davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MI)

For Several months I have repeatedly reached out to National Credit Systems , Inc. in regards to them reporting false, inaccurate, and misleading information on my credit report. With proof of identity theft I have responded with completion of there fraud package, my police report, sign affidavit of my identity and copies of my identification and social security number. This company has repeatedly failed to adhere to the law and has in fact violated the Federal Fair Credit Reporting Act.

First attempt was made XX/XX/XXXX and I informed the associate that I was a victim of identity theft. He notified me that he would send out a fraud package. I later returned that package within a few days. I followed up with a call and the company verified that they received it. For several months I continued to send correspondence via. mail. 

Attempt 2 : XXXX XXXX XX/XX/XXXX : A phone call was placed to National Credit Systems at ( XXXX ) XXXX XXXX. After first being forwarded to a collection agent I was HUNG UP ON! At XXXX XXXX a second phone call was placed and a lady by the name of XXXX forwarded me to a XXXX XXXX who stated that he was a supervisor of the department and that he in fact had no manger above him that i can speak with in regards to the case. A return phone number was provided and Mr. XXXX stated that it would be forwarded. At this time of XX/XX/XXXX no return phone call has still never been made and they continue to break the law. 

All calls have been recorded. 

Last Attempt was made today XX/XX/XXXX at XXXX XXXX Eastern time to their office and after being hung up on twice after simply saying that I was a customer calling about a debt I then, called for a third time an spoke with XXXX again, who this time forwarded me to XXXX XXXX who then verified again that they did indeed receive all of my correspondents and that I can not talk to anyone in the department to properly get the matter resolved and it could take months longer! It has been over a year that this company continues to report false information on my credit report and has cost me employment wages and opportunities along with emotional stress. 

The amount of the inaccurate debt is {$5300.00} and I do not owe this debt or have ever done business with the company that they are referring to.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

I XXXX XXXX XXXX, XXXX, beneficiary, and Executor of the XXXX XXXX XXXXXXXX XXXX have been seeking immediate action from the XXXX XXXX and XXXX XXXX over the inaccurate and unauthorized consumer reporting of accounts, false and misleading information, obligations, and transactions ; Breach of privacy on the Estate and defamation of character has occurred by actions taken or not taken. Trustees are currently acting in a malfeasant way and are in breach of Trust and fiduciary duty by said actions. 

The National Credit Reporting Agencies have failed to adequately remedy or investigate the matter under equity.
Consumer complaint received 2018-02-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (ID)

I received a bill in the mail for {$120.00} from XXXX XXXX Account number XXXX. I called to pay the debt. They told me there was another debt of {$550.00} attached that i was going to be served on. 
I called back to speak with XXXX, she informed me that even though I had not yet been served I would now need to pay {$1000.00} for legal fees and filing fees. 
I called back on payday to pay the debt ... I STILL HAD NOT BEEN SERVED. XXXX, whom I spoke with said the total owing was {$550.00}. I asked her if I needed to pay the {$1000.00}. She asked me if I had been served. I told her no. 
She then told me I would only need to pay {$550.00} to settle the debt. That is exactly what I did. 
I received a call XX/XX/2018 from XXXX, who was extremely rude and said I still owed the remaining balance. I informed her that I have yet to be served and XXXX told me I did not need to pay the difference {$1000.00} minus the {$550.00} because I had not yet been served. She could go back and listen to the recorded phone call because I specifically asked if that needed to be paid, I had the money in hand and she told me no. 
XXXX, said she would go back and listen to the call but I was still liable for the debt. I want to know my rights and if this is true?
Consumer complaint received 2018-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Ditech Financial LLC (OH)

We have a loan w/Ditech XXXX. XXXX  XXXX XXXX XXXX SD XXXX XXXX for our RV and we have moved from XXXX  to XXXX  and need to register the vehicle. The state of XXXX  needs an original title to the vehicle to register. Ditech will not comply with this. So we are paying on an RV now that is not legal in the state of XXXX because Ditech refuses to send an original title to the XXXX  XXXX County Title Office. 

