davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (MN)

I contacted XXXX XXXX for the debt owed on my XXXX XXXX account back in XXXX of 2021. At this time, it was reporting negatively on my credit report but had not yet shown up as collections on my credit report. XXXX XXXX were not willing to negotiate the debt at all and had informed me that it had been sent to collections, XXXX to be exact. I contacted this company by calling XXXX and set up arrangements for a settlement to be paid in full on XX/XX/XXXX. I explained that I was getting ready to purchase a home and it was important to me to get things cleared up quickly and before any collections hit my credit report. The lady I spoke with assured me that they would contact the credit reporting agencies within XXXX weeks of receipt of payment to report the debt as paid, settled in full. They drafted {$510.00} from my checking account on XX/XX/2021 and I received a confirmation letter shortly after confirming the debt had been paid. 
Today, XX/XX/2021, I checked my credit report as I WAS supposed to be applying for a home loan next month and XXXX showed up on my credit report as owing a balance of {$330.00} on an original balance of {$840.00} to XXXX XXXX. I called the company to see what happened and they stated that there was a mix up in communication and the settlement was never reported to anyone, and not only that, but on XX/XX/2021 XXXX reported this debt that had been paid, as collections to the credit reporting agencies. Over 45 days AFTER the debt had been paid, they reported as collections, even though it had been paid. I am very upset and asked the person I spoke with at XXXX, since they knew it had been paid in XXXX and then still reported in XXXX if they could correct their error and contact the credit reporting agencies and have the collections account removed. They said they would not and was adamant that the information currently being reported was correct. I have PROOF this account was paid and have a letter from XXXX confirming receipt of payment and settlement of debt and they STILL WOULDN'T do anything to remove the account. 
I would like this debt to be completely removed from all three credit bureau accounts, as well as the original creditor to be reflected accurately, as it still shows that it's in derogatory status and unpaid.
Consumer complaint received 2020-02-18
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: EQUIFAX, INC. (MD)

MY CREDIT SCORE SHOULD HAVE LEAPED 82 POINT BASED UPON AN ACCOUNT FROM XXXX BEING UPDATED YET MY FICO DOES NOT REFLECT THAT UPDATE, MY FICO SCORE HAS NOT BEEN UPDATED PROPERLY VIA XXXX XXXX AND EQUIFAX, I HAVE APPLIED FOR CREDIT AFTER I PULLED MY REPORTS ON XXXX XXXX XXXX YET WHEN I WEN TO THE CAR DEALER MY FICO SCORE WAS 60 POINT LOWER AS IF THE ACCOUNTS WHERE NOT UP TO DATE. I CALLED BOTH BUREAS THE ADVISED ME TO CONTACT THE FICO.COM YET I CAN'T AFFORD TO PAY FOR FICO.COM WHEN I SHOULD NOT HAVE TO IT'S THERE RESPONSIBILITY TO REPORT ACCURATELY MY ACTUAL FICO SCORE. I HAVE AN APP WITH A LAWYER XX/XX/XXXX TO DISCUSS HOW MUCH CREDIT I HAVE LOST, THE INTEREST RATES OFFERED BASED UPON THE INCORRECT FICO SCORES AND POSSIBLY SUIT FOR DAMAGES. THEY'RE VIOLATING MY CONSUMER FINANCE RIGHTS BY REFUSING TO UPDATE MY FICO SCORES.
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (CA)

XXXX XXXX - XXXX is not reporting my account to Equifax. This account not being included on my Equifax credit report is negatively impacting my credit scores. This error needs to be fixed. 

