davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am submitting a complaint regarding a settled account inaccurately reported as a charge-off by XXXX XXXX XXXX. This account was settled for less than the full balance, yet both bureaus continue to report it derogatorily, negatively impacting my credit profile. 

Experian reflects the account as " {$0.00} paid '' and " legally paid in full for less than full balance. '' However, this designation still adversely affects my creditworthiness, prompting my request for deletion from all three bureaus. 

These inconsistencies violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) regarding accurate reporting and 1681i concerning my right to dispute inaccuracies. Additionally, the reporting of charge-offs for multiple months may violate regulations on timely reporting. 

I request the CFPB intervene to ensure XXXXXXXX XXXX XXXX  delete this account entirely and to work with Experian to remove it as well. Its presence misrepresents my creditworthiness and has caused me undue stress. I urge the CFPB to take action to protect my rights as a consumer.
Consumer complaint received 2018-01-18
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. (VA)

I reached out to Transunion, XXXX, and XXXX several times regarding unauthorized credit accounts, incorrect information, and unauthorized Credit Inquiries in all my 3 Credit Reports. I 've been given the run around with all 3 Transunion, XXXX, and XXXX, and their workers/Supervisors. I reached out also directly to the companies who 's information is listed in my Credit Report. They have me on hold for hours at a time trying to get this resolved. Then im being forwarded again back to the Credit Bureau to resolve the issue. They have a total of 3-6 fraudulent accounts in my report and 15 unauthorized & fraudulent inquiries in my report. I had place a credit fraud alert on my credit reports. And it was apparently useless. Because I was never notified by the Bureaus of these unauthorized accounts and/or inquiries being initiated and opened up in my Reports. Transunion also had a computer glitch. Which they inserted and reinserted these inquiries in my report. Again, I was never notified about this.
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (UT)

I disputed the debt and amount that I they claimed I owed from the beginning. It was a personal cell phone bill that they claimed I owed {$2300.00}. Finally on XXXX XXXX XXXX I agreed to settle with them for {$1100.00}. In exchange AFNI agreed to remove any and all negative information reported on my credit. 
I was recently rejected for an auto loan. Upon examining my credit with XXXX, I discovered the only negative information was from this same AFNI account. 
The AFNI collection agent made false and misleading statements in order to get me to pay the {$1100.00} settlement, then neglected to remove the negative information. 

I have disputed the information with XXXX. I received notice today XXXX that AFNI confirmed the negative information. I spoke today with a XXXX XXXX XXXX, supervisor with AFNI who informed me that they never remove negative information as part of a settlement. He informed me that they will not remove the collection account from my credit. 
This constitutes a financial hardship for my family, as we are unable to obtain credit, except at astronomical interest rates. I am obligated by contract to refinance my home by this spring, and can not do it while this is still on my credit.
Consumer complaint received 2018-01-18
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. (MI)

On XXXX/XXXX/XXXX I contacted Equifax, XXXX and XXXX Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between Equifax, XXXX, and XXXX as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official FICO credit report highlighting the inaccurate information. I was already a victim of the XXXX Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.
Consumer complaint received 2017-10-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (VA)

I signed up for the loan over the phone, I feel tricked as I did n't understand how much interest I would end up paying. I initially borrowed XXXX dollars, at the end of the loan I have paid nearly XXXX in 6 months. On XXXX XXXX I emailed the company stating I would no longer be paying interest on a loan that has been paid plus XXXX in interest. I recieved no response until XXXX XXXX when they took an additional XXXX from my account plus the monthly payment.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

About XX/XX/XXXX I contacted Bank of America, after I had received a 0 % Consolidation Loan offer. I told customer service person that I did not want the loan if I could not get all of my credit cards consolidated. I also told them I did not want another credit card. I called twice and told them that I had not received an answer to the consolidation and if the could not do it cancel my request because I did not want another credit card debt. The service person said ok. 

