davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank ( XXXX  ) has called me repeatedly sometimes twice per day even if I have talked to them. They told me to set up 3 payments by phone which I did. They said they would remove late charges for those 3 months and that I would be caught up. That was 3 months ago. They still call me constantly demanding payment saying I am behind even though 2 payments have been made and 1 more is scheduled to come out the end of the month. Late charges still being charged to me. Today someone called, same as yesterday. I told them the same thing. Payments are set up like you asking stop calling me. She kept trying to tall over me and she was rude. She finally said, " It's my turn to talk and you are going to listen ''. I have called them and explained the situation and told them they are harassing me. They have been asked to stop calling repeatedly and they still call. They have violated my rights by harassing me.
Consumer complaint received 2019-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Someone had access my Pentagon Federal Credit Union with my username and password, online. He/she also created account on XXXX XXXX XXXX in my name and used my address, and then login-ed into this account, transferred/moved money from my accounts from my Pentagon Federal Credit Union to XXXX XXXX XXXX 

After one of the managers at PenFed Credit Union, who was helping me to create new login and new accounts, when I found out about it on XX/XX/2018and went and report to PenFed Credit Union. 

One of the managers at PenFed Credit Union, accredited me with {$35000.00}. 
However, there are still missing 15.000.00 from my old accounts and my new new accounts. I had been see this manager and other managers almost every weekends, since then. Every times, I asked about this missing money, PenFed managers are saying that I needed to file the complain with XXXX Police because of 'Fraud '. The case number for this event is # XXXX 1. One {$5000.00} was transfer from my other credit card account XXXX, XXXX XXXX XXXX then this money were go through XXXXXX/XX/XXXX. I did spoke with managers at XXXX XXXX XXXX XXXX and they all said that I had to speak to Penfed CU. 
2. The other {$10000.00} were transferred from my olds PenFed accounts to XXXX XX/XX/XXXX Credit Card account had not been accounted for. They, PenFed fraud department, think their other manager, somehow missing/forget that. 

One of the manager told me after I file the complained with XXXX Police, they ( PenFed ) will give me this amount of money back to me, but until now, I have not get it back yet. I had been see this manager and other manager almost every weeks since then, and filled out a lot of papers Could some one, please help me to get my missing money back? 

Regards. 
XXXX Bank Name Pentagon Federal Credit Union
Consumer complaint received 2019-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc. (UT)

North American Recovery is attempting to collect on a debt I don't owe. I've already paid this debt off and it should not be reflecting on my credit file. I am requesting that this debt be removed off of my credit file as it is not accurate.
Consumer complaint received 2019-09-03
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. (NY)

I contacted the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my report
Consumer complaint received 2019-08-14
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. (MD)

In XX/XX/2019, the President XXXX XXXX  the XXXX XXXX   for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XX/XX/XXXXcame, XXXX XXXX took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ XXXX monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, XXXX account report a 30 days late from XXXX XXXX on my Experian and XXXX and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (MD)

I contacted Chase by using its secure message center to inquire about the balance transfer fees when using the convenience checks. I asked representatives repeatedly about the fees to see if the bank would be able to adjust the fees PRIOR to using the checks. The representatives responded and stated that they would not be able to do anything UNTIL the checks were posted to the account first, then they'd be able to see what they could do to assist me. I stated a couple of times in writing that I was unwilling and unable to pay {$920.00} in fees as it's exorbitant. And, I stated that I was unwilling to take on the risk without getting assurance that Chase would consider adjusting the fees. 

Then, I went ahead and deposited the checks because they had to be posted first in order for Chase to review my account and assist. The fees were posted to my account. I then immediately followed up with Chase and did not get a response. I had to follow up again by phone to discuss the matter. They denied my request and said they could not adjust the fees because the system would not allow them to do so. I felt cheated and led on because had they told me at the outset, I would NOT have used the convenience checks. I feel Chase has taken advantage of me. I then wrote a letter to dispute Chase 's decision along with supporting documentation of my e-mail correspondence with Chase representatives for proof. Further, I escalated the matter to Chase Executive Department for a second review due to the decision being totally unfair and unacceptable. I recently received a phone call from XXXX in the Chase Executive Department stating that the fees would not be waived. I find the whole situation completely unacceptable. As I mentioned previously, I would not have used the checks had I received a straight answer that the fees would not be adjusted after posting to the account. I was baited and led on.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (MI)

I was contacted by IQ Data International repeatedly on behalf of XXXX XXXX Apartment in XXXX XXXX for a debt that is listed on my credit report. On XX/XX/XXXX, I was contacted by a representative of IQ and was yelled at, berated, and talked over, after I told him I was not able to speak at the moment since I was picking up my XXXX XXXX XXXX XX/XX/XXXX from school. Because of our interaction, I called back and asked that the representative be taken off of my account. Instead, I was routed to the same rude representative who continued to yell at and harass me before connecting me to his manager, who introduced himself as an Operations Manager. From there, the operations manager demanded that I tell him why I wanted the representative off of my account. I told him I could not tell him because my daughter was in the car and I didn't want her to hear it but that he could replay our conversation since the calls are recorded. He then rudely and loudly reprimanded me for not wanting to talk to him and I told him I had every right to ask that the representative not call me anymore. From there, the operations manager slammed the phone down, hanging up on me. Their tone and language was so harmful that I almost had my husband call them on my behalf. Instead, I am passing along this information to you.

