davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (PA)

I XXXX XXXX recently received a collection notice from XXXX XXXX XXXX , XXXX. The collection letter states that the original debt was with XXXX XXXX. I do not dispute that I had a credit card with XXXX. What I find as a problem is that I never received notice from XXXX that the debt was purchased. What I am entitled is a copy of the actual assignment of debt by XXXX to JH Portfolio Debt Equities , LLC. The Federal Trade Commission has made it clear on debt assignments, and how all collections without due process on validation has riddled the debt collection business with millions in fines and dozens of class action lawsuits. I have been recovering from XXXX over the past three years. I have had to drain my 401K and have struggled to work consistently. XXXX XXXX knew of my health issues, knowing that I was going to file for bankruptcy protection. The debt buyer was duped taking a debt that simply can not ever be paid. I believe that the assigned collection should be proved first showing an actual assignment of debt, and secondly the debt buyer should give the debt back to XXXX XXXX and be totally forgiven based upon my physical hardship. This collection is not valid based upon the lack of proof that it was ever assigned or purchased. The debt should be forgiven or I will have no other option but to file for personal bankruptcy.
Consumer complaint received 2018-10-01
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)

XXXX, account number XXXX, the original creditor and XXXX XXXX XXXX, account number XXXX, the debt buyer for this account are appearing wrongfully on my Equifax credit bureau report.BOTH accounts have inaccurate and incomplete information regarding the payment histories and date of first delinquency.They are both two months away from the 7yr mark since accurate date of first delinquency.XX/XX/2011, the account was 30 days late and then never brought current.Both state 1 year later and that is called re-aging. 
The dates in both items are inaccurate and upon inspection conflict with each other and appear as non-factual. 
BOTH accounts should be removed from Equifax credit file for their incomplete payment histories and inaccurate dates on just about everything stated.
Consumer complaint received 2018-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

Hello, I want to complain about a PSLF program that Nelnet loan service provider did not honor. I contacted Nelnet in 2017 after paying my loan for 10 years ( 120 months ) without a delay in payments. I am a public service worker for nearly 30 years and had planned to retire soon. Once I learned of the PSLF program and checked my account with Nelnet, I submitted my certified information. I was denied due to my loan was not in the appropriate loan forgiveness program. I was told that I could move my remaining balance over to the right loan program and work ten additional years to get the PSLF. I thought this was extremely careless and disrespectful to share with me. Now I have to continue working to pay the remaining debt off. I believe Nelnet withheld critical information to its customers and did nothing to help its customers but take our money.

I hope there is something that can help those who have issues with this PSLF program. 

Thank you.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SIMMONS FIRST NATIONAL CORPORATION (NV)

Yes, I'm going to publish for the world to see. first of all, I have purchased my XXXX XXXX XXXX XXXX ticket back in XX/XX/XXXX and they told me that I would receive it by mid-XX/XX/XXXX I have waited and waited and nothing has ever come in!! and I even tried to contact them but they never contacted by and I'm currently am trying to dispute this charge with my bank send I never received anything for what I have paid for ... .but my bank told me that they can't do anything about it and I have to handle this situation on my own, which I have already tried!!

I want my money back since i never have gotten anything in the mail!

XX/XX/2018 XX/XX/2018 EB XXXX XXXX {$720.00}
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX.. I paid off my credit cards to capital one.. over {$6000.00} in card debit. Today XX/XX/XXXX.. I check one of my accounts and someone has racked up {$1600.00} worth of stuff. When I paid off my card.. I asked to have new cards sent to me as I have been going back and forth with capital one over misuse of my accounts. I do not own XXXX account, I do not shop at kohls and XXXX. The XXXX is not my checking account.
Consumer complaint received 2018-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NJ)

I see that there have been outstanding complaints about Santander 's business practices. I have had a car loan with Santander for over 3 years, yet the balance owed ( {$18000.00} ) is nearly the same as when I initially took out the loan. My monthly payments of {$530.00} are too high, and has created a hardship. My last payment was made in XX/XX/XXXX.They state that this is an interest only loan ; however, the interest rate appears to be unfair. I thought the car would've been paid off by now. Yet, I still owe nearly {$20000.00} on a XXXX XXXX XXXX. I feel that I was taken advantage of by this company and its financial product, which required interest-only monthly payments without explaining that doing so would increase the total cost of the loan. Anyassistance given will be greatly appreciated.
Consumer complaint received 2018-08-04
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: Trident Asset Management, L.L.C. (NV)