On XXXX XXXX 2018 I called XXXX XXXX customer service and put in a complaint with XXXX ( XXXX ). She would not give me a ID # -said she could only give out first name. I told her that I had received a credit card from Bank of America without my permission, that I only wanted a consolidation loan if they could pay off all credit card dedt, Bank of America had force me into financial hardship/abuse, Do not want their credit card, and feel that the advertising I received from them was fault and deceeding.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Received phone call XX/XX/2018 from a rep from XXXX XXXX XXXX stating that my file was in the legal department and the next was to sue me for an unpaid debt. After expressing and providing proof of my lawsuit of me suing XXXX XXXX XXXX that closed my accounts and withheld my wages. I paid payments and this company still decided to send me to collections. This is now preventing me from getting another job. This needs to be put into law that creditors can not put this on your credit when trying to obtain employment. They were also aware of my situation also that i was constructively fired from XXXX XXXX XXXX as well. After making payments even in light of this information they still sent me to collections, again as banker my credit should not be affected due to no fault of my own thereby preventing me from getting a job that would help me to pay this off. The next step is court!
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GULF COAST COLLECTION BUREAU, INC. (MD)

" Gulf Coast Collections Bureau '' called to collect a debt. I had missed the phone call, so when I called back the representative would provide no information on the reason for the call. I was asked repeatedly to verify personal information. I stated that I was uncomfortable verifying personal information over the phone to an unknown party with no stated reason for calling. Representative disconnected the phone. 

I called back a second time and a representative picked up the phone and said " XXXX '' and disconnected the phone. 

I called back a third time to speak with a supervisor who refused to provide me the reason for the call and again asked me to verify personal information. 

No professional license number was provided by the supervisor nor was the reason for or the 3rd party for whom said debt was being collected. 

The supervisor suggested that I request to be placed on a " no call '' list which i interpreted as a manipulative way to threaten my credit rating. If a debt were legitimately being sought after, this would most certainly damage my credit.
Consumer complaint received 2018-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (DE)

On XX/2016 Wells Fargo was my note holder as well as the holder of the Home Equity line of credit. When the home was sold the Home equity line of credit was supposed to be paid off. I have contacted the attorney that represented me, XXXX XXXX XXXX PA law offices. The Law office advised me that there was a mistake made. I have been paying on this Home equity line of credit for 1.5 years believing that it was my mistake. I recently discovered that not only am I not getting the mortgage interest write off but that the home equity line of credit extended by Wells Fargo should be paid by the home owner. I have contacted Wells Fargo as well as the attorney office and have gotten little to no help. I was told there was a title mistake made. I have been told the attorney made a mistake. I have also been told that Wells Fargo made a mistake. I do not understand why I have been paying for this ( automatic withdraw ) for 1 year and 6 months. Please help in however you can. Thank you.
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stephen Einstein & Associates, P.C. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX VIA FAX XXXX 3 PAGES XX/XX/XXXX Docket Number : XXXX  Index Number : XXXX Docket Number : XXXX Index Number : XXXX Dear XXXX XXXX ; I am in receipt of the two notices of garnishment received by regular mail Tuesday.

Please be advised of my interaction with Stephen Einstein & Associates and respond accordingly. I will have this order vacated based on the fraudulent activity of that firm. After receiving a collection letter from them and making contact in XX/XX/XXXX, I had several disturbing conversations with a XXXX XXXX from Stephen Einstein & Associates regarding XXXX XXXX XXXX XXXX XXXX. Based on his grammar, unprofessionalism and telephone demeaner, I pretty much determined this was some type of scam. XXXX XXXX then began harassing me via telephone. I have continually asked for proof that this debt is indeed mine, on the telephone, by snail mail and email. XXXX XXXX XXXX XXXX Debt was NEVER mentioned in all that time or any of these conversations.

I then contacted the firm via email, asking that XXXX XXXX stop harassing me by telephone and that I be provided with the proof Ive been demanding for over a year. XXXX XXXX at Stephen Einstein replied to my email promised the calls would stop and I would be provided with documentation. THIS NEVER HAPPENED AND I NEVER HEARD FROM THEM AGAIN.

