davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Total Card, Inc. (CA)

I received a collection notice from a business that claims to be a debt collector. They are supposedly acting on behalf of another business, which is shown on the notice I received to be the " current creditor ''. The notice also shows another business as the " original creditor ''. 

I never received any type of notice from either of these XXXX businesses telling me that I owe them anything. It is because of this that I do not believe this is an actual debt. It is most likely a fake debt that this " debt collector '' is using to collect money for themselves. 

The notice shows me owing {$960.00} to XXXX XXXX XXXX, which is shown to be the current collector. It also names XXXX XXXX XXXX as the original collector. 

I am told in the notice that I have XXXX different ways I can pay off the amount I owe. I can make a one-time payment of {$290.00} and settle my payment in full. Doing it this way would save me {$670.00}. It also shows me being able to set up a payment plan of {$57.00} every month for six months to pay off the entire amount due. My final option would be to pay the amount I decide I can afford to pay monthly, which would have the entire amount repaid after the number of months needed to pay off the entire {$960.00}. 

The name and address of the business claiming to be this debt collector is : Total Card , Inc . 
XXXX XXXX XXXX XXXX, SD XXXX # : XXXX is also stated that I have thirty days to contact Total Card, Inc. to dispute this notice. If they are not contacted, this notice will be considered valid. 

The notice also says that the company they are representing will not be able to sue me because of the age of this debt, but it does not show me anything regarding any previous transaction date for any type of business that was done for me by XXXX. 

I have already filed a complaint with the XXXX regarding this notice, and my response back from them mentioned you as another agency that I can contact regarding this debt collection and whether this attempt to collect a debt is even considered legal. 

I have kept the original notice that I received from this company, along with both the envelope it was sent in and the return envelope. I would like for you to contact me back to let me know if you feel I should send you this information.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (MO)

While I was undergoing a credit check in order to obtain my XXXX license, it was discovered that I had a previously unknown collection account on my credit. I contacted the debt collector " Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone XXXX '' and was told it was a debt to XXXX from several years earlier. I asked them for verification of the debt, however all they sent me was what looks like a blank XXXX bill with the amount they say I owe as a " previous balance. '' I called them back and they told me that that was all that they have and I would have to call XXXX myself. When I called XXXX I was told that they do not know what they debt was for and that I would have to get that information from the debt collector. I talked to Southwest Credit XXXX XXXX time and they were very curt and said " We gave you what we have, now you need to pay. '' While no one at either XXXX or Southwest Credit can explain what the debt is for, my fear is that they are claiming that they never got their cable boxes back. When I closed my account I did so in person and turned in my equipment, but for almost 6 months I got phone calls almost every day saying I had not returned my equipment. I always told the caller that I did return my cable boxes and they always said they would look into it, and then the calls would keep coming. At this point I do n't know what to do, I firmly believe the debt is not valid and neither XXXX nor Southwest Credit will provide me with anything to show that it is valid ... however this is seriously endangering my employment and if it is not resolved soon I will be force to pay it. I 'm basically being held hostage and robbed.
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (GA)

rush card promised to have pay roll and government checks direct deposited and posted and available 2-days prior .last week i didnt receive my direct deposit until the day of my pay day. this week i have not received my direct deposit at all i am paid weekly wednesday by my employer but my initial pay day is friday. my employer sent my pay but rushcard has given me every excuse and even hung up on me on occasions because i asked for a set date and time frame i should have my money. they even told me to go to a money pass atm because the money is there i did my balance still says XXXX im behind on bills, i have no groceries, i cant pay my son school fees. i need and want my money NOW or im forced to cancel my services i cant take this weekly my rent is about to br due so is another pay period i refuse to give them XXXX checks that i cant access an use.
Consumer complaint received 2017-05-22
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: EQUIFAX, INC. (NY)

I have been disputing incorrect information on my equifax credit report for a long time now. There is an account that is reporting (   XXXX   XXXX   ) as a charged off to a bad debt. This information is completely wrong and it is affecting my credit score in a negative way. I paid this account in full back in the year of   XXXX   in the amount of {$380.00}. The company has since gone out of business so equifax keeps telling me that they have 30 days to respond. There is no way for them to verify this information at this point anymore because the company does not exist so by eqifax telling me that they verified the information as correct is wrong information and they refuse to delete it off my report. To top this off this account should have never gone to collection/charge off to a bad debt because I paid it in full. Now tonight I tried to go online to re-dispute this account again and after filling out all the personal information the system will not allow me to gain acess to my credit report. Having this wrong information with this account on my equifax credit report is affecting my credit score in a negative way and affecting me in obtaining substantial credit.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MD)

