davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frost-Arnett Company (LA)

When my credit was pulled on XXXX it came to my attention that there where XXXX medical collections reporting from the same collection agency that I was completely unaware of. I had XXXX XX/XX/XXXX and received numerous medical bills which I was under the impression I had made arrangements or paid all of these in full when they were received. Never did I receive any notices from any collection agencies or that would 've been an obvious sign they were n't paid and I would 've paid them. When my wife called this collection agency on either Thursday or Friday of last week, she asked if they had ever sent me notice of either of these supposed debts and the representative responded stating they had never sent anything but the hospital did so they do n't have to. She also stated they had just sent XXXX of the collections back to the hospital so they no longer had it anymore but the other they did have and I needed to pay it. I was under the impression however that they have to send notice giving the consumer 30 days to dispute the validity and to request verification. Without sending that notice, it was illegal to report the account on my credit report. I was also under the impression that 5 days after the first point of contact, they had to send a letter and it 's now been 7 days and I 've still yet to get anything from them. I 'm unsure as to whether this debt is truly owed or not because I 've not been given the appropriate time to investigate the account per law and being that I 've paid so many of these bills, it 's quite possible it has been paid especially since there were obvious mistakes with the XXXX collection they supposedly sent back to the hospital. If the debt is truly owed, I have no problems with paying but I do feel that the correct procedures need to be followed so that I could 've paid it to prevent it from hitting my credit report and I was not given that opportunity.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I was XXXX  from XXXX till XXXX in the XXXX XXXX XXXX XXXX. 2 XXXX Credit Cards, and 1 XXXX XXXX Credit Card was opened in my name. The first on was opened on XXXX of XXXX and the second account was opened on XXXX of XXXX, and the XXXX  XXXX card was opened on XXXX of XXXX Once I was released, I got a copy of my credit report and I notified XXXX and XXXX XXXX about these accounts and I also notified all 3 credit bureaus about this and they removed them from my report. 
Then they were put back on my credit report because XXXX and XXXX XXXX said that they were my accounts but I never opened them. I was incarcerated. I sent proof to them and to the credit bureaus. XXXX and XXXX XXXX still maintains that they are my account and they are not. 
Apparently someone was making payments on these accounts from an account that I never opened. I am angry that they would allow someone to do this to me. I never authorized this nor gave anyone permission to do so. The mail was taken from my mothers mailbox. Her box is out in the open for anyone to grab mail from.
Consumer complaint received 2016-02-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (AZ)