XXXX XXXX XXXX  - XXXX is not reporting my account to Equifax XXXX This account not being included on my Equifax credit report is negatively impacting my credit scores. This error needs to be fixed.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I purchased a XXXX TV at Best Buy. The salesperson offered me a store credit card with " 24  MONTHS ZERO INTEREST ''. I did not need the credit but it was such an attractive offer I decided to take it. This happened in XX/XX/XXXX. In early XX/XX/XXXX I noticed I was being charged interest. I contacted the company. It's customer service representative told me he would rescind the interest. THIS CONFIRMED TO ME I WAS CORRECT ABOUT MY UNDERSTANDING OF THE PARAMETERS ASSOCIATED WITH THIS CREDIT CARD. 

I always pay more than the minimum amount and pay off my balances before the zero percent offer expires. It wasn't until XX/XX/XXXX I noticed Citi was charging me interest again. I spoke with a manager this time. I told him I had zero percent interest and he corrected me : it was only with regard to items purchased at Best Buy. I closed my account immediately and paid off the complete balance ( except for the interest ) immediately. 

Unfortunately, I had set up an auto pay for the minimum and Citi continued to take the money from my account for 5 more months!! I contacted the XXXX   and California Attorney General. Citi has told me to pound sand!!! They sent me a form letter without acknowledging any of the specifics or even mentioning their fraudulent practices.
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (DC)

I am enrolled in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX coverage. XXXX  covers all deductibles, copayments and coinsurance on services covered by XXXX. I have sent all the information needed to Americollect, XXXX XXXX XXXX, XXXX, WI XXXX, phone : XXXX ( my XXXX   enrollment information and the information they need to collect payment ) but they keep on sending me a form asking for the same information. 
This is for a bill of {$45.00} for services rendered by XXXX XXXX XXXX on XX/XX/19 at XXXX XXXX in XXXX XXXX, Florida. 
I contacted the XXXX XXXX XXXX XXXX   billing company on XX/XX/19 with my XXXX  information. I contacted them again on XX/XX/19 and I was told to disregard the bill. I then received an invoice from Americollect and sent all the requested information on XX/XX/19. I have since received the same forms in XXXX and XXXX.
Consumer complaint received 2020-02-18
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX-XXXXXXXXXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XXXX XX/XX/XXXX XXXX {$210.00} XXXX XXXX XXXX  XXXX XXXX {$1900.00} XXXX   XXXX XXXX XXXX {$51.00} XXXX XX/XX/XXXXXXXX {$970.00} XXXX XX/XX/XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$450.00} XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$4800.00}
Consumer complaint received 2020-02-18
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} 08 XXXX XXXX XXXX   XXXX XXXX XXXX {$1500.00} 06 XXXX XXXX XXXX {$210.00} 09 XXXX XXXX  XXXX XXXX {$1900.00} XXXX   XXXX XXXX XXXX {$51.00} 01 XXXX XXXX XXXX XXXX   XXXX {$970.00} XXXX XXXX XXXX {$210.00} 09 XXXX XXXX XXXX {$450.00} 09 XXXX XXXX XXXX XXXX XXXX {$4800.00}
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (NY)

On XX/XX/23 I received an email about my credit report score being lower. When I looked into why, I found a collection account of {$1600.00} from XXXX XXXX XXXX XXXX XXXX. I immediately tried calling and them I reported it as fraud on my credit report. I called them once again and was able to speak to someone, who told me the account is for and address in XXXX XXXX- with my name and ss #. I told her I never live there and I don't know anyone who lives there nor did I give anyone permission to use my information to open any accounts. She refer me to FTC and suggested I filed a consumer complaint and that is what I'm doing.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