As soon as it appeared on my account. They company agreed to take the reporting off my credit since I showed proof of being a victim of identity theft. But keep placing back on my account using an different creditor.
Consumer complaint received 2018-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

On XX/XX/18 I received notification that my credit score went down. I researched and found the company Waypoint Resource Group Collections on my XXXX, XXXX and XXXX reports. Theres no account number assoicated with the dept of XXXX. Says the debt was created XX/XX/18. This is an error on my credit. I am sending them a request for orginal documentation with my signature or they need to be removed from my credit report. I am a senior and I feel like XXXX, XXXX and XXXX are not doing their job in protecting consumers. Please help me get this erroneous deleted from my credit report. I can not apply for jobs or apartments that check your credit because of these three major credit companies. Please help me. Thank you
Consumer complaint received 2018-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (WA)

In XX/XX/2016 I noticed a collection entry on all three credit reporting bureaus from NCC Business Services , Inc. ( Acct XXXX ). The original creditor is listed as XXXX XXXX XXXX XXXX in XXXX for the amount of {$4500.00} opened in XX/XX/2016. This debt is for a rental/lease. It is listed as a joint account with XXXX XXXX. I do not have any joint accounts and I do not know anyone named XXXX XXXX. I have lived in XXXX XXXX since XX/XX/2013 and previously lived in XXXX. This is not my debt. I called XXXX XXXX Services and was told that I should contact the original creditor, XXXX XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX on XX/XX/2016, asking that they provide all documentation related to this transaction. I never received a reply to this request. In addition, several requests have been made to all three credit reporting companies to remove this from my credit report and they have all returned as being verified as " accurate, '' which is clearly " inaccurate '' as this is not my debt.
Consumer complaint received 2018-10-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Acceptance Corp. (MO)

I was late on my XX/XX/2018 & XX/XX/2018 car payments. Spoke with XXXX & XXXX on multiple occasions. Told XXXX someone would be making a payment for me, she was rude and asking who is this person and why are they making a payment for you. I told her that he would make half the payment and I would make the other half. XXXX then told me I had until XXXX XXXX  to make the payment, she continued to call my job repeatedly thru out the days, then started to yell at me that this is their loan and I need to get it paid. I had to have my manager call her and tell her to stop calling my job. I then went to the XXXX to make a payment and she told me that I needed a bar code. I waited for the office to open and called to get the bar-cade, I spoke with XXXX. XXXX then sent the text and I told him the store was around the corner and I would go pay it. XXXX then called back an hour later to tell me I had not made the payment and said " we will hold this until XXXX XXXX  the that's it ''. I returned XXXX 's call and he said I stated that I would pay in the next few minutes. I then told XXXX I never said that, I am at work and can not go out until my lunch break, he then began to get loud and tell me I had until XXXX to make the payment. I made the payment and am now seeking to take out a loan and pay the car off and never deal with this company again. I have been a great customer for over a year and half and have never been treated so horribly by a company representative like this in my life. It's amazing how they are so sweet when I am paying my car note 2-3 weeks early and the one time I fall on hard times they turn nasty.
Consumer complaint received 2018-09-30
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I would like to know where I can go to get help with Wells Fargo Home Mortgage. I was wrongfully foreclosed upon in XX/XX/2013, I believe I am part of the group of home owners that Wells Fargo foreclosed upon due to a computer glitch. I believe my account was reported incorrectly and would like some guidance.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I RECEIVED A CERTIFIED LETTER HAVING A CIVIL JUDGEMENT AGAINST. I HAVE SPOKE WITH A XXXX XXXX BACK IN XXXX AND MADE PAYMENT ARRANGEMENTS WITH HER A $ XXXX FOR XXXX THE BALANCE OWED WHICH WOULD BE XXXX AND SHE SAID THAT WE COULD DO THAT IF THAT WAS ACCEPTABLE WITH ME AND I SAID YES THAT WOULD BE ACCEPTABLE WITH ME. I SAID CAN I MAKE MY PAYMENT ONLINE AND SHE SAID THAT I WOULD GET A STATEMENT EITHER BY MAIL OR EMAIL. I SAID BY MAIL WOULD BE BETTER AND SHE OK SHE WOULD GET IT SET UP. I SAID SO I ONLY HAVE TO PAY {$1500.00}. SHE SAID YES THAT WOULD BE XXXX OF WHAT I OWE AND THE BILL WOULD BE SETTLED. AS OF THIS DATE XX/XX/2018 I HAVE NOT RECEIVED ANYTHING BUT A CERTIFIED LETTER THAT CAME XX/XX/2018. SO HOW I CAN I HAVE A CIVIL JUDGEMENT AGAINST ME TO PAY SOMETHING WHEN I HAVE NEVER RECEIVED ANYTHING IN ORDER TO PAY. XXXX SAID SHE WOULD GET EVERYTHING SET UP FOR ME AND I WOULD RECEIVE MY STATEMENTS BY MAIL. HAVE NEVER GOTTEN ANYTHING.
Consumer complaint received 2018-09-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