I bought furniture at XXXX XXXX XXXX on a 0 % loan that they offered me. Approximately {$1200.00} of furniture. I made timely payments. XXXX must affiliate with Wells Fargo, because my statements come with Wells on it. My statement I just received has a " previous balance of {$810.00} '' and charges me {$360.00} of interest. Now my balance is {$1100.00} at 27.99 % interest. I called Wells and spoke to a supervisor. The supervisor made a concession of a 25 % discount. I paid what she requested in entirety just now in order to get this 25 % discount via my bank routing number ( I paid her {$1000.00} ). The supervisor tells me that had I paid the {$810.00} just 7 days ago ( by XXXX XXXX ) that I would have saved the interest charge. This seems shady to me that my statement has never clarified when the 0 % was ending, what the interest rate would be raised to. Also, I question why the interest charge is XXXX instead of XXXX ( which is 27.99 % of XXXX ). I am frustrated and feel as though I have been " had ''. I qualified for the 0 % due to my good credit rating. I have never bought furniture on credit in my life. I am middle aged and this was a gift for my adult daughter. I feel as though the affiliation between XXXX and Wells is questionable as well. I remember that I " qualified for a ' {$9100.00} ' credit limit '' and then the " account '' was immediately closed ... not that I was going to buy more furniture. So it is just very strange. Can you help me in any way? I want to complain to Wells Fargo and to XXXX in regard to this shady practice in hopes that it will not happen to others. A side note : the supervisor at XXXX made me pay this amount ( the XXXX ... today, right now ... or else I would not " qualify '' for the 25 % discount ). Not fair when this payment is not even due until XXXX/XXXX/16. Thank you for your help.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I began the process of saving our home under the under the Home Affordable Modification Program in XXXX, which by the way save our home and I am very grateful to our government for making this happen. The issue is that I have suffered a devastating impact that is now impacting our small business. Unknown to me at the time, my payments under the trail period would be held and I would have a 90 day late reported on my credit report. I sent a letter to Wells Fargo on XXXX XXXX, XXXX to request the 90-day late XXXX XXXX be removed. I included all the supporting documentation to demonstrate that I had paid my payments on time as instructed by the bank. In addition that I successfully was approved for the Loan Modification. XXXX XXXX, I received a phone call from Wells Fargo requesting me to send them my credit report. XXXX XXXX, I fax the information. On XXXX XXXX, I contact the bank to ensure they had received my fax. Since they had no record of my fax, I asked for a email to send the documentation to and also confirmation of receipt. XXXX XXXX, I received a letter dated XXXX XXXX, stating " Under federal government 's guideline for the Home Affordable Modification Program we are required to report when the account is past due at the beginning of the Trail Period Plan ''. I contact the person that was handling the account and stated I made the payments on time as I was instructed. XXXX XXXX, I received another letter from Wells Fargo stating that more time was required. XXXX XXXX or XXXX, I received a phone call from the person at Wells Fargo handling my request, whereby I was informed that they are unable to change this reporting on my credit report since it is mandated under the Federal Government. I asked them to provide this decision in writing. As of today, XXXX XXXX, XXXX I have not received any written correspondence.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-12-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Since XXXX 2015 I have sent letters to IQ Data International to have an unknown account removed. I was never contacted by them initially, so I can not tell you what the debt is for. I discovered the account on my credit and requested that they send me proof they have the correct person and or advise me of whom the original creditor is and or what it is for ... ... .. 
However, they did finally respond to me a few days ago 6 months later alleging that the account is for past due rent. I have no idea how they got my information or when I was supposed to stay in the so called place. I was never once notified or contacted by the original creditor/apartment complex. IQ Data just placed the debt on my credit and left it up to me to discover it.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX temporarily held my XXXX loans, they now have been transferred to XXXX XXXX. The credit bureau however is reporting that i owe a duplicate balance and on my credit it reports it indicates both accounts. It should have been reported as a continuation of my account and not an additional account as XXXX account is closed and transferred the balance.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have my mortgage with SLS ( SPECALIZED LOAN SERV. ) I have been denied a loan modification several times for crazy reasons My home is listed as a MERS account. It has been sold over six times without sending a GOODBYE LETTER or notice. The monthly fees keep changing. 
changing. My payments are being sold as mortgage backed security, therefore the home can not collateral. MY TITLE IS CLOUDED AND SLS ( SPECIALIZED LOAN SERV. ) IS NOT BONDED TO COLLECT IN MY STATE. They are in violation of the TEXAS XXXX XXXX. NOW THEY ARE TRYING TO FORECLOSE ON MY HOME. PLEASE HELP CODE. They are trying to steal my home PLEASE HELP ME or
Consumer complaint received 2015-07-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MD)

