davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
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. (SC)

Please remove the fraudulent addresses from my credit report. They are reporting inaccurately on my credit report. 

XXXX XXXX XXXX XXXX SC XXXX And XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (OH)

Once again, I claim extortion against bull city collections and XXXX XXXX  these companies know I have paid my old XXXX XXXX bill off. The bill was in the address XXXX XXXX XXXX, XXXX, Ohio XXXX. The balance of the bill was {$170.00}. Anybody that has XXXX XXXX in their name know you can not obtain new service in your current new address if you have an outstanding bill with XXXX. Bull city collections is mad because XXXX receive payment without their services ... 
Monies that were paid to XXXX well as XXXX not professionally contacting bull city collections. Either way none of its my concern. My business was with XXXX XXXX and I paid XXXX what I owed in order to get new service at the address I am contacting your agency from which is XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, Ohio. XXXX. 

XXXX  is no better they refuse to accept black & white as well. XXXX  be wrong with these companies setting out to ruin people lives when in fact we as consumers works too XXXX hard to get back on your feet credit worthy wise SERIOUSLY ; Please review the documents in the attached complaint. there was a payment made XXXX. XXXX XXXX  credit billing offices can verify that payment had to be made in order for me to get service. XXXX billing offices sent current payment info to 2 credit bureaus XXXX and XXXX. Both XXXX and XXXX listed XXXX XXXX  debit in the amount of {$170.00} ( Status PAID! ) Apparently, XXXX did not contact XXXX  or Bull City Collections and if XXXX did indeed contact XXXX  then its XXXX  refusing as I mentioned above refuses to post current XXXX payment info on my credit report as paid. 
XXXX and XXXX it shows on my credit report which is in black-and-white that this payment of XXXX was made bull city continues to try to extort money from me this needs to stop human air is divine when you have several people working on accounts things get twisted up and confused. I am so sick of this please get these monsters off my back! I paid the bill with XXXX XXXX make them remove that from my credit report I will keep fighting and not let these people know I may because Im working too hard to do better I will not tolerate please remove there are documents attached shows proof the payment was made. Creditors and collection agencies refuse to respect documents current documents this can not be allowed please contact these people with the necessary evidence tired of trying to talk to them as if I am blue in the face seriously!
Consumer complaint received 2024-03-03
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. (FL)

There are credit inquiries that I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC (FL)

I've been trying to get my free consumer report from Early Warning Services , LLC for over a month now but they have yet to send it to my email address. I made an account for their online portal and sent in the document & my ID that was required, but now when I try to login it won't allow me and when I click " forgot password '' it sends me an email telling me that I've been denied to change my password. It doesn't make any sense. 

I received a letter in the mail to call their XXXX number with my consumer ID number so they can verify it's me and to to get my consumer report. I called and talked to a woman on the line and was told I was put in the queue for the consumer report to be sent electronically to my email but it has yet to arrive. 

I've had no issue with getting my report from XXXX or from the three major credit bureaus who make it a much easier process. I don't know why EWS makes it so difficult.
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

I have asked my mortgage company to cancel my HO Flood and Insurance for 18 months. I have written letters, emailed and nothing. I complained via the CFPB. 
They responded ( incorrectly to part of my complaint ) and ignored the remainder. 
Then closed it erroneously. 

My previous Mortgage company had forced me to have HO Flood and HO Insurance on threat of Lender placed insurance. FAY have basically totally ignored my requests to sort out the insurance.
Consumer complaint received 2019-09-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (NJ)

The credit company failed to follow proper federal credit reporting act prior to putting four medical debts on all credit bureaus. The medical debts were removed from my credit report, then put back on prior to following proper procedure. I had health insurance at all times in question.
Consumer complaint received 2019-09-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I am a XXXX years old XXXX man, someone of got into my credit and charge my credit cards up very high, so, .I call One Main Financial and got a loan. I did not know that interested rate would be so high that, I can pay the loan off. The loan amount was {$13000.00} dollars and I have made Six payment it all going interested and still at {$13000.00}. My name is not signed on the application. One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX. Can someone help me? XXXX XXXX XXXX XXXX XXXX or XXXX.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OR)

I have tried to transfer my American Express Membership Rewards to airlines for several times, but the system keeps showing an error message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' This is the THIRD time through this year AMEX freezing my Membership Rewards account without any reason and the customer support from AMEX did not help at all. This is really frustrating that I can't redeem my reward points when I really need to use them.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grant & Weber (TX)

as of XX/XX/2019 during an employment process, i was made aware of a debt account that would prevent me from being hired. Upon further investigation of an account i am unable to find out exactly what it is for. 
When speaking to the collections agency about the account the ask me if i am XXXX. Which is my ex wife and no one is able to tell me exactly what this account was in question but i am being told i am responsible for payment. I will not pay this account as in the divorce decree it is stated that She will pay debts that are in her name and i will pay debts in my name. I am not aware if this debt has my name on the account and will dispute in order to have it removed and placed completely on her account.
Consumer complaint received 2019-09-26
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. (TX)