I was previously going to speak with them about discussing the account 's validity and resolving the debt but now I do not want ANYONE from IQ Data International to contact me anymore and it frightens me that many people are facing this type of harassment and abusive tone and language everyday. They should no longer be in business and I have no idea how they are successful in collecting debts if they are bullying, harassing, and berating consumers like this on a daily basis. With their  behavior, I wouldn't be surprised if customers DIDN'T pay them, just out of fear of interacting with them. I have never in my life been so disrespected by people who are asking me for money. I understand that everyone has a job, but that doesn't give people a right to behave in such a barbaric manner. 

To be clear, I would like them to be removed from this industry or, in the very least, be penalized for this behavior. I also do not want anyone from IQ Data International to  reach out to me ever again. If I continue to be harassed, I WILL hire an attorney.
Consumer complaint received 2019-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (NJ)

I have been trying to remove my FHA mortgage insurance and my mortgage company is denying my request. My wife and I bought the home in XXXX and FHA streamline refinanced in early XXXX. The loan was sold to XXXX XXXX shortly after the refinance. This year, I made a large principle curtailment payment of {$9500.00} on XX/XX/XXXX to reduce my Loan to Value ratio below 78 % and sent a request for XXXX  to remove the mortgage insurance via USPS on  XX/XX/XXXX. Within the month, my loan was sold to another company ( Village Capital & Investment, LLC ). I sent my first request to Village Capital ( via USPS ) to remove the mortgage insurance on XX/XX/XXXX and did not receive a response from them. I called their customer support in late XXXX and finally received a response via USPS letter dated XX/XX/XXXX that said my loan to value ratio was currently at 81 %. I called them again on XX/XX/XXXX and spoke with someone in the escrow department who ( incorrectly ) tried to tell me that loan to value ratio is calculated on the starting mortgage principle amount, not the value of the home at original purchase. As requested, I sent an email followup to the escrow department on XX/XX/XXXX to refute that claim and to tell them that the FHA connection printout they provided had an incorrect " Unpaid Balance '' ( it didn't include the principle curtail payment ). I have called several times since then and either I can not get ahold of the escrow department or don't get a return correspondence.
Consumer complaint received 2019-08-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Outsource Group, Inc (TX)

I was away from work for about a week. When I returned there was a recorded message on my voice mail from MediCredit from XXXX XXXX on Saturday, XX/XX/XXXX. I have given the hospital my home phone and do not want calls to my work phone -- especially at XXXX XXXX   from a robo caller.
Consumer complaint received 2019-08-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I withdrew {$1500.00} from CashNetUSA, and paid them back {$1500.00}, resulting in a remaining account balance of {$1300.00}. I have paid them back 100 % of the amount withdrawn and they claim i still owe 90 %. So what they are representing is in order to pay back {$1500.00} i will end up paying them {$15000.00}. Which means 1,000 % interest on loans! They have taken 7 payments in 4 months, XX/XX/19 - XX/XX/19, and will continue unless someone saves me!
Consumer complaint received 2019-08-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo Dealer Services is not reporting on time payments and current account balances in a timely manner. It is XX/XX/2019, and the last payment that they have reported is XX/XX/2019 or XX/XX/2019 depending on which credit bureau I am looking at my report on. The last balance they have reported is {$7100.00}, but my current balance is {$6500.00}. 

If I allow for their policy on reporting to the bureaus, which Wells Fargo Dealer Services has stated as " due date to due date, '' XXXX 's payment and balance would make my report current and should be what is shown on my credit reports, but my report only reflects being current in XXXX. 

I contacted Wells Fargo Dealer Services yesterday, XX/XX/2019 in an effort to resolve this, and they claimed that they had reported to the bureaus and they didn't know why it wasn't up to date. They reiterated their policy of reporting " due date to due date, '' and refused to assist any further. 

