davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TN)

I signed as a guarantor on a lease for my son XXXX XXXX on XXXX XXXX XXXX on a 1 year lease. On XXXX XXXX, XXXX my son signed a new lease on his own, which is the last lease. He signed XXXX prior to that. Once he signed a new lease on his own, I was no longer responsible. This was sent to collection, National Credit systems and they are now saying I owe them. In XXXX XXXX, I commenced to dispute this account and the dispute ended on XXXX XXXX, XXXX, they are still reporting this account as being in dispute and XXXX XXXX XXXX XXXX XXXX is verifying falsely that this account is still in dispute to prolong and stop me from moving forward in closing a loan.
Consumer complaint received 2016-10-17
Product: Consumer Loan — Personal line of credit
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

One Main have sold this account to XXXX XXXX were my husband is making {$50.00} payments every week. I need to get One Main off our report report as a charge off. Now that the other creditor have the account and receiving payments.
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (AZ)

I started receiving collection notices from a collection agency that were connected to an apartment building that I had never heard of prior. I contacted them and they asked about my relationship to some person I had never heard of. They asked for the last XXXX digits of my social security number and then told me that the numbers did not match what they had on file. I explained that we owned our home and that we had never rented from this agency and I asked them to stop contacting me. I checked my credit report and found that they had reported the bad debt to the credit bureau so I then filed a report with the credit bureau stating that I was being targeted for a debt that was not mine. The credit bureau investigated the claim and reported back to me that they found my complaint to be valid and they removed the debt from my credit report. When my husband and I started the process of obtaining a mortgage loan to purchase another property, I found out that the collection agency was still reporting the debt to XXXX other credit bureaus. I then contacted them again, stating that we had already cleared this up once but they refused to remove it without " the proper paperwork '' which they promised to mail to me, again, stating that the information they had on file did not match my information. The paperwork they mailed to me was a form to report identity theft, which had not occurred. Nothing on the form was relevant and the only people identifying me as the debtor was this agency. I then contacted the XXXX additional credit reporting agencies and had them investigate the report. Both of them responded the same as the first. They told me that it would be removed from my credit report. 
That was 6 months ago. I thought that the problem was resolved but today I received another letter stating they are still attempting to collect this debt. I have checked my credit report and find no reports of collections from this company but I feel it is only a matter of time before they report it again.
Consumer complaint received 2021-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-10-30
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BC SERVICES, INC. (CO)

BC Services sent collection letters addressed to my wife, XXXX XXXX. This is improper because XXXX is not listed on the debts in any way. BC Services was not attempting to obtain contact information for me, as they already have it. BC Services was providing information to her about these debts. She and I were married after the debts were incurred. Colorado is not a marital property state, which BC Services should be well aware since they are headquartered there. 

BC Services has shown a disregard for the laws and procedures in place to protect consumers. This is the second instance of blatant disregard for the law. The first instance may be identified by Case number : XXXX. After this complaint was filed, BC Services did seek to correct that failure. 

Please note violation of multiple account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2017-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

With regard to complaint  XXXX , Transunion reported that they have taken the accounts in question off my credit report. However, I just got a monitoring alert from  XXXX   XXXX , and not only is at least  one  of the accounts in question still showing up, but it has possibly caused my FICO score to drop significantly.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The  XXXX  credit companies that are  XXXX ,  XXXX  and  Trans Union are sh owing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents XXXX, My credit report shows 13 months Mortgage payments late beginning XX/XX/2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.
Consumer complaint received 2017-05-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services (CA)

In  XXXX   XXXX  I traded in my  XXXX   XXXX   XXXX   XXXX  for a New  XXXX   XXXX  lease. I was called by the dealership and they told me there was a loyalty program and I can trade 5 months early for a new lease. I told them there were  6 p ayments and I had excessive miles. I was told that here will be no money down and they will take care of all payments and miles. This is th e 4th tim e I have done this in the last 9 years. I signed the new contract at my home and they delivered the new car. 3 Months later I ran my credit and they are saying I owe them {$2000.00}. They first sent a letter in  XXXX  saying I own them {$17000.00} and I told them this was all part of the new lease. I have sen t 2 letter ( attache d ) and I have spoken to  MBZ Fin, they told me the will call me back and I have never heard from them. I have left 3 messages and sent 2 letter. They are currently   showing the payment 2 months late.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