It has been over a year since we have been trying to get a response from Wells Fargo mortgage regarding a short sale of our property. We have a lawyer working with us and she just sent me an email requesting that I file a complaint about Wells Fargo. She said that Wells Fargo has stated that it is stuck in " Mortgage Insurance '' and that is what is causing the delay. We have a buyer for the house who will bale-out if we do n't get this to settlement. We could no longer afford our mortgage payment so put the house on the market and we are renting another place. We applied for XXXX loan modifications through Wells Fargo and they were turned down. In 2008 we refinanced to an interest only loan of 8.28 % thinking that we could refinance later on. Well that is when the market fell our and our home value took a " deep-six ''. We want to get this resolved asap. We are still paying utilities on the other house as well.
Consumer complaint received 2015-11-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My father and I both have been members of USAA, for over 25 years. Approx.. 2 years ago my father recognized his inability to care for himself and manage his responsibilities and chose to come live with me. In exchange for his living with me and my providing full-time care, we agreed to live off his retirement. I was made his power of attorney and also the executor of his estate. 
My father 's XXXX became progressively worse. His XXXX became prominent. 
In mid XXXX ( 2015 ), while attending to his bills by phone with USAA, they told me that he had " revoked '' the POA. My father never informed anyone of this. Unfortunately, XXXX XXXX, 2015, my father passed away. I do know that my father 's attorney stated that he could not make any changes to POA, as my father was now out of state. And, POA 's need to be changed through an attorney, witnessed. A USAA representative, XXXX XXXX, claims that he could and he did accept my father 's request to revoke the POA over the phone. XXXX XXXX also claims that my father informed him that he was not responsible for any debt in his name, and that I had created his debt without his permission and was using his credit cards without his permission. None of this is true. Without ever contacting me in regards to any of this, USAA, began closing my accounts. 
I was initially told by XXXX XXXX, that if someone could corroborate my claims, things could be reversed. My brother, did speak with XXXX XXXX, but nothing changed. Then XXXX XXXX, assured me a letter from my father 's physician would reverse the actions. XXXX XXXX, and USAA have been provided such a letter. They do not confirm receiving the letter much less take any action regarding repairing the damage. They refuse to discuss anything with me. I live out of country at this time, and I have no way to open new accounts else where, for banking, insurance, investments, etc. Not to mention all of my bills are now behind, and considered past due. I am sickened by all this, not to mention it is in the middle of mourning the death of my father. I have been a good standing member of USAA for over 25 years, and now this. Please Help.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IA)

XXXX XXXX XXXX XXXX is being reported on my ExperianXXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XX/XX/2015.
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

Experience Credit Reporting employees continue to allow Fiticious Business access to Credit Profile to Lower FICO Score, XXXX. Was allowed access with out proper authorization, or application. The Business phone Number listed is a Mail Box that is Full and does Not allow messages. This is a on going problem with Experian Credit Reporting.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (RI)

I have had a Macy 's credit card XX/XX/XXXX as this is the best way to get coupons and save money purchasing items in the store. The discounts are good. Up until about the XX/XX/XXXX I have not had an issue with my card. I pay off my card immediately after using it and I only have it to get a better deal. The sales people push their line of credit while you check out in the store. On XXXX XXXX I made a purchase of {$150.00} and paid it online when I returned home through the Macy 's Credit Card site I never received a statement, I am signed up for paperless statements through my email. This did n't surprise me because I had already paid the bill and did n't have a balance, or so I thought. At the XX/XX/XXXX I was billed {$150.00} plus a {$25.00} late charge and finance fees. The bill was now {$180.00} and change. I called Macy 's who said my bank must not have processed it. I called my bank who told me that the issue is with Macy 's site as that payment was made on their system. I called Macy 's again..They were not helpful and continued to blame my bank. At that point I made XXXX payments in XXXX to get the balance to zero as I do n't want to ruin my credit. I did n't use the card again until XXXX days ago XX/XX/XXXX. The bill was {$56.00}. I was about to login today to pay the balance when I received an email with my Macy 's statement which seemed odd since I had just made the purchase. The bill was {$60.00} and change. I attempted to login to the website to see what the extra {$4.00} charge was. The site was down. I called Macy 's credit card customer service and spoke to XXXX different people before my issue was resolved. I spent over an hour on the phone. XXXX of the persons I spoke to did say the site was down and that some could login and others could n't. I do n't believe the first person even listened to what I was saying and kept trying to get me too pay the minimum {$4.00} payment and telling me that there was a late charge as the bill was due XXXX. I explained to him multiple times that I received the bill today so I could n't understand how there was a fee on a product I bought XXXX days prior. I am annoyed that I did n't pursue the fees from XXXX. I did some research and I noticed there are many others complaining about the same issues I had, website not working, getting late fees and not receiving statements. I believe this is fraudulent activity and I would hope Macy 's would care enough about their customers to do something about their horrible credit card company, especially because they push it on all of the customers that are checking out and it is the best way to get good shopping deals. If you check the history of my account prior to this XX/XX/XXXX you can see that I have consistently paid all my bills in full. This credit card company needs a wake up.
Consumer complaint received 2015-05-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (VA)

Last XXXX, Paypal placed a limitation on my account and blocked my access to my balance. They said that they can hold my balance up to 180 days. Now 180 days have passed, they still hold my money and refuse to return to me.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IA)

