for mortgage can't be cancelled or modified online.
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV INC. (IL)

I have a contract with XXXX First Data. Due to what is going on with the entire world right now ( XX/XX/2020 ) I am having to close my business down. The customer service representative was not empathetic or understanding at all. As of now I am making XXXX and going under very quickly with everyone staying in and terminating their appointments. He told me i could suspebd and push back payments for 2 months only. I advised this representative that i am haveing to close fown the business because XXXX revenue being closed in that having payments build up for 2 months and in the end owing for 3 months will not help me. He then proceded to tell me I would be turned over to a collection agency. He said that statement to me over and over again. He never once tried to send me to someone higher up. 
Due to everything going on right now, I have ended several other contracts early and the companies were very inderstanding and wiped all that was left away. I am not closing down because I am a bad business owner, but because people are affraid of going out in the world and getting sick. 
I will never recommend this company for being non understanding of the horrible situation the economy is in. I have reached out to people with the clmoany and have received nothing back.
Consumer complaint received 2020-02-15
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. (FL)

On XX/XX/XXXX Equifax received my certified letter to investigate collections accounts on my credit report, to verify validity, provide original creditors, person contacted for validation etc. to date I have never received any information from Equifax. In fact it has been almost 60 days and my accounts say under investigation. The fair credit act states if the debt can not be validated in 30 days they must be removed. 
Also common wealth is a third party collection company who has sold the debt. The credit laws state old debt collections must be removed when requested by the consumer. I have requested this be removed, with no response or removal. I had several hard inquiries on Equifax which I did not give approval for. I requested in writing these inquiries be removed. To date they remain on my credit report from Equifax. 
Equifax has all the wrong balance ps on my open accounts. My credit score has not changed from Equifax in months. The Equifax credit score is over 100 points lower than my other credit reports from XXXX  and XXXX. 
This is causing me unfair and unnecessary financial hardships.
Consumer complaint received 2020-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

I presently wanted to enroll to a different college. After deciding to commit in their program I was automatically put in the student aid office process. There the loan advisor informed me of a Personal Loan obtain under my mother 's name when I enrolled at XXXX without my consent or her permission. No social security number was provided of hers and the only signature of hers provided was in fact in the copy of my birth certificate which I provided as US citizen proof. The issue is that a profile was generated for me and another for her on Nelnet loan Servicer website. Hers is titled as a Mortgage. Under FSA it's a PPL and the school no longer exist thus request I've submitted requesting signature loan application that I only sign have not been provided by Nelnet, which by the way manufactured the account illustrating Nelnet as the sole loan provider they claim she independently requested. That goes for account in my name. Get this : if I call to speak of the account in her name I'm denied since she has not notified that I'm allowed. So why didn't they notify her that they have an account in her name that has accrued subsequent amount in dept that legalized these businesses to profit margins stemming from causing debt I did attend XXXX did obtain aid. I need this corrected so that I pay it back. My two initial loans were XXXX. The program was XXXX. I worked for XXXX as a recruiter while studying the second half at XXXX XXXX N.campus. As incentive if ONE of my scheduled recruits were closed by a Licensed enrollment counselor my post graduate repayment obligations could reduce. ( 3 ) of my recruits committed. On the last day I was handed a bonus commission check for XXXX. Today according to Nelnet I owe XXXX. I thank you for your time.
Consumer complaint received 2020-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST PORTFOLIO SERVICING INC (SC)

Due to the covid-19 situation, I lost my income and am unable to make the minimum payment on this loan that was due on XX/XX/2020. I contacted the lender on XX/XX/2020 to ask if I could defer the loan 3 months ( as other lenders had done ). The representative said he would put a request in and that I should receive an email w/documents that I will need to fill out and turn back in. It would take 1-2 business days. I called back on XX/XX/2020 to make sure this was done. The representative checked and yes, the request had been sent, but nothing was emailed to me yet. Should receive it that evening. Called back and emailed on XX/XX/2020 ... .still nothing received and they had no information for me. They said again, email should be sent by end of day. Called on XX/XX/2020, still no email and again told the same info ... except today I am told it takes 1-3 business days and possibly longer. Should receive email soon. Each day I have told them I have never been late on a payment. I am told I have a grace period until XX/XX/2020. Called again on XX/XX/2020 and I am told the same-I ask for a supervisor. He says they do not have any new info. He also says that some requests have been unanswered for months and he does not know if there is anything they can do for me. They have not received any guidance from the managers. He gives me the email address to email them directly. I have not received a response from that email ; or, the one I sent on XX/XX/2020. I am not able to get any answers from this company and basically I am not able to pay on this loan at this time. I was set to pay it off this year. I am very distraught and concerned as I have NEVER been late on a payment and all I receive from them is lip service.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have unsuccessfully attempted to contact Equifax directly in reference to a negative public mark on my report, even with confirmations of inaccuracies. This bankruptcy item was paid prior to judgement and never had a balance. This case was filled in error in 2013, and was dissolved within days of the filing. 

