davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC (WI)

My father received financing from XXXX XXXX XXXX  XXXX, Green Sky Financing. He passed away and I am the executor of his estate, I paid off the loan but received a bill after the fact for {$6.00} late fee. He is deceased and therefore couldn't pay-I paid as soon as I received the information to do so. The company refused to refund the late fee even though he is deceased and unable to inform him. I did so as soon as I received the information. It seems to me that the XXXX should have been refunded and the loan allowed to be closed. They go out of their way to make things difficult and continue to charge more fees even though I've sent the necessary paperwork to them as of XX/XX/2018. This is absolutely ridiculous. THey were also rude and harassing.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2019, I requested a free credit report through Experian online and received the report immediately. I was not able to get my FICO score through the " free '' process and was given the option of signing up for credit monitory services for {$1.00} for 10 days and then {$21.00} monthly thereafter. The website said I could cancel anytime. I had no intention of continuing the monthly payment option and tried to cancel my account within the 10 day window. I called Experian at XXXX in an attempt to cancel my account but there was no cancellation option available on their outgoing messages and I was unable to cancel my account. I then went back to their website to try to cancel but just went around in circles and it appears that Experian 's website is, I believe, intentionally misleading and I was unable to find a way to cancel my account. However, there was an email address that one could submit a cancellation request to and I sent the email out to support@e.usa.experian.com on  XX/XX/2019 requesting immediate cancellation of my account. I included my Experian account number in my email but I did not receive an acknowledgement. Later, on/a XX/XX/2019, I received a charge on my credit card for the {$21.00} monthly charge. On XX/XX/2019, I went online again to my Experian account and found more information about how to cancel and I noticed that the phone number for cancellations, XXXX is different from the basic customer service number, XXXX. On XX/XX/2019, I called them and talked to an agent who said that she would cancel my account. I explained that I had problems with their website and that I had sent an email requesting cancellation and that I felt I should get a full refund of the {$21.00} but the agent said that was not possible since they don't give refunds. She said they would cancel my account as of the next billing cycle. 

I believe that Experian 's website and customer service contacts are intentionally misleading and lacking any easy cancellation procedures and therefore, I should receive a full refund of the {$21.00} charge.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (CA)

Hi, I have recently found out through my credit report that ACS/Conduent education, a loan service company that works directly with XXXX University, has filed multiple reports against my credit, because of delinquent payments. But on the report it doesn't state why my payments were delinquent. I am always on top of my loan and debt repayments ; however, ACS is an unreliable company which makes repayments almost impossible. My loans first became due on XX/XX/XXXX. Since that day until XXXX of XXXX, I made several attempts to repay my loans by either visiting their website or calling them. Whenever I visited ACS 's website I encountered a message claiming that " service is unavailable ''. This happened every single time I visited their website. Since, repayments through website was obviously not a solution, I attempted calling the company on various days at various times. I would either receive a busy tone, or the call would keep ringing without anyone ever responding. To investigate this further, I called XXXX University 's loan and financial department, and a represintive went over different possibilities. They told me that ACS often has these problems, and it is very like that they are changing the service provider for those loans, and I shouldn't worry about. That was a relief to hear as ACS seemed very shady in the way they conducted business. Unavailable website and customer service can be very very alarming. This company has wasted a lot of my time from writing this complaint, calling them, visiting their website, etc. I shouldn't chase after them and waste every day of my life to hopefully catch their uptime. This is unreasonable. 

On XXXX of XXXX, I was able to access their website, and realized they are still handling my loan. Their website 's interface is not intuitive and errs on the simplest actions and inputs. Even with all these obstacles, the first thing I did was to setup ACH so that they could directly transfer money from my bank account. Again, this was the first thing that I did to prevent any delinquent repayments in the future. I believe the way that ACS handled my case is absolutely wrong and bizarre, since they provided no medium for me to take care of my repayments at all. ACS 's business is very concerning and suspicious. No transparent communications, no website, and no customer service. Even as I am writing this the website is unavailable. However, this time it doesn't even show any messages, the website just doesn't load at all. I have tried to load the website in different browsers and still no luck. I have attached the picture of one of the instances when I visited the company 's website to make a payment. This problem was so frequent, I took a screenshot. In case something like this would ever happen. I am glad I did.
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I have tried to contact a company attempting to collect a debt which is not being verified/investigated as per my request with FDCPA compliance. The collection/debt buyer is LVNV Funding LLC. I have submitted requests to the Credit Reporting Agencies and the creditor has yet to comply and repeatedly sends my invoices from their company as proof of validation. Yet this is not what I asked for and that proves nothing other than they have my name on a file. 