Further confirming my suspicions that this was fraudulent. To now find they have sought not just one but two judgments is absolutely dumbfounding. This truly seems to be punitive, this firms is harassing me based on my insult to XXXX XXXX and his terrible grammar -I still dont believe he is a lawyer. Maybe he is acting alone, but his behavior is not only egregious its fraudulent.

I was never served, never given the opportunity to defend myself, and I was never presented with the evidence against me.

Please contact me regarding my next step in vacating this fraudulent judgement and subsequent garnishment.

Sincerely, XXXX XXXX CC : Stephen Einstein & Associates via email XXXX
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Turning Point Solutions LLC (TX)

XXXX XXXXXXXX XXXX called me on XX/XX/18 and XX/XX/18 *I asked them to stop calling me and to only communicate with me in writing *I sent a certified letter asking them to discontinue calling me and all further communications should be done in writing. 
*The certified letter was received on XX/XX/18 ( tracking # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXXs continues to call and I have two voicemail messages from them on XX/XX/18 lasting 20 seconds and on XX/XX/18 lasting 31 seconds.
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (TX)

I purchased a XXXX XXXX XXXX through XXXX XXXX in XXXX, TX on XX/XX/XXXX.

The amount to paid off is {$18.00}, XXXX  on the vehicle. I voluntarily gave the vehicle back on XX/XX/XXXX. XXXX is now known as Bridgecrest. Non of may payments were ever reported to any of the 3 major credit bureau indicating that I had an existing car loan.

Additionally, when I fell behind three payments in XX/XX/XXXX harassed me and threaten to repossess the vehicle unless I sign document s to put payments on the back-end and I would still be charged the interest on it daily. I feel that I was taken advantage of through predatory lending.

Also, the language in the contract was one-sided. It stated that The arbitration agreement itself contains a clause that states, in relevant part, Unless you reject this Agreement, this Agreement provides that upon your or our election, all disputes between you and us will be resolved by BINDING ARBITRATION.

If you or we elect arbitration, you will be GIVING UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under the Contract ( except for individual claims that may be taken to small claims court ).

Your rights will be determined by a NEUTRAL ARBITRATOR AND NOT by a JUDGE OR JURY
Consumer complaint received 2018-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

RE : Complaint against Wells Fargo Home owner in Texas and my house was destroyed in hurricane XXXX. I did not have flood insurance and was forced to get an SBA Loan to cover the costs to repair my home. Wells Fargo had set up a disaster and recovery dept. specifically designed to help people like myself in need of these recent XXXX disasters, but have hindered every effort thus far. The Wells Fargo case manager, XXXX XXXX was first placed on my case but never communicated with me. Once I informed Wells Fargo I had heard nothing from this XXXX another representative by the name of XXXX XXXX was put in charge of my case. XXXX XXXX informed me per recorded line that I had to fax certain docs and 2-3 days later this whole process would be completed. The docs were faxed on XX/XX/XXXX at XXXX ( time stamped receipts to prove time/date ) and the " 2-3 '' day deadline would have been XX/XX/XXXX or XXXX. Meanwhile, we have no walls on the first floor of our home and its been freezing temperatures. I have been calling Wells Fargo and pleading every day this week to please provide feed back. I then find out that the case has now been given to yet another representative, XXXX XXXX. It is day 6 and I 've been calling every day with a guarantee " per recorded line '' that this XXXX would contact me but still nothing ; no phone calls, emails, or postal mail. The ridiculous sad part about all of this is that Wells Fargo only has to fill out 1 piece of paper for the me to close on my SBA Loan. Wells Fargo is refusing to return my calls or provide me with this 1 piece of paper. Seeking legal counsel is no problem, however, I should not have to. We 're talking 1 piece of paper here and I have been waiting nearly a month for it. 