Complaint number : XXXX. 
The real problem started with XXXX XXXX XXXX. Account # XXXX. Before they sold my Mortgage to : Freedom Mortgage LLC. Loan # XXXX. 


I sent off the information you requested on XX/XX/2018 Priority mail. Sometime I don't trust mail carrier at all. Even postal services anymore. I think they probably supporting the Leftist Liberal and their Collusion Dishonest Activity. 

The bottom-line is : My VA Home Loan suppose to have a reduce interest rate accordingly. But, somehow they are playing a role of Defiant and Deviant all along obviously.
Consumer complaint received 2018-10-05
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. (PA)

XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # XXXX Amount XXXX I contacted XXXX  and XXXX 12times. I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX  the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me
Consumer complaint received 2018-09-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (HI)

My first & second mortgage were being modified after my bankruptcy. The same bank held both mortgages. During the modification the second mortgage was sold, but I was told by the bank that the first and second mortgages were combined into one new modified loan. I did not know the second mortgage was sold until month after the modification. When I was contacted by the collection agency regarding the second mortgage I sent a debt verification letter to the collection company, it was never addressed and I had no further correspondence with that collection agency. About two years later I received a letter from another collection agency  regarding the same loan. I again sent a debt verification letter. I received a letter from the collection agency stating it was under review, but still have not received any of the information I requested and am entitled to. Recently I have been thinking of selling my home and found out there is a lien on my home by the collection agency. When I called the collection agency they just transfer me from one person to another, they won't give me a direct answer, tell me they will have a supervisor call me back and they never do. Also, I have recently received statements from this agency and each time there is a different amount owed, sometimes higher and sometimes lower. It has been almost a year since I requested the collection agency to validate the " alleged '' debt with no satisfaction. 
NOTE : Both my first and second mortgages were listed on my bankruptcy which was granted to me.
Consumer complaint received 2018-10-01
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. (TX)

Several months ago I purchased about {$6000.00} in furniture from XXXX. 
I was offered to finance it interest free by their credit company, XXXX. 
I accepted the interest free offer and financed the purchased with XXXX. 
The only reason I accepted their offer is because its INTEREST FREE. 

Within about a month or so my credit score dropped from above 800 points to about 750 points. What a shocker!!! 

Consider this. I have an {$11000.00} credit line with XXXX XXXX, and no matter how much I charge on this care I pay it off completely every moth BEFORE any payment is due. I could have put the furniture on this care but why ; when I can spread the payments over a year or two, interest free. Its simply good business to do this. Further, I pay all my bills on time every month!! 

The three credit reporting agencies have little or no respect for the average consumer. This kind of treatment is a SHAM!!!!
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (FL)

