davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-28
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: Bread Financial Holdings, Inc. (FL)

On XXXX XXXX 2017, I contacted PayPal Credit to dispute an unauthorized inquiry on my credit report. On XXXX XXXX 2017 they replied and asked that I provide my birthdate, last four digits of my social security and the date of the inquiry so that they can find the account and request a deletion. On XXXX XXXX  2017, I replied and requested that they delete the inquiry if they did not have enough info to verify the account which proves that I did not apply for their credit services. On XXXX XXXX 2017, they sent me the same letter asking that I provide my social security number and date of birth. I would like this inquiry removed from my account because it was unauthorized.
Consumer complaint received 2020-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/20 we paid our XXXX mortgage. On XX/XX/20 we requested 3 month payment suspension through Wells Fargo 's website as per the CARES act. 

Wells Fargo is now claiming that the 3 months payment suspension started retroactively in XXXX and our payments resume on XX/XX/XXXX. 

Our understanding was that the payment suspension began at the time of the request. Wells Fargo claims they have interpreted the CARES Act to mean that all payment suspensions started in XXXX regardless of when they were requested. This is ridiculous because we already paid XXXX. They offered to return our XXXX payment but that seems like moving backwards. 

Essentially they are trying to limit my 3 month suspension to 2. If I extend it by 3 months it'll be limited to 5. If I end up needing to extend it to 180 days who knows what they'd do. Essentially they're making unilateral decisions about how the law is interpreted and implemented. 

The CARES act specified that payments can be suspended for up to 180 days if needed. If my mortgage company is attempting to limit and thwart that, isn't that illegal?
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2018-02-16
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. (NV)

I have noticed in the past that there were ( 2 ) small student loans ( dated Open :  XX/XX/2011 ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time.
Consumer complaint received 2024-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Tesla, Inc. (MN)

The chat is attached. This was absolutely predatory and cost me over {$10000.00}. To make it more egregious, no one will answer the phone and once I finally got into the " chat '' the person just left when I wouldn't roll over and accept the platitudes. 

XXXXXXXX XXXX  on XX/XX/XXXX A Tesla Advisor has entered the chat My name is XXXX, how can I assist you today? 
Hi XXXX! 
I purchased a Tesla on Friday ( I adore it! ), but when I did the loan documentation on Friday no one told me about the .99 % offer that was out, so I'm at the XXXX %. It seems like a very significant error/oversight and I'm really hoping something can be done because it's a significant amount of money. I know that the .99 % just started that day and I'm sure no one had ill intent. Everyone has been great to work with but this is a pretty big issue for me. 
Great question here XXXX, however, the 0.99 % APR only just started for orders placed after XX/XX/XXXX There'd be no way for us to retroactively change your loan rate if you have already taken delivery I see. Well, I placed my order Thursday late at night after discussing with Tesla. I can't believe no one told me to wait a few hours to place the order. 
I hear you XXXX, however, we'd find out these updates at the same time as you here. No way for us to know what programs or incentives will be coming That's unfortunate. I guess at this point, I'd like to know if the vehicle can be returned. I'll admit I'm unsure what the return policy is Frankly, for the amount of savings I could " trade in '' the vehicle I have and order a brand new one and come out even Or, just let Tesla come repo it, take the credit score hit, and have my husband re-order. 
I totally get that this is not your fault, but having 2 hours cost more than XXXX without any recourse just seems asinine I hear you XXXX. Vehicles can not be returned either. Once you do decide on what course of action you would like to do please let us know If that is all for now, thank you so much for taking the time to chat with Tesla! I really appreciate the time and effort you took to work with me. Feel free to reach back out if you need any further assistance. Have a great rest of your day and stay safe.