I am filing this complaint because I feel li ke wells Fargo has cost me lots of money with my overdraft fees telling me I needed multiple accounts to manage my banking and now I am broke and owe credit card money visa I want help and an Audit on all the accounts that wells Fargo opened up under my  name I can give you all accounts that I have known about about that they opened up their might be more I really do n't know but my credit is  XXXX .
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

At the beginning of this year, I saw a promotion offered by  Wells Fargo . They suggested if I go bank with them, namely by opening a checking account and complete some requirements, I would get a bonus of {$250.00}. Please see attached "   XXXX   XXXX   ''. I thought it was good deal and applied for it right away.   Then I got an email fro m Wells Fargo  on  XXXX   XXXX , saying my app was received. This email, did contain a phrase saying the bonus was attached. Please see attached " app received.jpg ''.  One d ay later, I got an another email that required me to go t o one of  their branch to provide more information. On  XXXX   XXXX , I went t o one of the ir branch to complete the application process and the account was opened successfully.   According to the offer term, I had to complete either  one qualified direct deposit or 10  debit card transactions within 60 days of account open date. The bonus would be paid within 45 days after that. I have completed thei r 10 d ebit card transactions requirement by  XXXX   XXXX .  Wells Fargo  did n't honor this bonus after 45 days. I tried to contact their customer service and go to branch. Customer service rep suggested I should go to branch for further assistance. But the banker in branch told me I should call for customer service instead. Basically it is a dead end if I want to get help from  Wells Fargo.
Consumer complaint received 2017-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AL)

XXXX   XXXX  has gotten  XXXX   XXXX   XXXX  for {$930.00}. I spoke to  XXXX   XXXX  where it was not correct due to the fact I did n't not have  XXXX   XXXX   XXXX   back in  XXXX . I ha d 4 different dentists who made up 4 different things they were gon na perform. I was talked to by all 4. I meet a surgeon also. She wanted to include implants. I meet 3 others dentist. I could not afford implants so I wanted something different I could afford. I spoke to the office manager who was at the off ice in  XXXX , Al at the time. She said it would be handled. I then went back the first  of the year  XXXX , the new office  manager  told me she was sorry she would take care of this because it is incorrect.   I have gotten a new letter in  XXXX    XXXX   saying I owe this amount. Why have I gotten a letter in the mail again about this?
Consumer complaint received 2015-09-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: National Budget Planners of South Florida, Inc (TX)

I signed a contract with XXXX XXXX XXXX XXXX ( " XXXX '' ), and they were supposed to pay off my Sub and Unsub loans. I have been paying XXXX $ 39 monthly, and they were automatically debiting the money from my bank account. Then XXXX contacted me to renew my request for a deferment, and XXXX informed me that XXXX had not paid my loan as per the contract. Now I have sent XXXX a letter stating that I would no longer pay them the {$39.00}, and I put a stop payment on the ACH with my bank. I would like my money back and, more importantly, I want XXXX exposed as a fraud so other students wo n't go through this ordeal.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WI)

The closing has been pushed back 3 times. I have had to change my moving date, incur extra costs at my present home, change my movers 3 times, change my painters 3 times, change my carpet cleaners 3 times. Today at  XXXX  was supposed to close. There was structural work at the home I 'm purchasing that the appraiser had to see and verify with the lender that the work was completed. This was done. Now the bank tells me that they can not close until the  appraiser  goes back out and verifies that the wall paper and the chair rail were put back up in the basement rec room. It is up, I saw it when I did my final walk thru Wed  XXXX / XXXX /  XXXX  . What does wall paper have to do with getting the mortgage approved? That is not a structural repair, it is decorating. I feel that this is bad faith. I had to wire my down payment and closing fees from my bank account yesterday to the title company. Again, that does seem right to me. I started this loan process on  XXXX / XXXX /  XXXX  .
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

There are multiple duplicate student loan accounts on my credit report and they ca n't determine which ones are duplicate and original. If they determine the difference between the original ones and duplicate ones they should delete them. It is adversely affecting my credit, making my income to debt ratio much higher than it is. I have been refused for a mortgage because of this problem
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-04-28
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. (FL)