This same information was conveyed, acknowledge, and removed by the other 2 credit bureaus [ XXXX  & XXXX  ]. However, Equifax did not remove the item and could not be reached other than electronic disputes that merely implemented conflicting rulings. 

I have continuously been subjected to multiple report breeches currently and in the past, which have always made my credit report vulnerable to identity theft and online predators. To my knowledge, Equifax uses XXXX XXXX XXXX as a facilitator and buffer to justify their ambiguous results. I'm open to any suggestions because I feel that I'm being treated unfairly and my credit is very sacred to me. I have exceptional credit and I work very hard to maintain it on a continuous basis. Thank you for listening.
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCash Holding LLC (NC)

This company has continued to call me, send regular correspondence and certified correspondence to attempt to collect a debt I have included in my active chapter XXXX bankruptcy. 

I notified two members of their staff on 2 separate occasions of my case information and am still receiving calls and letters. 

This is a violation of the bankruptcy automatic stay. 

I have also emailed them via their customer service email address listed on their website twice ( XX/XX/XXXX and XX/XX/XXXX ). 

They have sent 2 correspondence regular mail and 1 correspondence via certified mail in attempt to collect a debt. 

This is ridiculous and a violation of bankruptcy law.
Consumer complaint received 2020-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (WI)

After receiving calls from Midland Credit Management from multiple numbers ( XXXX, XXXX, XXXX ) and no voicemails left by these numbers, I searched the numbers on XXXX. I went to the company 's website from XXXX to look up my account via name and last 4 of my SSN because I didn't have an account number. No account was found, so I then emailed via the company website to stop calling on/around XX/XX/XXXX. I emailed again on XX/XX/XXXX after receiving a call from XXXX. On XX/XX/XXXX, I received a call at XXXX XXXX  ( CST ) from XXXX. On XX/XX/XXXX, I received a call again from that number at XXXX XXXX  ( CST ). I received calls on XX/XX/XXXX ( XXXX ), XXXX ( XXXX ).
Consumer complaint received 2020-11-19
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. (CA)

I have a XXXX XXXX XXXX credit card that I paid-off in two payments, one for {$300.00} on XX/XX/2020 and for {$21.00} on XXXX. For some reason, the bank had a billing issue and XXXXXXXX XXXX XXXX can not verify the {$300.00} dollar payment. For that the bank decided to label my account as delinquency due to no payment received and later as charge off. 
First, they never send me a letter or notice to clarify the billing problem even when I paid off, I already probe it, they had the obligation to contact me to resolve this matter. Second, they should not just label and report to the credit bureaus my account as charge-off, that hits my credit score and credit liability ; this can not be a change off because, if the {$300.00} payment was returned -not the case- I made a second payment for {$21.00} dollars leaving the account in good standing. 
This is not confusing, the account received both payments on time and is XXXX balance, can not be a charge-off because it doesnt fit on the criteria to label an account as collection/charge off, such as delinquency and period of time without payments. 
I tired to resolve this issue with XXXXXXXX XXXX XXXX  several times but every time that I try the representatives get confuse and do not provide a real solution. I requested an investigation, in one call they told me a investigation was opened and in a different call they told me they can not open a investigation if I dont send bank statements to confirm the {$300.00} payment was made, in a different call they said they already made an investigation but not providing any results. I am tired of this and the worst is that the charge-off is hurting my credit score ; I am about to close escrow to purchase a home, this can prevent me to close it and losing thousands of dollars in home deposit.
Consumer complaint received 2019-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

XXXX and G.L.A Collection Company has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay G.L.A. Collection Company, Incorporated, which XXXX reports negatively that I owe this company. 