On XX/XX/XXXX, XXXX stated I would have to authorize a Commenity Bank to pull my credit report to increase my line of credit. I asked if it would be a hard pull or a soft pull and she was stated I would need to contact the Credit Bureau. I also talked to her supervisor XXXX who stated they could not provide clarification to consumers about if they do a hard pull or soft pull. XXXX stated that their credit department does not speak to customers to clarify which pull they use to review consumers credit. She also stated she had no way of communicating with them for assistance. As a consumer it is our right to know if a financial institution uses a hard pull or soft pull prior to authorization a credit review to assure we have know the possible impact it could have on our credit report. XXXX also stated she could request a line of credit without pulling my credit report after XXXX stated it was a requirement.
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AZ)

I am writing this letter to document my formal complaint against Flagstar Mortgage Company. I am deeply disappointed with Flagstar as a mortgage provider. I have owned a home and dealt with mortgage companies for over 16 years and the four months at Flagstar have been the worst experience Ive ever had. On two occasions my payments have been lost in the Flagstar system. This has led to harassing phone calls to me about missing my payment.

In my most recent payment issue, my XX/XX/XXXX payment was sent through my Bank Bill Pay. The payment was mailed on XX/XX/XXXX. Flagstar began harassing Robo calls to my phone around XX/XX/XXXX. On XX/XX/XXXX my check was processed and deducted from my account balance. Flagstar continued to send automatic Robo calls to my phone. I returned the harassing phone call on XX/XX/2019. I was met with a condescending phone representative who insisted that my bank had withdrawn the assets before sending the check. She did not attempt to research my request. The representative then put me on hold with no warning or explanation. I disconnected the call and called back. My call was immediately disconnected. When I called back for the third time, I spoke to a reasonable representative. She was polite in hearing my issue. However, the missing payment was still my issue to solve. I had in hand check images that showed a time stamp of the check being received on XX/XX/2019. I was instructed to email Flagstar with my check images. I followed the direction.

It further disappointed me that Flagstar did not reply to my email to even acknowledge they had received my request to investigate the location of my mortgage payment. There was no follow up communication or explanation to why my funds were cashed on XX/XX/XXXX but unaccounted for eight days more until I contacted Flagstar.

I have the corresponding images I sent to Flagstar to prove my payment was in their possession. I believe to cut costs they use a lock box, and this led to the mismanagement of my payment transaction. This is not the first incident. I had a similar experience with my first payment in XX/XX/XXXX. It was not lost in the system as my XX/XX/XXXX payment was misplaced.

How can I request to be transferred to a competent mortgage company that does not use short cuts like lock box and then automated Robo calls to harass its customers when their system caused the issue?
Consumer complaint received 2024-03-03
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. (MA)

Company : XXXX XXXX XXXX XXXX  : amount of XXXX XXXX XXXX  : amount to of : XXXX XXXX  XXXX XXXX XXXX  : Amount of XXXX I never had a contract with this debt collector for any debt. Account have been disputed numerous of time and have not been removed. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-02-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc. (SC)

This company sent me a letter saying I will be getting a refund back. The reference number is on XX/XX/XXXX, our Bankruptcy team initiated a refund for {$340.00} on XX/XX/2023 ( reference number XXXX. 


They lied and I don't have the money
Consumer complaint received 2019-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My credit score history suggests there have been forces impacting it negatively, but my report does not indicate any negative activity. My score on XX/XX/2019 was XXXX, my score on XX/XX/2019 was XXXX, and my score today ( XX/XX/2019 ) is XXXX. TransUnion is unable to give me a reason for this drastic change. TransUnion refered me to the FTC and the FTC refered me to the CFPB to file a complaint.
Consumer complaint received 2019-04-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (CA)

On the day I purchased my car from Huyndai dealership in XXXX XXXX, Ca on XXXX XXXX I had already been pre-approved by my bank for a car loan. The financial Manager, XXXX XXXX, promised me a lower payment and interest rate, he was very pushy and would not let up until I went with his institution. He did not provide me with any person copies at the time of signing and just pushed me to sign without explaining what I was signing. He stated that I would get an email with a copy of the agreement because his dealership no longer provided paper copies. I did not receive any email and I even checked my spam folder. It was until a month later that I received anything. The agreement showed that I had a larger payment and much higher interest rate. I attempted to solved the issue with the Huyndia dealership and with XXXX XXXX but he was very rude and raised his voice while I was attempting solve my issue and even made fun of how I spoke English which is not my first language.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I was cold called XX/XX/19 from my mortgage company, Quicken loans. A salesman asked if I would be interested in an offer to make my mortgage cost less over time. 

I told him I would be interested in learning more, but he pressured me into saying specifically that I would be interested in doing something like this. He even put in a bit of a snide " it's a simple question '' to pressure me. 