Thank you
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

Had a negative balance of {$160.00} due to needing to make an emergency purchase and scheduled payments being removed from account, the amounts that sent my account into negative balance were pending. Transferred money, {$190.00}, via XXXX direct deposit to the account to cover the negative balance until next paycheck. Amount should have showed as pending but it was not deposited until after midnight, which is also when the two charges causing the negative balance would have exited their pending status. 

Was charged two {$34.00} overdraft fees, sending my account balance back into negative balance because the transferred money was not enough to cover the initial amount and the {$68.00} in fees. Bank refuses to refund the overdaft fees even though the 2 charges that sent the Account into negative balance initially were not posted until the same business day that the transfer was posted.
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX XXXX has been calling family members and harassing them about a " PayPal '' credit debit they say I owe. I do n't have a PayPal account, I 've never had a PayPal account and I 've never had PayPal credit. I am a victim of identity theft. In the past two years several accounts were opened in my name after my identity documents were stolen from my apartment. I have attached a copy of the police report to this complaint as well as copies from other creditors that did their own independent investigations and found I was a victim of identity theft and the FTC Affidavit of identity theft. I will attach PayPal to this complaint to inform them of the complaint. 

XXXX XXXX XXXX is not to contact me by phone again or make any attempts to reach me by phone again.
Consumer complaint received 2017-10-11
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. (VA)

I filed a complaint on XXXX with XXXX XXXX XXXX and also with Transunion for a collection that was recently placed on my credit reports by a collection agency named XXXX XXXX XXXX. Allegedly, the collection agency, XXXX XXXX XXXX, claims that I have a unpaid XXXX loan with a company called XXXX XXXX in the amount of {$1200.00}. 

In the XXXX XXXX Virginia, it is against the law to obtain XXXX XXXX loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the XXXX of Virginia. With those laws in effect, how would it be possible for me to take out said loan. 

Also the XXXX loan laws in Virginia state that the maximum amount you can borrow at XXXX time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}. 

I was not notified by mail or by phone by XXXX XXXX XXXX of this alleged XXXX XXXX prior to it being reported to the credit bureaus. I 'm not even sure if XXXX XXXX XXXX is a licensed to do business in the XXXX of Virginia.
Consumer complaint received 2018-01-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have made repeated phone calls to Huntington, to set up a payment plan and to find out the amounts owed on the debt. In XX/XX/XXXXmy balance on my credit report said {$890.00}, I was told I had to pay an initial {$200.00} in order to set up a payment plan to which I would pay at least {$50.00} each month by the XXXX of every month. I have since paid at least {$50.00} if not more a month. I have pulled my credit report and watched the dollar amount I owe decrease every time. I called 2 months to attempt to settle the debt because according to the credit reports I pulled it was under {$200.00} left on the credit. The gentleman I spoke to then was argumentative, could not explain how or why the credit report was reporting a lesser amount then what Huntington is saying I owe. I asked for a copy of my proof of payment they have and he agreed to send it, but I never received it. In attempt to make my final payment and get the negative debt off of my credit report completely I sent a pay to delete letter to Huntington on XX/XX/XXXX stating that I would pay the balance of {$32.00} to erase the debt. On my credit reports that is what the balance shows. I received a letter stating my balance is {$700.00}. I have explained that no letters have been sent stating a balance other than the letter that was just sent XX/XX/XXXX. Since they have continuously reported to the credit bureaus every single month if it was some sort of mistake it should have been caught a long time ago. It is a drastic amount from the {$32.00} balance this month that they have reported the balance to the credit bureau versus the {$700.00} they are now stating that I owe. I spoke to 2 people onXX/XX/XXXX from Huntington, 1 could not give me any answer and to why it is 2 balances and Huntington has incorrectly reported, I asked for a manager she told me it could possibly be because they do not report to the credit bureau every month. When I stated according the reports I have pulled, it updates every month she placed me on hold. After waiting several minutes she came back and informed me that yes they do report every month but still could not give an explanation for why this balance is coming up incorrectly every month. I refuse to pay an amount other than what is on my credit report.