Both of these companies have also failed to provide me the method in which they used to verify this inaccurate and incomplete debt. 

XXXX reports negative entries listing I owe {$830.00} and {$570.00} on XX/XX/2018. There is no contract. This debt is not mine.
Consumer complaint received 2020-03-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I have been trying for weeks to have Chase Bank release funds in line with a Florida Court Order to the beneficiaries of my Mom 's estate. I called and visited the bank in person and provided the original Court order but the bank refused to release checks as captured in the Court order. The bank officer that I met with called their legal department when I was there and after a 45 minute hold was advised that the legal department would have to review the court order and that I would be provided with an update in three business days. I have since called and e-mailed the branch but have yet received the courtesy of any reply or update. I do not have access to the account but my cell phone is linked to it so I get text alerts with respect to account activity. Rather than issuing the funds as required by the court order, Chase for some reason made a significant payment from my deceesed Mom 's account on XX/XX/XXXX, I subsequently received a text indicating that the account was overdrawn by {$99.00} XXXX. My mom has been deceased since XX/XX/XXXX and there was definitely no justification for the Medicare payment. The bank has been reckless, incompetent and completely unresponsive. These are difficult economic times and we need to faciliate the release of these funds without further delay.
Consumer complaint received 2020-03-21
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)

A fraudulent account from XXXX XXXX is reporting on my credit. I did not live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (CO)

My wife and I were shopping for a new table at XXXX XXXX at XXXX XXXX in XXXX. We waited patiently but was never approached for help. We had already found the item online and wanted to see it before purchasing. When we finally sought out an employee to ask for assistance they quickly informed us the the table was not at the location and walked away. 
After leaving the store we still wanted to purchase the table hoping the disrespectful employees where not the norm. After calling XXXX  to set up a membership we decided to apply for a line of credit. The line of credit we denied due to an " inability to verify your previous credit experience ''. This is strange since I have cared many different lines of credit for over 17 years, with combined limits over 20k. I have pulled my own credit report and can not understand why I was denied. I hope that it is not related to the treatment we received in store but worry that having a name of XXXX XXXX was negatively used against me in this decision. 
I would appreciate any help in gaining more information from both XXXX and Comenity Bank in relation to the credit card decision and the action of their employees in XXXX   stores.
Consumer complaint received 2020-03-21
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: FORD MOTOR CREDIT CO. (FL)

To whom it may concern, I have tons of old debts, collections, and charge-offs on my credit file. Some are very old that should have fallen off by now, and some that may show inaccurate amounts. I was turned down for being pre-approved for a va home loan. However, these old debts were calculated and mostly the ones I paid in full. 


1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX ( inaccurate dates ) account was opened XX/XX/XXXX in XXXX XXXX Utah located at the XXXX inside of XXXX XXXX 's building when I was in training to become a XXXX XXXX. Date is showing I opened this acct XX/XX/XXXX. This information is false. 
5. XXXX XXXX XXXX XXXX 6. XXXX is still on my credit file after 8 years and payment in full. 
7. Ford Motor Credit was supposed to settle this debt after the SCRA case was closed.
Consumer complaint received 2020-01-22
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. (PA)

In 2019, several attempts were made to request that Comenity Bank/XXXX accurately report the status of my former account as " paid ''. Disputes were submitted to credit bureaus and requests were made to Comenity Bank. 

Comenity Bank has continue to inaccurately report the status of this account, even though it was sold to another entity, and subsequently paid. The account is not in a current " charge off status ''. I was given assurances that this status would be removed, and updated to " paid ''.
Consumer complaint received 2020-03-21
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: EQUIFAX, INC. (TX)

file ftc on these companies ftc file number XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. XXXX XXXXXXXX XXXX XXXX  XXXX Ccs Collec Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. Among other things, the FDCPA bars collectors from using obscene or profane language, threatening violence, calling consumers repeatedly or at unreasonable hours, misrepresenting a consumers legal rights, disclosing a consumers personal affairs to third parties, and obtaining information about a consumer through false pretenses. Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.