I received notification from pressure tactics ranging from letters from other debt collectors working for LVNV under the name XXXX XXXX XXXX XXXX. also identified as debt collectors, also telling me I can challenge the validity of the debt. When I do, the company does not comply. 

I am asking the CFPB to help mediate the matter and force the original investigation with the above noted company so that actual compliance can be wrought.
Consumer complaint received 2019-02-26
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. (GA)

I have submitted several letters and complaints to XXXX XXXX XXXX XXXX  and the credit agencies with regards to an account that was opened XX/XX/2017 with a balance of {$6600.00}. This account is opened and is reporting as a result of identity theft. Please assist me in getting this account removed from my credit profile.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC. (NC)

XX/XX/2018 XX/XX/2018 hurricane floremce made contact with the east coast. im XXXX XXXX military XXXX  in north carolina. the XXXX XXXX XXXX  was in the mall in XXXX NC it shut down after the hurricane so we then had no nearby store to pay our XXXX $ bill. the company would never let us pay on the phonein return this resulted in my credit going way down.
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I checked my credit and found the trade line from Midland Funding on behalf of XXXX for {$260.00}. For one, Midland is not licensed to collect debt in the state of Florida. For two, I have tried to contact Midland and XXXX XXXX for debt verification but to no avail.
Consumer complaint received 2017-06-13
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. (NC)

I received a letter from  XXXX   XXXX  on  XXXX  saying that they would remove all  XXXX  accounts from my credit. It is now  XXXX  and they are still on there. i have enclosed the letter they sent me.
Consumer complaint received 2019-02-27
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. (LA)

Today XX/XX/2019 my sister contacted me saying that XXXX XXXX XXXX contacted her for me. I called them immediately after they called the first time. About 3 weeks ago. They know my phone number and address as they sent me statements and called me. I have answered calls with them and told them I was told I didnt have to pay interest on the account and now they are saying I do. I told them to contact me when someone can take the interest off as I was told beforehand I would not pay interest.
Consumer complaint received 2019-02-27
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (GA)

I purchased a vehicle from Sandtander, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with Sandtander and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.
Consumer complaint received 2019-02-27
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: AMERICAN EXPRESS COMPANY (AZ)