XX/XX/18 went to XXXX XXXXk County Title Office @ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to get a temp plate where they request an original title to complete the plate registration in XXXX  Ditech never complied. Went back to the XXXX XXXX County Title Office on XX/XX/18 the BMV submitted the request to Ditech via Fax. 

Ditech never complied. Went to back to XXXX XXXX County Title Office on XX/XX/18 and the person at the XXXX  XXXX County Title Office spoke to a Ditech representative named XXXX explaning the XXXX   law of needing an original title to register the RV. They indicated they were going to send it directly to my home. Never rec 'd it. 

We have followed up with Ditech twice on XXXX and twice on XX/XX/18 and XX/XX/18 regarding this matter of the title. We never get the same Ditech representative again when we call and as we explain the matter to them they basically go silent and we don't even know if they are still on the line, till we ask if they are still there. 

All we want is the original title sent the to the XXXX XXXX County Title Office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX so we can get this RV registered in the state of XXXX. 

XXXX and XXXX XXXX
Consumer complaint received 2018-04-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CO)

Out of nowhere, I received a call from XXXX XXXX XXXX   staying I was defaulted on a loan from Navient.   I checked into my loan consolidation page for XXXX   and it shows I have a defaulted loan with Navient.  No details on this defaulted loan were provided.  I consolidated all my student loans in XX/XX/2016.  Nothing from Navient showed up during that time.  I called Navient and they cannot give me the year the loan is from.   Navient representative says it is eight loans, but my greatlakes website says two loans in default from Navient and refers me to talk to them.  All information provided has been inaccurate.  As far as I know all my student loans were consolidated back in XX/XX/2016 and I haven’t had an issue paying.   Definitely debating the validity of this since the information provided is shady and does not match.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