Received an alert on my credit report from a collection agency. On XX/XX/21 I called the creditor ( XXXX  ) immediately regarding the bill. Being that I had automatic withdrawal with them I should not owe. XXXX didn't change my bank account information so they never took money out so I paid them directly and received an email it was paid in full on XX/XX/21. I then I called the collection agency and informed them that I paid XXXX  directly and I sent them confirmation of proof that XXXX  sent me. Collection agency said that wasn't good enough. On XX/XX/21 I called XXXX explained to them that collection agency did not except my proof of payment. So she sent me a paid invoice and we called on a conference call and spoke to XXXX XXXX and her supervisor XXXX XXXX, the Respresentive for XXXX gave supervisor ( XXXX ) all the information XXXX requested about payment and we sent over the paid invoice and XXXX said that wasn't excepted and they needed to call XXXX XXXX to confirm. We asked for the corporate number she gave us a number to her company which they do not answer. I am told by XXXX on XX/XX/21 a notification electronically was to the collection agency to remove/closeout because I paid in full to XXXX. Collection agency is reporting I still owe. I filed a dispute with XXXX and sent them proof of documents that it is paid and collection agency is sending an E-Oscar stating debt is still owed. On XX/XX/21 I called XXXX again they told me on XX/XX/21, XX/XX/21 and XXXX they sent Collection agency notification electronically that I paid bill to them directly. Collection agency said I have to pay them as of this date XX/XX/21. Collection agency is upset because I will not pay them.
Consumer complaint received 2021-04-16
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. (GA)

I noticed accounts this month that I do not consent to, authorize nor benefit from any of the following inquires. Block and remove them.

Pursuant to FCRA 15 USC 1681. 

All of these accounts are in litigation.
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc. (IL)

In the XX/XX/2018 I got a mortgage from XXXX XXXX. I used a preapproval from XXXX. XXXX   XXXX performed another preapproval, and then another inquiry in order to process the loan. My conversations with XXXX and XXXX XXXX led me to believe that all of this activity would only count on my credit report as 1 inquiry if they all happened within 45 days of each other. On my credit report, I have 3 hard inquiries from these approvals and they all occurred within 26 days of each other.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (TX)

Collection agency is trying to collect on debt for an online school which I canceled in a timely manner started 1 course and canceled properly have had no transaction with collection company and they are not representing the original creditor they have reported to credit reporting agencies negative remarks an an negative account have not agreed with any they are trying to ruin my credit rating also harassing phone calls on a not call listed phone number which i have not given permission to call or signed anything with them
Consumer complaint received 2020-02-18
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX SELF-REPORTED XXXX XXXX {$690.00} XXXX  XXXX XXXX {$250.00} XXXX  XXXX {$130.00} XXXX XXXX {$60.00} XXXX XXXX {$73.00} XXXX  XXXX {$89.00} XXXX XXXX {$88.00} XXXX  XXXX {$120.00} XXXX XXXX {$240.00} XXXX   XXXX XXXX XXXX {$160.00} COLLECTIONS XXXX {$49.00} XXXX XXXX XXXX {$680.00} XXXX  XXXX {$360.00} XXXX XXXX  XXXX {$790.00}
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

