davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (VA)

I am receiving emails form a company called Radius Global Solutions LLC ( email address is XXXX. They have not written me any letters or called me. The email claims I have an outstanding debt with Creditor : XXXX XXXX. I have no idea what this company is, I have never purchased anything from them. The email gives no information except that name and a total debt of {$110.00}. 

I have no debt. I don't own a home, my car is paid off, I have no outstanding medical bills, etc. I pay off all of my credit cards in full before the payment due date. 

The emails from Radius Global Solutions LLC have never included my mailing address in them, so if they have mailed a letter to an old address, I have no way of knowing. Their emails have not given me a date when the debt is due, or a 30 day notice date of when to submit a debt dispute to them. I am hesitant to mail them a dispute letter, because I do not want them to have my address. It seems like this is a scam, but it is possible that my identity was stolen. I've also read reviews of this company that say the debt showed up on their credit reports, and I do not want that to happen. Thank you! 

Note : Their email is address to XXXX XXXX ( that is my maiden name ). They sent it to another of my email addresses, XXXX. Not an official email that I would use with any medical, car, home, credit card companies, etc.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

I was attemptiing to change phone services from XXXX to XXXX. I went to a family friends daughter, a college student working for XXXX. When we were in the process of converting services thare was a credit block from equifax. I attempted to get it resolved on line and on phone with someone that was difficult to understand based on her language barrier that worked for equifax. I can not access my account or anyone at equifax that appears to know what they are doing. 
please direct me to someone that can get equifax out of my life and stop wasting my time. 
Thank you for your assistance in this matter. 
Sincerely yours XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

My second mortgage was purchased by Lakeview Loan Servicing in XX/XX/2019. This is a down payment assistance loan that initially started out at XXXX. When the loan transferred to Lakeview Loan Servicing the balance on my loan reset to XXXX and my additional principal payments were applied to interested. The servicing company also attached an escrow and charged me $ 1300+ for 1 month. This issue was rectified due to a complaint that I filed. I've called multiple times with no resolution and receive a different answer each time. XXXX XXXX is servicing the loan and will not assist with correcting the issue. They keep telling me that this is an interest only loan and any additional payment made will go towards interest. This company is stealing my money and misleading how they apply payments. My closing attorney and bank stated that I can make payments to this loan. They also reviewed the note. 

Old Account ( before transfer ) - XXXX New Account ( after transfer ) - XXXX Both accounts were serviced by XXXX XXXX
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (NJ)

Around XXXX of XXXX I called Experian and spoke with the Fraud Dept. regarding some inquiries that popped up that did not belong to me. The young lady reviewed everything on my credit report and there were also some addresses that I never lived at on there also. She said she would remove them as well. Now, I have no address reporting, not even my current address. Since XXXX, creditors have been unable to obtain my credit profile from Experian. This has impacted me both in my personal credit and business credit. I have been denied credit because the creditor can not obtain the information needed. I am currently in the homebuying process, and this will hinder my ability to purchase a home. 

I have called Experian several times since XXXX and was told they needed to verify my address with identification which they had on file from a previous dispute. They informed me it would be taken care of. These calls were around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I called again XX/XX/XXXX 2 times in XXXX day because the first person told me there was nothing wrong with my profile and for me to just give the creditor a copy of my credit report. I explained to her that they will not accept a copy from me. It does not work that way. My mortgage company tried to run my credit on XX/XX/XXXX and was not able to obtain my Experian profile.. I need help.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Citibank automation called me and it was difficult to get to a person. The recording said that I owed money and this was an attempt to collect a debt. I pressed 0 repeatedly and finally got to a person, XXXX ( agent ID # XXXX call back # XXXX ) from Citibank collections. She didnt know anything about the debt and could not locate any information. She said no manager was available. I asked her to document that I wanted no more phone calls from Citibank. After 30 minutes of my time waiting she told me I owed {$38.00} and she finally notated my account so that I would not receive further calls, she said. XXXX then told me that she would transfer me to customer service to resolve the debt claim and I waited on hold another 11 minutes and then was disconnected with no resolution. 

