davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE CONTACTED THIS BUREUA MULTIPLE TIMES REGARDING THESE UNAUTHORIZED HARD INQUIRIES. THEY ARE NOT COOPERATING AND HAE NOT GOT BACK WITH ME REGARDING THIS ISSUE. I HAVE MAILED MULTIPLE LETTERS AND ALSO CALLED THEM. THE UNAUTHORIZED INQUIRIES ARE AS FOLLOW : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2019-09-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NM)

A woman called left a message on my voicemail stating that I was being sued. She left a number to call back. I called the number back a male sounding like in his twenties answered he sounded XXXX. He stated that they were going to sue me and pick me up at my home or my job if I didnt give them a credit card to put on file today. I explained I didnt have a credit card, and I just got a job I didnt have any money with me he kept repeating how much dollars do you have I said XXXX dollars. He then was getting very snappy with me I told him thats not good customer service. Your supposed to talk with the customer and try to help them. I told him you are threatening me trying to scare me. He then talked over me said he wasnt threatening me. I then asked if there was a number i could call back when i did get the money to make arrangements he said there wasnt it had to be done today. I said i couldnt do it today. He then got snappy again I asked him the name of the company to see if it was some form of fraud because he didnt sound legit he kept asking for a credit card he said they were called XXXX in XXXX GA. XXXX is the number the lady left me. I then said he was being rude and snappy with me and I asked to speak to a supervisor, he said please hold very smug and put me on hold i waited five minutes then they got back on and hung up on me.
Consumer complaint received 2019-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

I have a mortgage with Midland Mortgage. I am being charged extra fees on the account monthly. I am not late on the payment, paid well in advance. It is a modification loan from XXXX. I have requested several time for a reason for the fees and a history of the account as well. I get transferred from person to person, they tell me they are going to mail to me in 7 to 10 days. I have yet to receive the documents from them. I also made a large payment on account back in XXXX  and have called to find out what happened to the payment and to provide how it was applied, no documents provided. 
I have emailed the VP of Midland, as well. Have not received any responds, as well. I am finally had a place in my life, that i can deal with the stress and try to get answers from them. I was over paying my mortgage each month as they estimated my escrow account by almost {$100.00} a month. Then they created these extra fees and started applying the over payment each month to the fees instead of principal on the loan. 
When ask to speak to a supervisor, they transfer to another co worker instead. I have looked online and several other people are having the same issue. They prey on people when they are at the weakest and take advantage of them with this so called fees. I have made several attempts to work this out with Midland Mortgage with no results. 

Thank you.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

Credit ratings ( FICO Scores ) do NOT allow for those who have paid off mortgages, cars and continue to pay off charge cards monthly. This affects insurance costs daily! Adding additional debt should NOT be the way to get a better score. That's just the wrong answer. 

There should be some compensation in the credit score for those who are prompt with payments and who have had years of prompt paying. Credit for owing {$800000.00} in debt but having paid for it. 

Id like an answer from the Consumers Finance Protection Bureau on how many items connected to one 's FICO score can continue to increase consumer 's costs while their credit remains perfect. The WRONG answer is to ADD more debt. But that is what consumers must do to increase their score!
Consumer complaint received 2019-09-14
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: FIFTH THIRD FINANCIAL CORPORATION (NC)

XX/XX/2019, I filed a dispute with Fifth Third Bank for {$63.00}. On today, XX/XX/2019, I stayed on the phone for over an hour calling the dispute dept. directly and no one answered. Via the customer service line, I got a dispute person but no one had started working on the dispute and the call was dropped. The {$93.00} dispute was unprocessed and not addressed at all. Dispute case no. XXXX.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I disputed with Experian about an address that is not correct. It says XXXX XXXX on XXXX XXXX XXXX in XXXX, Missouri XXXX. Because of that address it is affected me getting future credit. I live on XXXX XXXX XXXX XXXX, Missouri XXXX. Any and all incorrect information on my report should be removed. I asked if you would step in and tell them to remove that address on my report. If it is not accurate then I have the right to have it removed. Thank you very much
Consumer complaint received 2019-09-13
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. (MO)