I got a phone call from a employee to this loan company threaten to take me to court for payments that I am due which are two payments behind. I stated I would make a payment this month, she stated, did you hear what I said, a payment now are I am taking you to court. I am having finical issues due to inflation, I was a victim of being attacked by another loan manager at a nother company and the company is being sued by my attorney XXXX XXXX at XXXX XXXX XXXX XXXX, I am XXXX  by the incident, I am under my XXXX XXXX XXXX XXXX, plus on medication from the incident. This is not my first loan with this company, they just renewed my loan. I have renewed my loan twice with them already, they called me to come in for additional monies. There is a lot of turnover, in this company, employee wearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in knowing what's going on with your business, and she also stated they do not consolidate, because I explained to them a company I have been dealing with for sometime is willing to consolidate my loans into one payment to help me with this finical crisis. My mom is in XXXX XXXX XXXX, and living in her last stages of life. I don't need this foolishness from these employees who are unprofessional and so rude I will not be harassed.
Consumer complaint received 2024-03-06
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I checked debt collector on this because this is what this company represents them selves as. I am writing ab out Select Portfolio Servicing LLC. I was given a payoff plan to payback an amount I owe in arrears on my mortgage by Select Portfolio Servicing. It is a plan of 12 payme nts of  XXXX  dollars with a balloon payment at the end of  XXXX .  <P/> On the  XX/XX/XXXX  they received a dispute letter from me as to the amount owed as well as a request for the breakdown of all the numbers. I wanted to be clear as to how they came to these amounts before I pay them.  <P/> I called today to check on it. The payment plan was to start on the  XX/XX/XXXX  with the first payment of  XXXX . I have not heard anything about my dispute letter or my request yet. The first thing they tell me is that my account has been referred to a lawyer. It 's not even past the expiration date of the agreement yet. So why are we referring things to a lawyer. Also I have n't gotten an answer as to my dispute on the debt yet and it 's almos t 30 bus iness days since the request.  <P/> This company seems very intent on foreclosing on me rather than working with me. I have much distrust in their accounting due to having dealt with them on this issue for over 8 years. I have many times requested that we do a Principle reduction on the amount owed but they tell me they ca n't. Companies like them received millions of dollars during the housing crisis to do exactly that and they refuse to help. Claiming the investors in the trust would not approve that kind of action. I am not even sure if they can legally collect on my trust seeing as though they give me no direct connections as to who makes the actual decisions. It 's all very shady.  <P/> 
I have also may times asked for them to send me a copy of   the  Pooling and Servicing ag reement that they have to service this loan, it is public record, they refuse to send me a copy.  <P/> So I would like to see the breakdown on this Agreement that they have sent me. I want to know how much goes to fees, what those fees are, how much goes to principle and what would be the remaining amount of the mortgage will be after this plan has been completed. I need all that in writing before I would even feel comfortable paying this.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (ME)

I have not been contacted by  XXXX  (  XXXX  ), in regards to an email I sent in regards to this matter. I emailed several entites in regards tom this serious matter, including billing the wrong debit card, etc. The last contact was in regards to removing an incorrect email address. I have not heard from  XXXX  since my attached email.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (SC)

On XX/XX/XXXX I was contacted by a rep for AFNI collections agency, I was told I owed a debt I told her that I didn't owe the debt on behalf of XXXX low income because I contacted them because I was moving urgently for safety reasons, the rep at XXXX on XX/XX/XXXX told me the service wasn't available in the area I was moving to. I told him well I don't need the service because the move had taking place. Any utilities at this service address was off no later than XX/XX/XXXX so this service should of been turned of completely, which shouldn't of gone into another month of billing. The rep at AFNI took the tone as I told her this as if I refused I told her I like the steps to dispute she got mad and said she was going to report it on my credit and tell XXXX not to service me again and hang up on me. I called back that day to speak with a supervisor in which I left a detailed message and online request form for dispute with my account # I haven't received any response back. This seems to be a malicious attempt to harm my credit based on the reps actions for a minor amount. I received no notices outside of the most recent AFNI because my mail was being obstructed. AFNi was calling but never left messages so on the day in question I picked up to be upset by the manner in which the rep handled my call or didn't.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I established an account with Truist bank a month ago. I deposited a large cashier 's check from XXXX XXXX and they would not give me access to any funds for 7 business days. 

Today I tried to use XXXX to pay a contractor who did work for me. I put in all the required info and the contractor was already in the XXXX system. The requested payment amount was less than 1 % of the monies sitting in the account. The company put a hold on the transfer without telling me why. When I called the company to release the hold, I was transferred multiple times and asked to verify my information upon each transfer. I told them the purpose of the transfer was to pay a contractor who had already provided service to me. Even though I was verified as the customer by multiple persons, had a legitimate business reason for requesting the transfer, and the requested transfer amount was less than 1 % of the funds in the account, I was not able to get them to release the money until after I had been on the phone with them for over 55 minutes. And then they did it begrudgingly. 

Why should a company be so difficult in releasing money for legitimate business reasons? Why should a company continue to withhold funds without explanation against the consumer 's wishes after they had verified the consumer 's identity multiple times and established the consumer 's legitimate reasons for the request. This should be illegal.