In XXXX I was visiting XXXX XXXX where there was a Citi branch and I went in to pay the existing Citibank credit card. I was told that I could not pay for the credit card in cash unless I had a bank account with Citi. I asked if I would be able to deposit money in the ATM to the account as I did not have Citi branches near me at my address that Citi already had for me on my credit card. I was told that I could. So I opened a savings account to be able to pay the credit card. Then Citi changed my address on file. I did not get the ATM card for a month because they changed my address on file. When calling I told them I needed a card to make a cash deposit and verified again that I could do that. I was told that as soon as I had the ATM card that I could make a deposit. I could not. I called them when I got the card and it didnt work. They spent time trying to find a branch near me. I said that I just needed an ATM that would take deposits and they said that they did not have that anywhere near me. So I said I didnt need the account as I couldnt use it. Citi did not close the account. They charged me monthly service fee of {$38.00} ( According to XXXX as I can not see it in writing ) for a savings account an did not send me notice of this. 

Citi compounds their customer service problems by having a website that it is perennially showing this notice when I sign in : 'Were experiencing a temporary technical issue. Please try again later. ' Further, when I can log in I can only see my credit card and never was able to view the savings account under my Citi accounts. 

Citibank is extorting slave labor from its customers : forcing us to use our time, phone, computer, other equipment, education, and skills to defend ourselves from attacks on our reputation and credit to escape Citibank 's unscrupulous business model dependent on fees for illegitimate bank accounts that don't work. 

So how do I resolve this attack from Citibank? keep calling them in the hopes that they will stop trying to extort my time and money? There is no accountability for these harassing tactics of Citibank that extort my time, talent, labor, and resources.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

Hello- Last year I was struggling financially. In XX/XX/2018 I applied for a mortgage modification. In XX/XX/2018 I received a letter from an attorney stating that my home was in foreclosure process. NOT THAT IT WAS IN FORECLOSURE but that the process had started and that was my notification of what was happening. I was very confused because the mortgage modification was supposed to help me. 

I wrote the attorney and asked for an explanation and disputed the debt because of the modification. They responded and said that the file was " on hold '' due to the modification process. 

Fast forward a few months and I made my trial payments on time. I get approved for the final modification but the attorney is saying the Mortgage company told them to keep the file open. The file is not closed but rather open and I am being reported as foreclosure to the credit bureaus. ( See Attachment from XXXX ) XXXX is reporting me as having a foreclosure. 

The FACT is that I NEVER went to the FORECLOSURE process. I tried to fix my situation before it got to that point. I am not disputing I had trouble paying my mortagage but I tried to remedy the situation and I am being penalized. 

I was told by a XXXX representative XXXX XXXX that once the modification went through the loan would be reporting as current and that it would never say foreclosure. I was also told that it might even erase some of the late payments dating back to when I started making the trial payments. I never was scheduled for a sheriff 's sale or even given a date. 

Attachements are letter from attorney and chase letter declining me from a business credit card. 

As an XXXX who is a XXXX I want to be given a fair shot and I think that this is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Avant Holding Company, Inc. (NJ)

Avant opened a credit card account that was never applied for. This fraudulent account also has the annual fee immediately charged to the account. Multiple phone calls made to the company, they do not close the account, refuse to provide any information of the source of the fraudulent " application '' to open the card in the first place and instead continue to request more sensitive information related to my identity.
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I Recently had all of My american Express cards put under review and subsequently shut down. I have been using American Express for almost 10 years and was never once late on payment and had an impeccable track record. They closed me down because my income did not justify my spending. Although I do not agree, it is their right to do as they wish. They had issued all of the points in my accounts from statements that have closed, however there were XXXX points that were from the most recent statement that has not yet closed that they confiscated. Attached is a picture of my American Express points account from XX/XX/19 at XXXX XXXX XXXX. I called them to try to have them redeemed and they said they can not redeem them being that the account is closed. In addition I have 2 XXXX XXXX cards that also had open statements and the points were discarded. The last time I received XXXX XXXX was XX/XX/19. The spend since then was {$25000.00} which would be XXXX points that should of been rewarded to me. This is justified spending that i did and these points belong to me. Each amex point is worth XXXX cents and each marriot point is worth XXXX cents which is a total value of {$5800.00}. It is unfair how how large company like American Express could take advantage of a young hard working man trying to feed a family and confiscate such a large value unjustly.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. | have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/23 ]. 
Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX : reporting my name, employer and several phone numbers incorrectly. My name shows as XXXX XXXX XXXX and it should only report as XXXX XXXX. Also, you are reporting several phone numbers that I have never owned and they do not belong to me. Please remove the following phone numbers from your report. Also, please remove the employer XXXX XXXXXXXX XXXX XXXX my employer is XXXX 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my report. XXXX is reporting Employer as XXXX XXXX They are not my employer XXXX is my employer. Please update my employer to say XXXX. 