Experian recently added a collection on my credit report. The collection name is XXXX XXXX XXXX in the amount of {$290.00}. This collection is an old collection that was deleted from my crdit report and now being reported by a different collection company. I never recieved notice about this collection company, I monitor my credit report very closely and I have never even knew they were going to report this on experian. This is the only credit burea they have reported on. This amount is no longer owed.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Franklin Mortgage Solutions, LLC (OH)

I received an unsolicited letter wanting to consolidate my existing mortgage and an estimated credit card debt of {$5000.00}. The letter stated that Franklin Mortgage Solutions could lower our monthly payments to {$1400.00}. I was given a phone number XXXX to speak with my loan representative. I do not have any credit card debt nor any problems paying my mortgage. The letter is very confusing, leading me to think that I have debt! The " Account Number '' for " my case '' is XXXX, sounding like something from the IRS! I was given a phone number to stop receiving " prescreened offers ''. I called that number but I was not able to ascertain whether this was a legitimate government agency! I can imagine that many people would be confused and very anxious that they were in debt. The " new loan proposal '' to correct this " problem '' was a 30 year fixed rate of 4.125 %. This letter is very incomplete regarding all the pertinent details.
Consumer complaint received 2024-08-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Hello, I asked for a loan online and I didn't notice how much they going to charge me for the loan. Last week, I checked how much money I owned them. They borrowed me {$500.00} and I am going to pay them {$1.00} .... 
I called them and he told me when I sing they explained me. I didn't noticed because I need the money, to pay my electricity bill and food. Is too much money this is ridiculous. Thank you and appreciate your time. I hope so you can help me this is too much money.
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (GA)

I contacted National Credit Systems to attempt to resolve my debt at an apartment community I use to live at. XXXX XXXX, the representative over my account was obscene, being rude and stating that she was n't trying to hear me say what was legal because I am not a lawyer. She then transferred me to her manager, or supervisor, voice mail. I left him a voice mail. Then I called back to ask if a different rep could be assigned to my case and the operator informed me that no that could not be done. She gave me the manager and supervisor extension ( XXXX XXXX XXXX XXXX XXXX ). I left a voice mail with XXXX of them also. I am trying to resolve this debt before it hits my credit and XXXX XXXX is not allowing me to do so because of her disrespect and non cooperative attitude and behaviors. I have read the laws governing fair debt collection and consulted with legal counsel regarding it. XXXX XXXX told me that even if I was paying on my debt since it was n't auto drafted from a checking account it would not stop it from being reported to the credit bureaus. This is a violation and unfair credit practice. The call was monitored and recorded so there is proof.
Consumer complaint received 2015-10-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (IL)

My rush card was inactive for seven days.. I was expecting my pay check on Wednesday XXXX XXXX and did n't gain access to my funds until XXXX XXXX I called numerous times only to be hung up on. Whenever i did get someone on the line, they ran the same script saying they will call me back with information as it becomes available to them. I will no longer be banking with rush. They caused my light bill check to bounce ...
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (PA)

I have been disputing XXXX sales and lease AKA XXXX rents on all three of my credit reports for reporting false and inaccurate information since XX/XX/XXXX 
I had to finally reach out to the Governers office of consumer protection in GA against XXXX 's because I requested they, XXXX validate the debts for me, sending them a certified return reciept letter dated XX/XX/XXXX -- -To Date -- - they never responded to my request. 
I reached to to the Governers office in XXXX and they tried to reach XXXX XXXX see attached letter XXXX AND even they were ignored ( see attached ) In the intern ALL negative accounts with XXXX 's were delete from both XXXX XXXX XXXX see attached ) and XXXX with the exception of Equifax. 
I then sent Equifax a letter, certified return receipt requested and date stamped XX/XX/XXXX XXXX See attached XXXX asking them to please remove XXXX rents as they are not complying or responding and that XXXX XXXX and XXXX have deleted them from my reports. 
I have allowed sufficient enough time to hear back from Equifax -- - to which I have not, so today XX/XX/XXXX, I called them and once AGAIN explained the situation and asked that they remove XXXX rents negative inaccurate report from my credit report. 
NOW -- Equifax is stating " they can not remove it, only XXXX can '' I have been made aware that the credit reporting agencies are supposed to report ACCURATLY, and I have gone above and beyond to prove that XXXX is not reporting ACCURATLY and Equifax is denying my request and essentially telling me, even with the information they have, all the disputed I have made since XX/XX/XXXX till current, that they are refusing to comply. 
I wish to file a complaint against this company.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My mortgage company tried to look me out of my house today. I live in a XXXX gated security building so they called me to ask if I want them to come in. I said so no she said they were here to change the locks. I called to ask them what they where up to. They said they tried to do it on XX/XX/XXXX too! I am less than 45 days behind have been in my place for 10 years. They sent me no notice no anything! I payed my mortgage on Tuesday and they did this after I contacted the attorney general about other shady practices. They are retaliating against me. What can I do about this?
Consumer complaint received 2015-05-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of XXXX XXXX ( XXXX ) by third party collections is prohibited. I have sent this documentation and a request for removal per this ruling to Midland Credit Management. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.