davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

hello Today I was left a message at my cell voice mail to contact by XXXX XXXX at XXXX calling from law office due to non compliance I be serve with summit of complain by my local Sheriff at my local county .will demand court appearance? 
I call back the XXXX and spoke with XXXX XXXX who very rude will not answer my question on how the got my number .I ask for the law office name again but he refused to provide name. He also threat me to serve me at my work .He stated he was representing Ace Cash and I need to a pay my debt. I contact my local Ace cash at XXXX spoke with XXXX ; related the call and she advice to call XXXX or XXXX, I call XXXX an as I try to get information from agent she just wanted to know when I 'm going to paid my debt as i ask her about my call from XXXX XXXX she told me to stop interrupting and disconnected the call. 

We had multiple unforeseen family emergency 's and i have not been able to paid this debt but, feel i was not treated fair. 
Please help.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (PA)

I ran my credit report and it shows a derogatory mark from " XXXX XXXX XXXX '' in the amount of {$870.00} which shows an account opened date of XXXX/XXXX/2016. I have not received any communication from this company pertaining to this debt. No one has attempted to contact me by phone or mail. I have no idea what the amount is for. I disputed this with the credit agency and the result was that they added a note on the derogatory mark that states " account information disputed by consumer. '' I did not open an account with anyone on this date or around this date. I have 1 account that is 4 months old from XXXX XXXX. This is the only new account i have and it is in good standing. I do n't even know what this debt could possible be for??
Consumer complaint received 2022-09-09
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/2016 I missed a payments. I had moved due to job relocation out of state. I contacted XXXX XXXX XXXX   XX/XX/XXXX and has yet to receive an email conformation back in regards to my situation. I have been a loyal customer for 9 years and never had any issues with Navy Fed.
Consumer complaint received 2020-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Avant Credit Corporation (VA)

In XXXX, I got a {$2000.00} loan from Avant credit online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXX.They never called me, sent me one statement, seemingly wanting to make my credit worse!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX I found disrepancies on my report with XXXX XXXX, Equifax, XXXX Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2022-03-11
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. (MS)

Equifax, overnight, has removed EVERY account from my credit report with them. I now have zero accounts of any kind showing on my Equifax credit report. They removed 25 accounts of all types ( revolving, mortgage, loans, etc. ). I have called them multiple times to try and fix this and they keep coming up with excuses as to why it is my fault. None of the other credit reporting companies have done this. My credit score went from XXXX to XXXX overnight with Equifax and they show me having zero credit.
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CT)

This is a followup complaint to my previous complaint XXXX. 

Regarding my previous complaint XXXX, I appreciate Freedom Mortgage 's prompt response and their acknowledgement of their error made with my account. After consulting with my accountant, the estimate of {$300.00} was lower than the actual taxes I will need to pay as a result of Freedom 's error. The property tax payment made by Freedom Mortgage on XX/XX/XXXX was {$3300.00} and I am minimally in the 25 % tax bracket for XX/XX/XXXX. Freedom 's payment error will cost me {$840.00} in extra federal taxes for the XX/XX/XXXX tax year ( XXXX x {$3300.00} ). Given that Freedom has already sent me a check for {$300.00}, I am requesting a second and final payment of {$540.00} to pay for taxes I will need to pay as a result of Freedom 's error. Please feel free to contact my accountants, XXXX, XXXX and XXXX to verify this information. Their website is XXXX XXXX XXXX and email for XXXX XXXX is XXXX. Thank you.
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (OH)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am currently going through the process of buying a home. For over a year, my credit was around XXXX, never low than XXXX. Around XXXX this year, it dropped down to XXXX. There has been no changes in my credit. I still have the same installment loans ( mortgages, cars ) and have not changed any of my credit cards or applied for anything new. I do not have any complaints that would have changed my score. 

I believe this is from discrimination against me and my wife. There is no reason why my score would have dropped by that significant amount during this time unless it was decided based off our age, race or ethnicity. 

I am filing complaints with each bureau for their unethical behaviors and will report this in any way I can to make the public aware.
Consumer complaint received 2019-03-05
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. (NY)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-03-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OR)

XX/XX/XXXX received next monthly payment notice, which is common. However, because Specialized Loan Servicing doesn't want to understand, listen or even try to mitigate the problem regarding escrow account. On the monthly statement, they have included two billings for fees against the escrow account. 

XXXX XXXX XXXX ( XXXX ) transferred my mortgage loan to Specialized Loan Services ( SLS ). XXXX said they passed on all the paper work about the loan, including the paperwork showing the State of Oregon paid my property taxes. SLS said they didn't find the paperwork regarding the property taxes, which I suspect is a lie because they didn't look for it, and furthermore ignored the information relayed to them about Oregon paying the taxes. I talked twice to a gentleman about the issue, provided all the contact information for the Dept of Revenue on the tax issue, and they ignored this, too. They provided a notice that said the issue could be brought up to date if a payment of {$1000.00} was submitted. Again, it appears they have ignored all that has been said to them. The State of Oregon reviews the tax payment issue every two years, and this is that time again. Oregon has acknowledged receipt of the paperwork for re-certification for payment. The approval will not be issued prior to XX/XX/XXXX.  Once received, a copy can be forwarded to SLS, but I suspect they will feel entitled to fees. In the mean time, the Principle and Interest have been paid on my mortgage based on prior data. But SLS feels a penalty is due. They will NOT receive any such penalties, because a course of action has been provided, but they have thus far ignored everything. 