M name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

On Wednesday XX/XX/XXXX I received check # XXXX in the amount of {$1400.00} intomy checking account ending in XXXX. The check is from my employer XXXX XXXX. Citibank stated the check was fraudulent saying it look altered and XXXX XXXX  ( the account check drawn off of ) said it was not a good check. I called Citibank fraud department to inform the check is valid with the controller and ceo of XXXX on the phone. I was treated rudely and issue not resolved. I went in person on XX/XX/XXXX to talk to a personal banker for assistance and to prove my check is not fraudulent. I gave the company contact information and I asked them to verify the check. They are in the process of closing all my accounts and are telling me I have to wait 30-60days to get my funds. I have a rent payment and car note payment due. I am being treated unfairly
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/2018 i applied for a credit through wells fargo 's online site. my intention was to do a balance transfer from XXXX XXXX and enjoy the no interest period and pay off my debt. i submitted the application and was surprised that i was not instantly approved. i decided to 'sleep ' on it and check my email the next morning. i had gotten an email overnight from well fargo informing me that my application woud take more time for review. i saw a phone number and decided to call and check the status of my application. the agent that assisted me informed me that my application was actually declined. i asked why, and she informed that it was due to activity contained on my XXXX credit report. this was new to me, i check my credit report at least once a month and monitor my credit score once a week. i was also told that i was going to get a lette in the mail in few days with the reason i was denied. i got the letter in the mail today. and the letter said i was denied becuase i had open too many trade lines within the last 24 months. the back of the letter also stated that my XXXX   credit score was used a deciding factor in my application, my credit score was listed as XXXX. in all of my experience a credit score of XXXX is considered high. i reached out to well fargo for a further explinations and was trasnfered to the 'executive office ' but they were not ableo to help me. i feel that my high credit score should have been enough to have my applicatio approved. the agent did not seem to want to help me. at this point, i have already applied and by approved by another bank but the damage is done. there is now an inquiry from wells fargo for an application that got denied for no reason. my desired solution is to problem is to have wells fargo remove the credit inquiry from my credit report. i suspect that wells fargo is envoking the '5/24 ' rule. meaning that credit card companies wil deny applicants, regardless of credit history ; if they have had 5 or more credit cards opened within in the last 24 months. it is a practice that i feel is used in order to lower credit scores, which therefore will mean applicants can get approved for higher interest rates. my application # XXXX
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I sent my payment early for XX/XX/XXXX on XX/XX/2018, with my letter requesting they had made an error in charging me late fees and interest. My payment was 18 days early as it wasn't due until the XX/XX/XXXX of the month. When I looked at my bill again, I saw that they had been charging me late fees for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. I had made my payments by the due date. They stated that they did not receive my payments by the XX/XX/XXXX of those months, which is their cycle. I called them on XX/XX/2018 explaining this, but they did not seem to comprehend what I was saying. I again stated that I did not know how long they held my check once it was received by them, so the interest charges were incorrect. I had never had a late payment on this account. I sent a letter dated XX/XX/2018, with my payment explaining that they may have held my payment so they could charge me a late fee. When the supervisor called me she was responding to my letter and that my payment was entered into their system after the cycle. Their cycle was the XX/XX/XXXX of each month and that if my payment was received in a 3-day window between the XX/XX/XXXX and XX/XX/XXXX of the month, I would not be charged a late fee. I again stated that because they were out of state, I did not know long they held the payment prior to them inputting it into their system, but that I was not late and had never missed a payment. The US Postal Service can be a bit inconsistent on deliveries and mail could take between 5-7 days to an out of state address. On XX/XX/2018, I received a letter from " Office of the President '' dated XX/XX/2018, stating they were looking into my concerns of XX/XX/XXXX and XX/XX/2018 and would need to do additional research. On XX/XX/2018, I received a notice from XXXX XXXX that my account had been closed. When I went onto the site, it showed on XXXX my account from was closed on XX/XX/2018 and XXXX showed my account was closed on XX/XX/2018. Both inconsistent and after the date of their letter to me. I was never contacted by XXXX XXXX ( XXXX XXXX ) about this, nor was any further research results forwarded to me. Closing my ; account abruptly like this is unfair, unduly harsh, bad for my credit, and I believe it is in retaliation for my complaining about their faulty business practices.
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CO)

account was refunded all money to me. year later about XX/XX/2009 they sent a bill. I sent copy of paper work that showed account was paid in full and closed.years later they send more bills. i send copy of paid in full paper work. they said sorry and yes you are paid in full. we will fix this problem for you. thanks for your help.
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.
Consumer complaint received 2018-07-27
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. (DE)