I WENT TO AN ATM MACHINE ON XX/XX/2019 AND TRIED TO GET {$220.00} AND THE MACHINE DID NOT DISPENSE THE MONEY. I ASKED THE CASHIER IF THEY STILL HAD NOT PUT ANY MONEY IN THE MACHINE SINCE I HAD GONE A DAY PRIOR AND I WAS TOLD IT DIDN'T HAVE ANY MONEY, SHE RESPONDED YES A TECHNICIAN CAME AND PUT MONEY IN IT. I ASSUMED THAT MAYBE I DID SOMETHING WRONG AND I TRIED AGAIN FOR THE {$220.00} AND IT STILL DIDN'T GIVE ME THE MONEY. I MENTIONED TO THE CASHIER THAT IT DIDN'T GIVE ME ANY MONEY SHE TOLD ME THAT SHE BELIEVED THAT THE TECHNICIAN PROBABLY DID SOMETHING WRONG BECAUSE THERE WAS OTHER CUSTOMERS COMPLAINING THEY COULD'NT WITHDRAW MONEY AS WELL. LATER THAT DAY I TRIED TO SEE HOW MUCH MONEY I HAD LEFT IN MY AMERICAN EXPRESS CARD AND I WAS MISSING MONEY, SO WHEN I LOOKED INTO MY TRANSACTION I WAS SEEING THAT IT WAS SHOWING THAT I DEDUCTED TWICE THE {$220.00} WHEN I NEVER GOT MY MONEY DISPENSED FROM THE ATM MACHINE. I CALLED THE ATM COMPANY AND TOLD THEM ABOUT THE PROBLEM THAT THE MONEY WAS NEVER DISPENSED HE ASKED ME FOR THE AMOUNT AND THE LAST FOUR OF MY CREDIT CARD NUMBER, WHEN I PROVIDED HIM WITH THIS INFORMATION HE TOLD ME THAT IN FACT THEY HAD A PROBLEM BUT THAT THE MONEY WAS ALREADY IN REVERSAL THAT I SHOULD RECEIVE MY MONEY IN 24 TO 48 HOURS AND IT NEVER HAPPENED. IN THE MEANTIME I ALSO CALLED THE AMERICAN EXPRESS CARD AND PUT A DISPUTE FOR THE MONEY SO I FAXED THEM THE DISPUTE FORM EXPLAINING ALL THE PROBLEM AND THEY TOLD ME THEY WERE GOING TO INVESTIGATE. I RECEIVED A RESPONSE FROM AMERICAN EXPRESS SUPPOSEDLY THAT THEY MADE THE INVESTIGATION AND THAT SUPPOSEDLY THE ATM PROVIDER CONFIRMED THE FUNDS WERE DISPENSED. I GOT VERY UPSET SO I CALLED THE ATM COMPANY AGAIN AND TOLD THEM WHAT AMERICAN EXPRESS HAD TOLD ME AND THEY SAID THAT NO THAT THE MONEY WAS IN REVERSAL, SO I ASKED THEM TO SEND ME PROOF OF THAT SO I COULD SHOW AMERICAN EXPRESS SO I CAN GET MY MONEY SO WHEN I CALLED AMERICAN EXPRESS THEY WANTED ME TO DO ANOTHER DISPUTE WHICH IS REALLY UPSETTING BECAUSE THEY ARE TAKING ALONG TIME AND I REALLY NEED MY MONEY. I WOULD REALLY APPRECIATE IF YOU CAN ALL HELP ME.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XXXX XXXX, XXXX, at approximately XXXXXXXX XXXX CDT, I called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service center to request a credit increase. I spoke to a female representative, on a recorded call, who I told multiple times on this recorded call that, in order to increase my credit limit, I did not and would not allow for a hard inquiry credit pull. I stated many, many times on the recorded call that I did not allow anyone reviewing my credit line increase request to pull a hard inquiry on my credit report. I was told that my request was escalated to a male manager, who had to " send an email that could take an hour for a response '' to another manager, because my credit limit request of a total credit line of {$50000.00} had to be reviewed by several people. I was then promised a call back by the male manager, and I again told the female representative -- on a recorded line -- that I did not and would not submit to a hard inquiry on my credit to review or complete my request. On XXXX XXXX, I received notice that a hard inquiry had been placed on my XXXX, XXXX and TransUnion credit files. ( See attached screen shot. ) I did not ever -- neither verbally or otherwise -- give my consent for XXXX XXXX XXXX XXXX XXXX to pull a hard credit inquiry to complete my credit limit increase request. Their agents were specifically told, numerous times and all on recorded calls, that I refused to go through with my credit line increase request if a hard inquiry was required. XXXX XXXX XXXX deliberately and intentionally made a hard inquiry on all three of my credit bureau files , and I did not ever authorize them to do so.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Our Mortgage was sold to Shellpoint Mortgage 5 months ago from XXXX XXXX. 
My husband and I completed a loan modification with XXXX prior to the transfer. 

Shellpoint currently has outdated information reflected on our account they claim we owe over six thousand dollars in missed payments which is inaccurate. Before our mortgage was transferred over from XXXX our loan balance was XXXX and our account was up to date and current. Shellpoint mortgaging is reflecting an inaccurate mortgage balance of XXXX and over 6,000 of  missed payments and late charges. 

I have sent over the documentation proving our loan modification and a Shellpoint Representative verified the information was received. A Shellpoint Rep also verified the official copy of our loan modification was sent over by XXXX but our account has not been updated. According to Shellpoint it will not be updated until we sign a new loan modification from Shellpoint. The  representative told me If we don't agree to sign the modification we will be forced to pay the XXXX of  back payments that should not even exist because we never missed payments!!
Consumer complaint received 2019-02-27
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. (CA)

I have a credit card with XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, TransUnion and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX with no successful resolution. XXXX, TransUnion, and XXXX   only reporting me 30 days twice in XX/XX/2017 and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.
Consumer complaint received 2019-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I paid XXXX XXXX XXXX   XXXX on XX/XX/2018 a medical debt which I had disputed. I felt like it was easier to just pay them. However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXX. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months. Some of the recent calls came from : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. The XXXX is an alias for XXXX XXXX XXXX. The XXXX website is hosted on the same webserver as XXXX. XXXX and XXXX both operate from XXXX, FL and XXXX, OH. 

I confirmed on XXXX that the XXXX  debt was paid during two separate calls. I was told that it would be updated and the calls would stop. However the calls continue to persist daily at all times.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.