SLS isn't listening to me, and it appears my case is not original. This can be rectified, but on terms suitable to the situation, and not on terms where SLS charges a fee on almost everything they do. The money for escrow is available, or the State of Oregon can issue a payment schedule for the taxes due in XX/XX/XXXX. There was prior documentation that this was done in the past with XXXX XXXX, but SLS has chosen to ignore and disregard this procedure. Any and all explanations and data provided to SLS have been ignored, because I suspect their sole objective is to thrive on fees, to which they are NOT entitled. 

The underfunded escrow can be brought up to date. But it's all subject to government agencies providing paperwork or funds. The property taxes will be paid, it's a matter of timing, and this has been explained in detail to SLS. It's all fallen on deaf ears intentionally. NO FEES WILL BE PAID. PERIOD.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, I enrolled my American Express card into this promotional offer ( see attached for email confirmation ) : use your enrolled Card to spend {$350.00} in one or more transactions in-store at XXXX XXXX or XXXX XXXX or online at XXXX or XXXX by XX/XX/XXXX. Earn XXXX additional Membership Rewards points, one time. 

On XX/XX/XXXX, after the enrollment I made on purchase for {$350.00} on XXXX and received American Express email confirmation that I will receive XXXX within XXXX days. Please see attached. 

On XX/XX/XXXX, after many calls following up with American Express, they refuse to honor the promotion. A disappointing scam as I would not have made the purchase on XXXX if it was n't for this promotion. I 've been with American Express for so many years and this is the first time I 've been so ready to discontinue my relationship with it.
Consumer complaint received 2019-03-05
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: Midwest Recovery Systems (HI)

I filed a dispute with XXXX XXXX XXXX on XX/XX/19 regarding Midwest Recovery Systems alleged collection for {$1000.00}. XXXX notification response indicated the collection is accurate. 

I contacted Midwest Recovery Systems today on XX/XX/19 and reported this is false and identity theft as I have never opened this type of account. I also requested hard copies of the original contract to review for myself the validity of this as I know I did not apply or take out this type of loan. The company kept transferring me and did not respond with the information I requested.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (DC)

XXXX is changing Health Savings Account ( HSA ) providers with limited notice from BenefitWallet ( Bank of New York Mellon ) to an account with " Further ''.

HSA holders are asked to sell any investments and transfer their funds as of XX/XX/XXXX or to pay a {$25.00} fee to transfer after XX/XX/XXXX. Account holders are also required to pay monthly fees to maintain a BenefitWallet account after XX/XX/XXXX.

The CFPB should prevent health plans from making unilateral changes to service providers with less than 1 month notice.
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

I was looking to rent a home, I came across a home for rent I called the number. The man said I could go look at the home immediately he sent me a code to open the door. I went and looked at the house on XXXX. After viewing the house the man contacted me and asked if I was interested and what I thought. We talked for a few minutes he then said he would need to complete a credit check and I would need to fill out application. The fee was {$50.00}. I got the application filled it out and sent it back to the man with copy of ID and social security card. And the fee. Hours later he contacted me saying I was approved. To secure the house he needed first and last month rent and he would return the following day with the keys to the house. I sent the funds in the amount of XXXX. The following day I contacted him and my phone number was blocked. I immediately contacted my bank and let them know what happened, and my bank told me there was nothing they could do.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

In XX/XX/2018, I received a letter from Loancare stating an escrow refund check in the amount of {$720.00} was issued but never cashed. The letter asked that I confirm that the original check was lost or never received to receive a replacement. On XX/XX/2018 I signed and emailed a pdf scan of the letter to Loancare for processing. After several follow ups over the past year, I have not received my replacement check.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (AZ)

I have called this company several times to let them know that i have dealt with this account directly with XXXX. XXXX has advised me multiple times to deal with them directly to resolve this matter. Now it is reporting on my credit report and i dont owe XXXX XXXX anything
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

this company is putting information onto my consumer report without my written consent which is a violation of my consumer rights. I have sent them mail and called them over and over again to try and get this resolved. In the letter i have attached it shows the accounts and inquiries, also giving them instructions on what i am demanding them to do with the accounts. These three companies have a job to do and that to make sure everything is supposed to be reporting fairly and accurately, according to the FCRA. Reporting negative information that I didn't give consent on is not reporting accurately or fairly.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (MA)

Received a reward gift card for my birthday from my mother in law in XX/XX/XXXX. I had not attempted to use it/activate it until XX/XX/XXXX. I did not realize there was a valid through date on the card. It was only valued at {$21.00} because of expired monthly fees. I was even more shocked to find a {$15.00} to re-issue a new card with valid thru date.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I started receiving emails from CapitalOne on XX/XX/XXXX. One was to congratulate me for opening a XXXX XXXX XXXX, two others to tell me my phone number had been changed. On XX/XX/XXXX and XX/XX/XXXX I got two more emails urging me to finish setting up my account. I kept the emails in a separate folder, but assumed they were phishing attempts. These emails do have meta data identifying them as coming from capitalone.com I received a debit card on about XX/XX/XXXX. I began to regard this as something other than phishing, and realized somebody had actually opened a checking account at CapitalOne. I called the number on the back of the card, proved who I was to the satisfaction of the card fraud department, and they cancelled the card. I shredded it. 

I continued to get emails encouraging me to deposit money in the account. I received a letter from CapitalOne dated XX/XX/XXXX that my account had been closed, and on XX/XX/XXXX received a bank statement with a XXXX balance. 

I can't figure out the angle here, and have come to believe that somebody at CapitalOne has opened the account in my name for reasons unknown. 

I have never had an account with CapitalOne, nor have I ever applied for an account.