I confirmed I would be interested, and he told me some details. I asked to be emailed more information on this, and I would not confirm that I was willing to start these proceedings. I was very careful in stating that I do not approve of this and I wanted more time to think it over. 

He continued to pressure me and try to counter any justification I had for waiting. I told him to have a nice day and hung up the phone. 

He proceeded to call me back at least three times. I did not answer, and I turned my phone off after the third call. 

I did not say that I was willing for him to pull my credit, which he did. I wanted more information about what he was offering. If he took my consent of being interested to mean that he was allowed to pull my credit information, it was not informed consent. I had no idea he would make any credit inquiry and he didn't try to confirm that with me. 

He only asked for my last 4 digits of my social for identification purposes. He specified he was asking for those numbers for identification purposes. 

I logged in to my account online and saw that he had started a refinance process on my account.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I have a small XXXX  collection account on my credit report. I lived in NY at the time it occurred. In NY collections fall off after 5yrs.

Equifax is arguing that because I moved it reset the clock. I confirmed with a credit law firm that the statute of limitations remains in the state where the debt occurred and can not reset to the new state.

I have also recently read that all three credit bureaus are going to delete all XXXX collections under {$500.00} in XXXX. My collection was both under {$500.00} and due to fall off in XXXX. I requested early exclusion and was vehemently argued with that they intended to keep it on my report an additional 2yrs! Beyond not following rules they are abusing power and using intimidation to harm people financially.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

XXXX. On XX/XX/XXXX, an incorrect bank transfer into my account was initated. This was a mistake as I was attempting to send my {$34000.00} out of my account to an external account. 
XXXX. There was a NSF on the external account and the transfer did not go through. Once again this was a mistake as I was attempting to send money OUT of my account. 
XXXX. On XX/XX/XXXX, in another attempt to send money OUT of my account I initiated a wire as I needed the funds transferred out immediately. 
XXXX. By Friday, XX/XX/XXXX around XXXX, I called Ally Bank inquiring about the status of my wire. I spent over XXXX hours speaking to multiple people who were unsure as to why the wire did not go out. In fact I spent XXXX hours with XXXX individual who was unable to get in touch with their wire department. The wire department was being completely unresponsive to the customer service representative and he indicated to me there was a problem with the bank sending wires. No action occured and no information was obtained as to why the wire was not sent out. Following XXXX hours of contacting customer service, I requested to cancel the wire. 
XXXX. I then initiated another ACH transfer OUT of my account for {$34000.00} on Friday. 
XXXX. On Monday XX/XX/XXXX, the funds did not leave the account. I called MULTIPLE times and spoke to multiple people who assured me that there was no restrictions on my account. No one could figure out why my funds were not leaving. 
XXXX. On Tuesday, XX/XX/XXXX, I called multiple customer service representatives who were unable to determine why the funds were not leaving my account. I have one customer service representative assure me that any restrictions were lifting. Shortly after spending an hour to reach that conclusion, I received an email at XXXX XXXX indicated that Ally has suspended my transfers. I then called AGAIN and inquired as to why my account was being suspended for transfers. I spoke to MULTIPLE customer service representatives include XXXX XXXX ( Supervisor ) who accidently transferred me mid-call to XXXX XXXX in Deposit Operations. Neither had any clue as to why there was a restriction placed on my account.

ALLY Bank is holding my funds against my will. The customer service representatives are knowingly misleading me. I feel discriminated against. I have spent almost XXXX HOURS dealing with person after person after person. I want to remove my funds from ALLY and CLOSE MY ACCOUNT immediately and they wont let me. XXXX XXXX even tried to claim i didnt have {$34000.00} in my account! I dont feel as though my money is safe. I feel defrauded. I dont know what to do. No one is helping me. I am submitting the latest screenshot of my account as of XX/XX/XXXX at XXXX ET in case ALLY attempts to defraud me and steal my money.
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (AK)

For the second time on XX/XX/XXXX at XXXX, I was contacted by " XXXX '' at Source Receivables Management in regards to an owed debt. I in he past had already asked them never to call me at work. Both times I have spoken with someone and tried to end the conversation ( because I am at work and can not accept such calls ) they were both extremely rude and argumentative. I felt like I was being personally attacked. Both times I have had to hang up to not cause a disruption at my work place.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

They let someone withdraw {$400.00} out of my account which caused it to overdraft. No one had or has any of my pin or banking information. When I called and reported it as fraud, they simply told me that because of the geographical location was close to my home, I owed them the {$400.00} and the overdraft fees. I refused and told them that was not correct. They insisted they would not reverse that fraud and basically I was out {$400.00} of my hard earned money and I owed the overdraft fees. They withdrew money from an atm in XXXX XXXX. I live in XXXX XXXX. There is no way that is relatively close to where I live. That put me behind on my car payment and I almost lost my car because they didnt care. And they are still hounding me for my owed {$400.00} plus overdraft fees!! Ridiculous!!