My report shows that the last time my Wells Fargo Dealer Services account was updated with any credit reporting bureau was on XX/XX/2019. If that is the case, and they report as they say they do, they have reported inaccurate information to the credit bureaus. I can confirm the credit bureaus are reporting the information they are given in a timely manner as my other lines of credit are current and correct ( reporting from XXXX ) within my reports. It makes no sense that all other accounts would report correctly except for Wells Fargo Dealer Services unless Wells Fargo Dealer Services isn't furnishing correct and current information to the bureaus.
Consumer complaint received 2019-08-10
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: Bread Financial Holdings, Inc. (GA)

On XX/XX/XXXX, I received a letter from a company, Comenity Capital Bank, stating that a XXXX XXXX credit card account revealed potential security concerns and/or irregular credit card transactions. ( see attached ). I immediately called the company Comenity Capital Bank and informed them that I do not have a XXXX XXXX credit card and never have and that my name is not the same as on the account listed on the letter and they stated that they would investigate for fraud. In a few weeks following this, I then started receiving harrassing phone calls from the same company, Comenity Capital Bank, at least once a week stating that I needed to pay this balance. I each time told the company that this was NOT MY ACCOUNT and I did not have a XXXX XXXX credit card and even spoke with somone in their fraud department to verify that the name and the ss # on the account was NOT mine ... so they said they would stop calling me. I few weeks later I began recieving calls from Comenity Capital Bank again threatening me with financial penalties if I did not pay the balance, in which I again told them that this was not my account and verifed the ss # and name on the account was not me. On week of XX/XX/XXXX I received an alert on my credit report that my credit score had decreased so I reviewed my credit report and saw that XXXX XXXX had put an uncollected debt on my credit report for over 3,500.00 so I started the dispute process with XXXX. I have attempted to call Comenity Capital Bank and have them remove this collection from my credit reports but can not get through. I am contacting all 3 credit bureaus to have this claim removed from my credit report as it is not my account and even has an incorrect name listed on my credit report and has caused my credit score to decrease by 50 points.
Consumer complaint received 2019-08-10
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. (NJ)

In XX/XX/XXXX several of my credit card and bank accounts were compromised. In the course of addressing this issue I contacted XXXX XXXX XXXX and reported the identity theft and closed my account.Though I received correspondence the fraudulent charges were revered and the account closed, XXXX XXXX still reported to Transunion and XXXX the account was open and I had past due payments which were incorrect. After numerous phone calls and emails to XXXX XXXX and multiple attempts to dispute the incorrect information to Transunion and XXXX, XXXX XXXX finally closed my account and sent the correct information to my credit report that the account was closed and I was at a 100 % payment history. Just a few days ago now I received a change to my credit report with Transunion stating that once again the XXXX XXXX account is open and I am past due on the payment going back to XXXX of XXXX. I am at the end of my rope and don't know what to do anymore to fix this.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

try fixing these FCRA violation 3 times reporting inaccurate information cost me higher rate on loans I just received XXXX, transunion, and XXXX need to correct this asap
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

Citi bank after a few attempts to collect the debt sold my account for pennies of the dollars to XXXX XXXX solution with a balance of XXXX which includes XXXX of principal ... {$1100.00} ( Interest ) and {$360.00} in fees Which i think is a rip off ... so now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX .UT XXXX XXXX XXXX I went trough a Rufo time, Im able to pay Citi bank directly but collection agencys are living and making profit from people which is abuse, its is a disgrace.Even if you decided to pay the collection agency that record stay for 7 years Hurting your credit score
Consumer complaint received 2019-08-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

Called about a medical debt that I owed because it was on my credit report. I was never notified the company had my acct. I advised the rep I spoke with and her response was ' Well you had several addresses ' They added fees and interest which is illegal for medical accts.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$440.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX A ) Account number : XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A ) Account number : XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$1800.00}
Consumer complaint received 2019-08-14
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. (RI)

I am the victim of ID theft and have had nothing but problems with equifax and no other bureaus. Recently I can not even use my lock and alert account but that is in another complaint. I sent equifax my ID theft affidavit and police report and letter and Id 's to block fraudulent information on my report which they finally did to two of the accounts. However one account remains. This account is ridiculous and I have disputed it at least 15 times over the past few months. Every time it comes back with different late payment amounts, account status from charge off to paid, 15 missed payments to 19 then back to 0. Not  only are they obviously reporting incorrect information, the information is not even mine!!!!!!
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

When living in XXXX XXXX XXXX  XXXX  XXXX at XXXX XXXX back in XXXX I had a balance owed of {$270.00}. This amount was paid in full as of XX/XX/XXXX, I was provided a proof of payment letter and submitted to all three credit bureaus. Unfortunately the only credit bureau that removed it was XXXX XXXX. Can you PLEASE assist me with helping dispute this item on my credit with XXXX and Experian. They should have deleted this item Just like XXXX but they are giving me an extremely hard time- My credit along with finding a place to stay is suffering from this.. That you so much.. Info you may need pertaining to bill ; XXXX XXXX a XXXX XXXX XXXX Agency name paid in full to : XXXX XXXX Sub # XXXX XXXX XXXX XX/XX/XXXX