Hi, my name is XXXX XXXX XXXX and I am a small business owner in XXXX. I have been abandoned and deprived by husband of 18 years and he has taken full control over my business. By having an attorney that I have no idea of, which I 've been calling over the last three months. Nevertheless, my husband is evading to met with mr for a divorce, he 's making falsifying and demeaning statements to his attorney ; indicating he left and refuse to pay bills because I 'm greedy and the attorney said I 'm avoiding not paying taxes like a civilize person, but my handsome had me financially striken with unforeseen unpaid business taxes, unpaid unemployment taxes and employee fringes. He 's established XXXX bank accounts in my business name, if which I 've never received a dime and he 's given others access to business financials and over XXXX cell phones in my business name XXXX held by mistress, he 's being charged criminally for submitting payroll without certified funds and I have just acquired another judgment on my home. I just learned he does n't pay taxes of files on time and he doing such with my business and the law states of my ein does n't account with his it 's a violation. However, as an LLC the company should use a personal as. I recently filed police report and fraud charges however while waiting this man has taken over everything including filing bk XXXX under my business. I 've notified both he 's bk who has given me the run around and attesting that my husband is the owners, however my articles clearly indicate differently, itrs confirms however whatever document he has provided to sdat staying I was voted out by board members and indicating that my husband and XXXX of his friends who are also writing checks.. My question is how can any of them be members if none were ever eatable he, my orders as well as all supporontony documents I had my husband lifted a chiief or feild operations, I was always {$100.00} owner and my responsibility was over finances, business decisions and payrolls. I worked on my own carrear and My husband would tell me that he had no contracts but I would assist on preparing bid :, I'veinvested money and time. He 's claiming I 've caused him health issues and he tried his best to proved but that 's far from the truth, he 's been lying, deciteful and would go at anything toMake me lose everything I worked hard for. While running and impregnating a neighbor but that 's not my problem, he 's been paying himself and spending ever dime. He has over XXXX artm cards and talking out {$7.00} and & XXXXAWeek and going to restaurants. Designer stores. Using the fraud accounts he has attend for his own personal greed and there are irs debts and lawsuits posed on the. I went to Wells Fargo and provided them with my articles, XXXX and police report and they tell me it 's domestic because XXXX is claiming ownership. I advises that 's far from accurate because he 's presented fraud by claiming to be the owner and acting in the capacity unauthorized.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IA)

I had XXXX vehicles through metro credit union. I had XXXX vehicles on XXXX loan. They were both repossessed. I never received the the paperwork to this judgement that is now filed on my credit report for currently {$11000.00}. I recently went to the court house to get a copy of this judgement. First of all the reporting date that 's on the paperwork is n't the same as reported on my equifax and experian. But the part I found very disturbing is the paper work has the original loan papers which has the the Cadillac car and the GMC van on the same loan. I have the paper stating they repossessed the Cadillac and that they sold it and put that amount towards the balance that I owed. But for some reason it does n't mention that they sold the GMC van and if they did re sell it, they never added that balance to the amount that was owed. Which makes this amount that I owe not accurate. I do n't know if they sold the van or not. But what I do know is they are saying I still owe something that they have and if they sold it I was never compensated off the amount that I owed. The amount that has hurt my credit to the point of not being able to pay back because the interest is about almost or is 20 %. The court house that gave me the judgment paper work told me that this account to be paid off in full including interest is over {$22000.00}. How could I ever afford that? They have charged me interest on a amount that is not accurate and because of this it has ruined my credit life. If I would of been given the paperwork I could of fought this in court. The person they served had no right to sign for paperwork important paperwork on my behalf not to mention I did n't live there at that time.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (ME)

There are multiple debts form XXXX collection agency listed on my credit report. Experian is the difficult XXXX. I disputed with XXXX I was not notified of the debts or collection accounts and they removed them. Experian, even when told the same cause, will not, even when I tell them the collection agency never notified me of these debts and I was not aware of them ( as an option to chose from XXXX they still keep stating it is my debt and wo n't remove it still. I tell them I should have been notified, nobody is proving if I was or was not notified in any way giving me a chance to review the debts and respond to them before they went to my credit report.
Consumer complaint received 2015-06-03
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Springleaf Financial of XXXX, CA Office refused to give me an approved loan after the review of my XXXX Bank Statement showing that I was making Installment Loan payments to XXXX XXXX and offered Today to reimburse me for gas and mileage from XXXX CA to XXXX and return.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX/XXXX/2016 - TranUnion is reporting that my vehicle was repossessed by XXXX XXXX even thought I paid off my vehicle in full a couple months ago and XXXX XXXX send me the title documents. I noticed my credit score dropped XXXX points since this error occurred. 
It is so interesting that when these companies make mistakes it is always in their favor and never in the favor of the consumer. Please help me in getting this matter resolved as I am unable to contact anyone at the credit bureau to correct this error.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The Information listed on Transunion 's for both me and my husband 's credit report, list an address that is not, nor has ever been mine or my husband 's address. The address reported on Transunion 's Report is XXXX CO XXXX. 