Mid XX/XX/XXXX : I spoke w/ a rep. of Zwicker and Associates , regarding alleged debt to XXXX XXXX. I was told that I could settle for $ XXXX/month with a 3 year payoff or, a single lump payment of {$7900.00}. I told them that I couldn't afford that. I never confirmed that I actually owed the amount they stated. Out of good faith, I sent them a check for {$100.00} on XX/XX/XXXX and {$75.00} on XX/XX/XXXX. On XX/XX/XXXX, I was served with a summons. I was also informed by the summoner that I didn't have to appear in court and had 20 days to file an answer. On XX/XX/XXXX, I spoke with the Zwicker representative again. My friend, XXXX XXXX participated in the conversation over speaker phone as she did in the mid- XXXX conversation. She asked if I had to pay any of the costs to bring this to court if I settled this now. The woman said, there would be no fees. I agreed to pay $ XXXX/month for 36 months beginning on XX/XX/XXXX, although I couldn't afford it and had no proof that the debt was mine, because I was afraid of going to court. There was never mention of more payments after the $ XXXX/36-month agreement. Since I had no idea what charges were mine on the account since my wife of 12 years abandoned me a year ago, and took all paperwork, XXXX and I asked for a breakdown of all the charges to review. I received the balance summary of each month, which we spoke of, but never the breakdown that we explained I needed, to see the charges and review if there were fraudulent charges listed.I was told if I had a problem paying the {$300.00} just to call. We also called back the next day, XX/XX/XXXX, to confirm the arrangement. The $ XXXX/36 month payment was quoted due on XX/XX/XXXX. No other fees or amounts due was mentioned in that conversation either. I filed an answer with the court on XX/XX/XXXX with the verbal agreement included in the answer.The stipulation arrived via email on XX/XX/XXXX The stipulation states {$300.00} for 36 months, plus an additional {$320.00} each month on or before XX/XX/XXXX until the principal some of {$12000.00} is paid to settle the case in full. Additional attorney 's fees of {$420.00} is now also added to the amount owed for a total sum of {$12000.00}. Also in the stipulation that I could go into default if I couldn't meet the payment arrangement that was made. That was never divulged to me either.
Consumer complaint received 2018-10-01
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. (GA)

On XX/XX/2018, I received a customer service courtesy call from XXXX XXXX, which stated that my account was 27 days past due and that they were checking with me because they thought it must have been an oversight as I have NEVER had a late pay on my account. I explained to the customer service rep that my bank account had been compromised and I was not aware that that payment had not gone through on XX/XX/2018, as the bank stated that normal payments are usually honored. I immediately proceeded to make the required payment and I confirmed with her ( customer service rep ) that this was not a 30 day late pay to which she agreed. She ( customer service rep ) did proceed to tell me that my account would incur a {$30.00} late fee, however, because the account was not 30 days late, it would not reflect negatively on my credit. She further stated that the payment would be processed on XX/XX/2018 to ensure that there were no mishaps. A few weeks later I received an alert from my credit monitoring service that I had a late payment. I immediately contacted the credit card company ( XXXX XXXX ) at which time they refused to remove the late pay. I asked them to review the customer service call which they subsequently refused to do. This incident has severely negatively impacted my credit and the credit card company has refused to not only admit wrong doing but also refused to remedy the situation.
Consumer complaint received 2018-10-01
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. (GA)

On XX/XX/2018, I received a customer service courtesy call from XXXX XXXX, which stated that my account was 27 days past due and that they were checking with me because they thought it must have been an oversight as I have NEVER had a late pay on my account. I explained to the customer service rep that my bank account had been compromised and I was not aware that that payment had not gone through on XX/XX/2018, as the bank stated that normal payments are usually honored. I immediately proceeded to make the required payment and I confirmed with her ( customer service rep ) that this was not a 30 day late pay to which she agreed. She ( customer service rep ) did proceed to tell me that my account would incur a {$30.00} late fee, however, because the account was not 30 days late, it would not reflect negatively on my credit. She further stated that the payment would be processed on XX/XX/2018 to ensure that there were no mishaps. A few weeks later I received an alert from my credit monitoring service that I had a late payment. I immediately contacted the credit card company ( XXXX XXXX ) at which time they refused to remove the late pay. I asked them to review the customer service call which they subsequently refused to do. This incident has severely negatively impacted my credit and the credit card company has refused to not only admit wrong doing but also refused to remedy the situation.
Consumer complaint received 2018-08-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXXXXXX XXXX put on my credit XX/XX/XXXX from XXXX XXXX for a total of {$1300.00}. And another XXXX of {$1700.00} XX/XX/XXXX. These are not the original amounts of debts that I owe. And Ive never did business with XXXX XXXX. Ive asked them to verify and please delete with disputes letters. And it is still on my credit. And is ruining my credit life. Ive also contacted them. Please delete. I have never done any business with this company. Aslo XXXX a collection for XXXX for XXXX XXXX XXXX. Ive conctacted and made payment arrangement with the original debt owners. So please delete these collections.