An agent has left the chat
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a charged off account on my credit report from capital one for {$540.00}. I have filed a claim with all 3 credit bureas XXXX, XXXX and XXXX. Stating this account is not mine and that it was fraudelent account. All 3 credit reporting have completely different information on all bureas.Some no payment history. XXXX has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold 1 hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I contacted capital one through phone to talk to them about the financial hardship I was going and have recently been going through, I was struggling bad and I wanted to see what I could do to work with capital one about my late payments that would occur, the capital one rep said there was nothing they could do to help me. I had a XXXX XXXX in XX/XX/2017 and I've been a single dad since, it was my XXXX XXXX and I made consistent payments all up until his birth. I worked hard and I got on track for a couple months, I then contacted capital one again by phone 3 separate occasions about my financial hardship with having to provide daycare for my son without any help, which is very expensive. The capital one rep proceeded to batter me for payments on the phone and said without a payment they will close my account! I'm just trying to be a good father
Consumer complaint received 2020-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I purchased a used XXXX XXXX from XXXX XXXX in XXXX XXXX South Carolina on XX/XX/2019 with an extended warranty. Two days after purchasing the car an electrical error caused my E-brake to malfunction and destroy my rear brake assembly. XXXX XXXX was kind enough to repair it for me but left me with no car for over a week. The day I got it back I noticed a horrible noise coming from the front end turns out the axel and tie rods were broken. When I reached out to XXXX XXXX they told me they knew but it is not there problem and now ups have to wait 30 days for my warranty to be active to fix this ( which was a lie ). Turns out this was a problem the car had before it was even sold to me. I found this information out when I brought it into XXXX on XXXX highway and they told me they already had records of this issue from the previous owner. Well after having this repaired a week later I hear more noise coming from the front finally get it into XXXX to find out another unknown error caused my front end braking assembly to get destroyed due to the brakes seizing up. my warranty which was Supposed to cover all things that make the car move forward doesnt cover this so no I have to spend an additional XXXX dollars again. When I asked to cancel the warranty as they wont cover these issues I am told it is not under my name but my co-signers name and I have no say.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (FL)

After contacting XXXX  credit to dispute Military Star account, that was in good standing since XXXX and paid of in XXXX of XXXX, XXXX updated the dispute and made is worse. Now my report shows delinquent account payments from XXXX until XX/XX/XXXX, when I disputed it. The account has been closed and paid in full with good standing, on time payments since XXXX. It was officially closed and paid fully by XX/XX/XXXX. This was done in this manner, so I could purchase my first home with no outstanding debts. I closed on my home XX/XX/XXXX. There should be no negative comments from Military Star since XXXX.
Consumer complaint received 2018-06-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Compliance Services, LLC (CO)

I called the debt collector asking for their mailing address to send payment. They not only refused, but insulted the way I was talking to them ( accused me of talking in a monotone voice ). The debt collector, XXXX XXXX, said " I sound like a serial killer '', which I am not. I owe them the money, but this debt collector can not disrespect me on the phone. Their phone number is XXXX. This is not acceptable, to me.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (AZ)

I can provide detailed information via phone but basically I had a package deal I signed up with XXXX XXXX in 2018. That year my only child passed away and I had contacted the company modifying my package because uncontrolled circumstances. Currently I am being collections by XXXX XXXX for over {$300.00}. I have never dealt with them so had no idea of acct. 
Basically I am being tossed back and forth between these " two affiliates " because of an acct that I was told XXXX XXXX failed to handle properly. I've spent days on the phone and have been told I'd receive a check in the mail for over payment and that XXXX XXXX would contact XXXX XXXX to update them and remove collection charges.its been over a week and now when I call they don't know what I'm talking about. I feel like im being taking advantage of and i have hit a dead end. Please help me resolve this problem so that I can move forward with my life. 
Thank you
Consumer complaint received 2024-05-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

I bought this {$150.00} vanilla gift card when I went for vacation I planned using it on a later date I went to the store and I was told this card is empty with no balance, how could a card I bought new be having insufficient balance? I guess I am a victim of card tampering, I want my card replaced
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MD)

Jefferson capital stated they would send verification and a letter in the mail. Still havent received neither. They have reported it to my credit report without following federal laws. This seem to be commonplace with the company and with debt collection to purposely damage credit. They are avoiding sending verification because they dont have it. Once I receive verification and a letter I will respond
Consumer complaint received 2020-07-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

To Whom It May Concern, Hello, I lost a large part of my income due to the pandemic. Concerned about paying my mortgage and after hearing about mortgage companies deferring payments for up to three months, and considering Id never been late with a payment, on or around XX/XX/XXXX I decided and called my mortgage company NewRez Financial and asked if I could have my mortgage deferred. The person I spoke with explained it shouldnt be a problem considering the COVID situation and said she'd get back to me by the end of the week. She called me back and said that my request was accepted. She said that my mortgage would be deferred from XXXX until XXXX. To be sure I asked how deferral would work and she explained that my mortgage payment would just be extended for three months tacked on to the end of my mortgage loan and that there would be no penalties, fines, or fees and that this wouldnt effect my credit. A week or two later I received a scary email requesting mortgage payment, and a week later an email apologizing for the request. I called the company about the emails and was told not to worry and to ignore any other request for payment. A week or so after that I received a letter in the mail from NewRez which I did not open. Not long after I received another letter and so I opened it and there was a letter explaining to me that my mortgage was in forbearance. I called my mortgage company about the letter and was connected to a debt collection service named Shellpoint. The man I spoke with said that I misunderstood. I am certain that I did not misunderstand. He explained to me that the 3 months of mortgage was expected to be paid in full by XX/XX/2020. I explained that this was not expected and said that I feel Ive been misled and felt I was being taken advantage of. I called and asked to speak to a supervisor and was told to expect a supervisor to call me within next couple of days. The call never came. I've been foolishly waiting for a call to straighten this situation out, however it has yet to come. I am hoping that reaching out to you can get me a positive result. 