On or around  XXXX   XXXX , I requested a dispute of an account (   XXXX   XXXX   XXXX  ) with Experia n Reporting Services ( Dispute  #  XXXX  ) this account was not obtained, authorized and I did n't benefit from its opening. These facts were expressed to the live operator spoken with about my disposition and there was also a notarized Identity Theft report (  XXXX  ), which specified the aforementioned. This was done according to the FC RA sec605.b. This congressonal act gives specific direction to the block accounts specified by a victim of I dentity theft. Instead of blocking the account the service agency, took a " Paid '' account and reported it as a late or Potentially Negative Account, in addition they requested that I contact the creditor as they had no direct contact information on my reporting profile.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To wh om it may  concerns, I am writing regarding a few accounts that have been on my credit report with Transunion for more than 7 years. I have contacted Transunion many times and they have refused to assist me. These accounts have been satisfied and closed with a   XXXX   balance but Transunion has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Transunion and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court paper against Transunion because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance should be remove/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts   XXXX   XXXX   XXXX   :  Account #  XXXX   XXXX   XXXX   XXXX   Account  #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   SD   XXXX   Thank you
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (AZ)

Due to the XXXX of my husband and his inability to work I requested to be placed in the hardship program. It was agreed that we would pay {$160.00} per month for four years at XXXX interest. Our statements continue to reveal 40 % interest being charged. After multiple phone calls to multiple departments and people it seems the system is stacked against the customer resolving the situation. Whoever takes the calls are never people authorized to make a decision. The hardship agreement was made in XX/XX/XXXX and to date we have received no phone calls, emails or written correspondence. We sent a certified letter to their XXXX office on XXXX XXXX. We checked the tracking on the letter and it revealed it was delivered on XXXX XXXX. So far no response. I called once again to their customer service department and they knew nothing. They were located outside of the US. The crux of the letter we sent informed them that we will no longer be making payments until this is resolved.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

My wife is a surviving of a   XXXX   XXXX   XXXX   and she has no ability to make decisions on credit, nor does she have an income. I recently discovered that she had a balance of $  XXXX  with Citi and I wrote them the following letter. I think they are a predatory lender, preying on the mentally  XXXX  by offering them credit cards that have no hope of being repaid.     The following letter explains the whole situation.     **********************   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  Dear Citibank, It has come to my attention that your company issued a credit card and extended credit to my wife,  XXXX   XXXX . Her card number ending in  XXXX .     Her contact details are ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX  This is an unfortunate situation as my wife has no mental capacity to contract with you for a lending product, especially a credit card.     In  XXXX , my wife  XXXX  fell out of a third story window in  XXXX   XXXX , and suffered life threatening injuries, including a  XXXX  (  XXXX   XXXX   XXXX  ), and mentally she has no capacity to enter into legal contracts.      One matter that concerns is that she has no material income, s o I am curious how you could have possibly underwritten her for a card. There are many technologies for verifying income, such as  XXXX   XXXX   XXXX  offered by  XXXX , the ability to review bank account details for obvious paycheck deposits, or as a last resort manually verifying paystubs. You not only contracted with someone without the required mental capacity, but you contracted with someone with no income. This does not meet the definition of responsible lending practices, and regulators will view this as the practice of a predatory lender, preying on the mentally  XXXX .     I feel very strongly that you have taken unreasonable advantage of a mentally  XXXX  person, while earning a great deal of interest, and I will be reporting this to both the CFPB and the California Department  of Financial Institutions as this is frankly unsettling and outsid e reasonable lending practices.     I will give you the benefit of the doubt that this is a clerical oversight, and if you provide documentation releasing her from these obligations, I will not report your organization to the CFPB and   XXXX   XXXX  . If this matter proceeds in a negative manner, I will be hiring legal representation for my wife and reporting your bank to the regulators mentioned.        XXXX ,  XXXX   XXXX , husband of  XXXX   XXXX
Consumer complaint received 2017-04-28
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. (SC)

contacted Experian,  XXXX  and   XXXX   from  XXXX  concerning inquires that were removed from credit report that still appears on there. they advised that they were removed. keep calling back now they tell me that I need to contact the companies that requested my report. I contact those companies and they refer me back to the Agencies. this is an on going issue that I want to have removed. I have also had addresses on the account that did not belong to me. My father was put as my husband.  XXXX  list other people names and ssn on my credit report. The last updated report received from  XXXX  had full ssn of other people that is a violation. They mixed up files. only  XXXX  address and employer should be listed on my file. Every time you call now everyone is a supervisor at Experian and  XXXX  and cant help you. The purpose of putting a fraud alert and security freeze is to be protected from theft. These companies are allowing others records to be mixed with different people and if you call to validate and have the information removed its always an excuse. When I call to check on status of disputes I will get a letter in the mail stating that it has been extended due to recent inquires. This is not acceptable.