On XX/XX/2019 I faxed over identity theft report, block request and ftc furnisher report and they opened the dispute but keep saying they have not received the documentation. Also this has been deemed as identity theft by the original credit XXXX XXXX   XXXX XXXX ( XXXX XXXX ) account XXXX. Also uploaded documents on myequifax.com and they are still saying have not received the supporting documentation. I would like for this to be removed immediately as this is affecting my livelihood. Attached please find identity theft report, block request, ftc furnisher and showing fax was received on XX/XX/2019 Thank You
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX REFUSES TO REINVESTIGATE XXXX XXXX ACCOUNT XXXX, THAT IS WRONFULLY APPEARING ON XXXX AND TRANSUNION. 
I HAVE PROVIDED FTC THEFT REPORT XXXX REGARDING THIS XXXX XXXX ACCOUNT SO AS TO FACILITATE THE PROTECTIONS AFFORDED BY THE FCRA REGARDING IDENTITY THEFT.ALL CHARGES MADE ON THIS ACCOUNT WERE MADE BY AN ID THEFT THIEF.XXXX XXXX IS AWARE YET WANTS ME HELD ACCOUNTABLE FOR THE LATES.RIDICULOUS! 
BLOCK THIS ACCOUNT IMMEDIATELY ACCORDING TO FCRA.ADDITIONALLY XXXX UPLOAD SYSTEM DOES NOT FUNCTION AT ALL.THIS ACCOUNT WRONGFULLY APPEARS ON TRANSUNION AND XXXX.XXXX REACTED TO THE FTC REPORT AND DELETED THE ACCOUNT.
Consumer complaint received 2019-09-14
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: U.S. BANCORP (MI)

I have a credit card from Elan Services which is valid till XX/XX/XXXX, they made two new " Hard Inquiry '' on my credit report on XX/XX/2019 without my authorization. I also have a supplement card for my son, they have made a similar hard inquiry on his credit report too without his consent. 

I what to report this and also what this company to remove the Hard Inquiry. 

Elan Financi XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (OH)

Canceled XXXX  XXXX XX/XX/XXXX. Received 1 bill the next month. I called XXXX, was advised my account had XXXX balance and I wouldn't receive another bill, which I didn't. There was no other communication. Received notification XX/XX/XXXX, from my credit monitoring service that there is a collection now showing on my credit report since XX/XX/XXXX. No one advised me from XXXX this bill would be turned over for collection. The collection agency, Diversified Consultants, did not send me written notice, giving me 30 days to dispute this charge before putting it on my credit report. Called the collection agency XX/XX/XXXX and was told it was not their policy to send a notification.
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc. (TN)

My ex wife of 10 years passed away in XX/XX/XXXX. I helped my children dispose of and empty out her apartment. I called XXXX cable company to let them know the service needs to stop and cable boxes need to be returned. They advised me the first week of XX/XX/XXXX they would send me boxes to return the equipment. They never did. Stark collection agency sent me a collection notice. I called them and informed them this was my ex-wife 's account and tds never sent me boxes to return the equipment. XXXX at starks advised me that they tds would send me the boxes to return the equipment. They did not. I called starks agin in XX/XX/XXXX. Told XXXX the same thing. He assured me XXXX would send me the boxes to return the equipment. They did not. I spoke with XXXX again the first week of XX/XX/XXXX and XXXX assured me tds would send me the boxes. They did not. Then i see today a collection from starks is on my credit report. This false and misleading. 1. i do not owe any of my ex-wives bills. we have been divorced for 10 years. 2nd. I will return the equipment when they send me the boxes. I asked XXXX for an address to send the equipment back myself today and he would not provide me with the address.
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

I have made XXXX different payments and all have been reversed. On XX/XX/23 I made a {$200.00} payment. On XX/XX/23 I made a {$300.00} payment. On XX/XX/23 I made a {$290.00} payment. All three were reversed and I was never notified that the payments did not go through. I made a {$290.00} payment on XX/XX/23 and I am waiting to see if that one goes through. I am concerned because I dont want it to show past due since I made the payment on time. I called Ed Financial customer service and they advised me that multiple people have been having this problem. They told me to double check my bank account info and if that is not the problem, to call my bank. I dont believe my bank is declining the payment because they are not even showing up on my bank account. I need this issue to be address to make sure that I dont get penalized for my payments not going through. I checked my bank account information and that was not the issue.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (VA)