Please correct our report by deleting the above address from XXXX our reports. Thank you.
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There has been a report against my social security number of a bank account issued through Bank of America. The reports states that there was suspected fraud activity. I once had an account with Bank of America but it has been closed, but not for fraud. I also was n't notified of account closure for this reason.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I originally submitted a request online at www.transunion.com to dispute a collection account on my credit report by XXXX XXXX, XXXX : XXXX XXXX. I was made aware of this collection account by a voice message left by XXXX XXXX in regards to collecting the debt. I contacted them by phone & informed them that I have never had an account with XXXX and that I never authorized anyone else to open an account in my name. I notified them that I was a victim of identity theft. An identity thief used my personal information without my permission to open an account with XXXX. This debt is not mine. I was never informed of my rights as a victim of identity theft. Instead I was told that since this was a fraudulent account, he did n't expect for me to pay the full {$860.00} and that he could go as low as {$350.00}. I was informed that XXXX XXXX buys XXXX & XXXX of these accounts & that they buy these papers to make money. They told me that if I dispute this with Tranunion, Transunion would send the dispute to them & ask if they will remove it from my credit & that they will say " no '' because they want the money. This is exactly what happened & Transunion closed my dispute stating it was verified. I do n't understand how Transunion claims to verify disputes by sending them to the collection agency & allowing the collection agency to have the final say. XXXX XXXX does not have any info regarding this debt except for my name using my Maiden name as the last name and my SS #. Also, per XXXX XXXX, this account was opened in XX/XX/XXXX. I 'm not sure how they were able to add this to my credit report with the Account Opening Date of XXXX. XXXX XXXX has called me a few more times still trying to collect the debt. They were also using scare tactics stating that they were going to submit this debt to the other XXXX credit reporting agencies even though they are aware that this is a fraudulent debt/account.
Consumer complaint received 2015-06-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank charged my account a withholding fee of {$19.00} because they said they did not receive my signature card in time. I actually sent XXXX signature cards on XXXX different occasions as soon as I received the requests from Synchrony. Their Customer Service rep. admitted that they moved their offices to XXXX, GA during this period and that receipt of mail was delayed. They now tell me that my account will not be credited until the end of the calendar year per Federal Law. I feel that this was not my fault and that I should be immediately credited.
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (NC)

I was informed about this when I pulled my credit report. I contacted the company and was insured that if I would do the pay off it would be completely removed from my credit. So I paid the amount they asked for and it 's still on my report. It 's been over a year and when I call they hang up on me. I ca n't get no one to talk to me about this.. I 'm a single mom who 's trying to buy a home and I hurt myself trying to pay the complete amount to insure it would be removed from my credit report. Please someone help me with this.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (CA)

XXXX/XXXX/15 I signed up for a XXXX Credit Tracker program to see my report and Fico credit score. 
I called them to verify cancellation and was told as long as I cancelled within XXXX day, there would be no additional charge. This is not true. They billed me XXXX on XXXX. I called today to discuss this and was told there was no refund and that i had only signed up for a XXXX day program. Had I not called to verify being able to cancel, I may agree. However, my biggest compliant is the actual package. Yes, I got a credit report but the " score '' was either not my FICO or was inaccurate. It gave me a number of XXXX. The same company gave XXXX XXXX XXXX. It gave XXXX XXXX XXXX and I could go on. Even for XXXX what did i pay for? Credit reports are to be free once a year. Disputes are also free to file. I have ever done anything else with them except that. Today I was told i had logged-in to look at the report. No, I open the consumer site looking for a phone number! There is misinformation, false advertising and possibly fraud here in what they say they offer. The supervisor told me to look at the page I logged on to for the disclaimer about the XXXX day trial. Even looking for it I could not find it. They have a mulch-colored box with all their services and packages and at the very top of the page on a grey background in grey type, it does mention the 7 day trial. This is done intentionally so that a consumer will over look it. There is no doubt about this. I want my money back.