EXPERIAN : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my credit report.
Consumer complaint received 2022-03-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

After filling out an online application with rocket mortgage I was contacted by XXXX XXXX. I told him in the course of that conversation that my house was manufactured home. They accepted my loan I submitted all my required documents and forwent the other companies I had contacted. 10 days later, after locking in my rate, I was told that they couldn't complete the loan because it was manufactured home. Because of rapidly changing mortgage rates I will ultimately pay {$72000.00} more over the course of the new loan. I believe rocket mortgage knew from the beginning they couldn't service my loan and forced me to submit documents to my detriment. They refuse to allow me to listen to the recording of our conversation where I disclosed on day one it was manufactured home.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC (CA)

There was a contract put in place with a solar company under my name. I never met with this company nor did I sign a contract with them. I do not reside on this address. I am not a home owner to this property. I tried contacting the solar company to find out that they went out of Bussiness in 2023. This solar company was " XXXX XXXX XXXX '' I have emails to them explaining that there was fraud in my name before they went out of business. I also tried to contact the finance company associated with this loan, they are " GOODLEAP '' This company presented to want to help me investigate this problem. The home owner contacted the manager there so we try to resolve this misunderstanding. We sent several emails trying to resolve this situation, the finance company said they OPENED A CLAIM TO INVESTIGATE. Once the solar company went out of Business they completely changed their tactic and they have no intention in resolving this issue. They completely ignore me and have harassed me demanding payment on a fraud account that does not pertain to me. They also continue to send me past due bills. There is a substantial amount linked to my credit report from this finance company that need to be addressed right away. Please help me expedite this fraud so that we can finally resolve this. I can provide emails to help explain more in detail this situation.
Consumer complaint received 2023-03-29
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-09-13
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. (DE)

In XXXX, unfortunately I had no choice but to file for bankruptcy. All of my creditors were included in the filing including XXXX   XXXX XXXX XXXX. At the time I filed, I owed a principal balance and years of interest charges and late fees. Since the filing and discharge in XXXX, XXXX has continued to report the account negatively on the credit report and refuses to remove the debt from my Experian credit report. I have filed disputes through Experian that no one researches. The dispute is resolved each time by robotics within seconds of me hitting submit on the dispute. I really dont know what to do at this point. Please help. I filed chapter XXXX bankruptcy and was punished for my past credit mistakes but this account continues to unfairly be reported.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 items 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/block any items 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. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (FL)

I received an automated text ( no call ) about medical debt requesting me to give them information about my debt. The debt amount was NOT listed nor did they tell me I could dispute this. I also sent formal letters to multiple debt collectors beforehand informing them about being on the FTC do not call list and asking them to cease all contact with me and this MIGHT be one of them, but they still contacted me anyways despite my formal do not contact request. 

They contacted me from : XXXX They gave me a reference number : XXXX
Consumer complaint received 2023-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

I keep getting billed while I was in attendance and before my 6 months grace period of repayment. I also graduated and I have a 6 months grace period before paying off any student loans and I am getting billed. I got billed before I even walked at graduation. I am now getting a bill that I am 60 days delinquent. My school XXXX XXXX contacted Navient during the semester and after graduation, they send a letter and updates the clearing house information to reflect my graduation date. They also offered me a deferment which will add as interest is applied instead of honoring my 6 months grace period. The companies are Navient and their guarantors XXXX. I am on a 6 months grace period, repayment begins in XX/XX/2023. I am getting harassed by their guarantor credit debt collector agency XXXX and Navient. There was a news briefing about Navient in a lawsuit settlement for using sneaking tactics like offering deferments instead of reasonable and legal options for students. Please resolve this issue as I didnt even walk to graduation and receive a diploma yet and they started billing me. I called the guarantor and they stated they are not responsible for input of status that Navient is responsible to apply the status to the account. I called Navient and they did not apply my current status to the account however on the phone which is quality control and recorded the representative did say she sees my information updated by XXXX XXXX  on the clearing house database. Phone calls were made to Navient in XXXX and XXXX and phone calls to the guarantor was made in XX/XX/2023.
Consumer complaint received 2021-07-18
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. (CA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.