On XX/XX/18 thru XX/XX/18 and many attempts prior to the dates I've given in this complaint. I received my chapter XXXX discharge on XX/XX/18 and nothing was removed nor altered pertaining to my agreement with the state of Delaware Bankruptcy Division. I reported of D.O.B changes that were made that consist of the month and day I was born, with the correct year of my birth. I reported inquiries that weren't made by myself. I reported that an address of XXXX XXXX XXXX XXXX, Nj that was once removed in the past belonging to my Ex -Husband XXXX XXXX XXXX XXXX was placed back on my credit card report. I reported employment that was placed on soon after me removing it. I reported possible identity theft, in which nothing was executed. I was asked to mail in Identification, S. S. C, Chapter XXXX Bankruptcy Discharge Information, and my new marriage last name ( XXXX ), and a letter explaining all of my concerns. All information was sent to All Credit Breaus Companies. I have reason to believe that my Ex- Husband and his Mother, in which goes by many names received my personal information from XXXX  XXXX XXXX concerning a Mortgage, that I am not liable for payments, but I'm presently on the deed to the home of XXXX XXXX XXXX XXXX XXXX De XXXX. I have unsuccessfully been assisted with any of my concerns.
Consumer complaint received 2018-02-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been disputing an inaccuracy for years. I attended arbitration court and the arbitration judge indicate on XX/XX/XXXX. That all credit beaures need to delete XXXX XXXX and XXXX XXXX. As of XX/XX/XXXX all credit bureaus honored the judges request except Experian. I spoke to Experian on XX/XX/XXXX to see if they received the letter from arbitration. They indicated yes but all they can do is dispute the claim. I again called on Wednesday XX/XX/XXXX and XX/XX/XXXX and the only thing they stated was. 1 ) Yes they received the letter from the judge. 2 ) The only thing they can do is disput it because their a third party entity and the individual thats doing the disputing has no rights. The agency is always right and if they indicated it's should remain than it will remain inspire of a judges demand. Experian indicated to me on that Friday XX/XX/XXXX. The judges request has no jurisdiction if the individuals I'm disputing states it's factual than I'm over rules. I asked the representative in the dispute department to please repeat it so that their company recording could hear what is being said. Yes, Experian has all if my certified letters requesting XXXX, and XXXX XXXX  be removed along with the judges ruling but they refused. They are aware in several certified letters as well as my request for assistance for the 3rd time from CFPB that they are tarnishing my credit, my name, and I am paying a high interest rate on my car and I'm unable to purchase a home in a decent area due to this information on my record. Experian has absolutely no empathy for their customers. Non what so ever.
Consumer complaint received 2018-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TN)

In XX/XX/XXXX2018 my closing co ask and received by fax a payoff on my loan at Specialized loan servicing co for closing as i sold my property, this amount was sent to them on XX/XX/XXXX18, and returned approximately to the closing co on XX/XX/XXXX18 saying it wasn't enough to payoff the loan, in the meantime they sent me a escrow /insurance refund, they called me approximately XX/XX/XXXX18 saying i needed to return this escrow amount, it was sent to me in error, i was instructed to send it by certified check back to them, i did this, My closing company re-sent the amount given to them back to my mortgage co, My mortgage company once again returned it to my closing co as they said it wasnt emough to pay off the loan, they didnt wait for my escrow check returned to get to them,. So finallly on XX/XX/XXXX18, my closing co sent the mortgage co ( SLS ) a new wire amount with the total payoff again including what they had refunded to me, Now the mortgage co has a new wire $ amount for the NEW total payoff amount and has my check where i returned the money to them, While checking my credit file they have turned in i didnt pay XXXX and XXXX payment showing me 60 days past due on my credit, dropping my credit score from near XXXX to XXXX, i have always had GREAT CREDIT, i need help and my credit restored, none of this was my fault, it was all started by SLS giving us the wrong payoff amount, and now they are hurting my credit because of the delay to payoff the loan I have called and was told theres nothing i can do, the payments were not paid on time and thats it. PLEASE HELP ME ALSO I NEED my ecsrow refund returned to me asap, thanks
Consumer complaint received 2018-04-05
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 — Problem with personal statement of dispute
Company: VW Credit, Inc (CA)

My name is XXXX XXXX. I have been a customer of XXXX XXXX from XXXX through XXXX. My account number is XXXX. 

During this time period, for the XX/XX/XXXX payment, i was going to be out of the country and therefore, a payment was mailed in instead of the normal online payment. 
However, upon my return in XX/XX/XXXX, I became aware that XXXX XXXX had in fact not received my mailed in payment for XX/XX/XXXX and therefore, they placed a negative reporting on my credit. 
A second payment was also made at the time of my return to ensure that we would not be late until they figured out what had happened to the first payment. 

At this point today, I am trying to buy a house and this incorrect negative reporting is affecting my approval for the loan to purchase the house. 

I have several times to take this matter up with XXXX XXXX and their supervisors that I have spoken to refuse take any initiative or responsibility in assisting me to fix this important matter. 

I would appreciate your help to resolve this issue as soon as possible. I can be reached on my mobile at XXXX if any additional information is required on your side.