I received a notice on my credit report that is not mine for the amount of {$480.00}. I kindly called the company to advise this isnt mine and that I need some type of proof of this bill. The company advised me they would send me the right documents to prove this is my bill. I received a letter with all different types of dates and balances that dates back from all the way to 2015. I have contacted all 3 credit agencies ( XXXX, XXXX, Equifax ) and disputed this charge. It cant back verified with NO PROOF a week later! which is a violation of my rights .This is nothing that shows I owe these bills. Due to this not being the correct documentation to send showing proof of collection I am requesting that this medical bill account number XXXX be removed from my credit file immediately.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/XXXX, I tried to apply for a car loan and was told that my credit score was XXXX because of an UNPAID DEBT for a XXXX  XXXX credit card from XXXX. I paid the debt on XX/XX/XXXX. Resurgence collection agency failed to report that I had paid it off to the credit bureau and to the bank that sent the debt to them. It has been 4 years since it has been paid off. They told me they would send me a letter in the mail ( because they don't offer email as a service ) and it would state that I paid off the card in XXXX and that it should no longer be against my score. The letter I received strongly implies that I paid this debt on XX/XX/XXXX and says thank you for your payment. You account is now paid off. If this payment comes back as insufficient funds, your account balance will return to the amount you owe. I asked them to send me a letter giving the date that I paid off my debt and they refused. I ask for a receipt for my transaction with the date that I paid it off and they said they would send in a request and asked if there was anything else they could do for me today so I asked if the request gets denied, could they call me and let me know and she said " no, we don't make outgoing phone calls. ''
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$76.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

Original Creditor : XXXX XXXX XXXX XXXX Collection Agency : LVNV Funding LLC Two Different Amounts On My Credit Profile {$1200.00} - {$1200.00} " Inaccurate " Date Disputed : XX/XX/2018 Disputed Charges And Information As Well As Requesting Validation Of Debt " VOD " Requesting The Method Of Verification And Steps That Were Taking " Unverified " Resolution : XX/XX/2018 Per XXXX : I Quote  Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act )
Consumer complaint received 2019-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (AK)

In XXXX, I received a Discover Bank credit card for {$500.00}. I fell behind in payments for several months and the amount was placed in collections. I have reconciled this account and paid off the amount owed. The account still shows on my credit profile. I have attempted to reconcile this by contacting Discover Bank via phone and I was offered no solutions. Instead, I was told to get help from a " credit specialist. ''
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

Santander Consumer repossessed our vehicle voluntarily in 2005. Santander got the vehicle but still maintains we own money ( {$13000.00} ) on the vehicle and has placed it on our credit report as a write off. We want the matter closed, credit for the vehicle 's value and a zero balance.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a general complaint, applicable to ALL cards, so no specific dates or names, etc. 

The problem is that when making a purchase, the amount is IMMEDIATELY posted to your accound, but if and when you make a return of even part of the total purchase, you have to wait any number ( 1-6 or 8? ) of WEEKS for the CREDIT to be posted. Well, someone [ the cc " processing '' agency? ] is making a lot of money off of this little trick ( and big inconvenience to the consumer ). It's BALONEY! Credit should be immediately posted, the same as a purchase. 

Part of the inconvenience is that you need to remember to check that the credit was returned at all. Week after week, until a couple of months have passed. And THEN, if it  hasn't been, YOU have to make a lot of calls to figure out and/or convince someone what or that something went wrong. 

CONSUMERS ARE GETTING RIPPED OFF IN THIS ARRANGEMENT, and IT NEEDS TO CHANGE!!! 

This should receive high priority because it applies to all cards. 

Thank you for a reply.
Consumer complaint received 2023-11-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (GA)

I was in an at fault accident on XXXX XXXX XXXX XXXX XXXX is my insurance company which has wrongfully totaled my car. I understand the process of total loss. I told the Adjuster I wanted to owner retain my vehicle. I called my finance company whichbis Ally Financial and they agreed. XXXX XXXX refuse to send the proper documents to Ally Financial and Ally refuses to accept the XXXX car evaluation XXXX XXXX sent them. Ally said they need XXXX XXXX XXXX and XXXX XXXX keep stating they only use XXXX. XXXX XXXX stopped accepting my phone calls. I had to go to a local office to get a XXXX on the phonevand she stated she would send the XXXX XXXXhat Ally requested but never did. Meanwhile I pd out of pocket to get mylar repaired in the amount of XXXX to have transportation to work. Ally is forcing me to continue making payments and I saw on my account that another payment is not due until XXXX XXXX I did not make those payments. They are trying to take my car. I have never been late with an insurance payment or car payment.