Thank you!
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

I have attempted to call this company, along with disputing the debt through the credit reporting agencies. They are reporting this on my credit as a delinquent collection. But also sent me a letter stating that it wasn't a collection agency. I contact the apartment complex XXXX XXXX. I spoke with XXXX XXXX, she stated over the phone that I didn't owe them any money. I requested that she send me a copy of the bills that were sent to me. She then sent me an email with the ledger for my account. What this company is trying to collect for is fraudulent as I have not owed money since XX/XX/2015. I have attached the ledger sent from the apartment complex
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (CA)

I know I am passed due on my payments, due to no employment I was not able to give a payment yet. XXXX XXXX calls me everyday about 20 times a day or even more to tell me about my payment which I already know about. Today XX/XX/2018 they called my father about my business, which I think it's not professional. First of all, I don't know how the company even got my father 's information when I never gave the company his details or anyone elses.Second, I think it's total harassment for them to be calling me so many times and now even calling my father and leaving him voicemails about my personal business. I will give a payment as soon as my first check arrives, like I told the company already I was unemployed for the past 6 months like they mentioned to me. I know what I have to take care of, I haven't done so because I had no money to do any payment.
Consumer complaint received 2018-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

On XX/XX/XXXX i have made a complaint to CFPB about a collection Debt Recovery Placing previously deleted accounts on my credit file. 
On XX/XX/XXXX The company Debt Recovery has replied and closed the complaint stating they will remove the previously deleted accounts they have placed on my report. 
Today is XX/XX/XXXX. The accounts have not been removed.
Consumer complaint received 2018-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (VA)

I pulled my credit from XXXX XXXX and noticed a debt from debt recovery solution, LLC was added to my XXXX report for {$82.00} this was previously disputed and removed on XX/XX/2017 when XXXX reported this same amount from the same source. After contacting them and saying I did not know this debts. no letter was ever sent to me and this keeps coming up on my credit report. 
this is not mine.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (AZ)

I have a loan with TD BANK USA/XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX TD BANK USA/XXXX XXXX   and with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2020-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (MI)

Between XXXX and XXXX CHASE transferred money from my credit card that I had with them to a XXXX XXXX  fake account! I called them many time about this! They said " we take care of '' but they did not! I canceled the card in XXXX and paid Chase what I owe them! NOW 4 year later the sent me a letter saying that they will keep reporting me to the credit reporting people until I pay they their blackmail money!!! I been fighting these card companies that work with discovery bank in stealing money from me and others!!!
Consumer complaint received 2017-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I am concerned w  ith two things regarding Synchrong Bank.
# 1 The envelope they sent to an incorrect address, this address is a family member 's house, but not my address.
# 2 The Envelope contains various FDCPA/RFDCPA Envelope Violations. 15 U.S. Code 1692f ( 8 ) # 3. Please see attached letter request, waiting for a response from Synchrony Bank.
15 U.S. Code 1692f ( 8 ) - Unfair practices. Using any language or symbol, other than the debt collectors / creditor 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Please find the burden of proof attached.
I do n't wish to litigate this matter, but I would be entitled to {$1000.00} in statutory damages at the very least and attorney fees should this matter not be resolved in a timely m  anner by synchrony bank.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MA)

Unsolicited issue of credit card. Arrives newly issued w/significant charge on it to issuing company. Comenity/XXXX  CC w/ XXXX XXXX charge to XXXX. I understand it may be ID theft but how does issuing company place charge on to card to itself. Should raise red flags.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (KS)

On XX/XX/2017, I used my Chase VISA credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX with my VISA card of  {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a single attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant each through the dispute and the appeals and was unable or unwilling to help resolve the dispute.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.