davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mid-Atlantic Finance Co., Inc. (NV)

A ex girlfriend and I went into a dealership and put a down payment on a vehicle and both cosigned with the acknowledgement of there was no credit check nor inquiry. 4 months later the put a account on both of our credit reports without consent and state that's just how they operate now and there's nothing we can do about it. I never authorized a credit inquiry nor gave them permission to place and account on my credit report.
Consumer complaint received 2018-04-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GFS II, LLC (TX)

In XX/XX/XXXX I purchased a XXXX XXXX XXXX. I financed this vehicle with Gateway Financial services. In XX/XX/XXXX I begin to experience issues with the car. I immediately took it back to the dealership where I purchased it from for service. They fixed whatever the issue was with the car. I continued to make the payments on the car for several months. In XX/XX/XXXX the car began to overheat and leak oil from the engine. I took the car back to the dealership again. They temporarily fixed the problem. I then continued to drive the car and make payments. In XX/XX/XXXX the engine block began to knock which is a direct indication that the engine is about to go out. In XX/XX/XXXX the engine on this car went out. I took the car to the dealership to see what it would cost for a new engine and they told me {$3500.00}. At that the time the car wasn't even worth that amount so I knew I wasn't going to pay that for a new engine. However I continued to make payments on this car until XX/XX/XXXX. I then was able to purchase a new vehicle. It was at this point I stopped making payments on the account and informed gateway that I wanted to do a voluntary repossession because the cars engine went out. My reasoning for filing this complaint is simply because I believe that I was intentionally sold a lemon vehicle. Within a month of me having the car the engine started to fail. I explained the lemon laws to Gateway Financial and they basically told me that it didn't matter that I was sold a lemon. I still owed them XXXX XXXX They have went as far as calling my job and calling my family an friends to collect on a vehicle that was a piece of XXXX to begin with.
Consumer complaint received 2019-02-23
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. (NY)

XX/XX/2018 I am being hit with a Inquiry from XXXX XXXX. I never made said inquiry. This is fraud. I never authorized or signed anything with this company and have no idea what they are talking about. I called them and they said best thing to do was to report here. Just want this removed from my credit.
Consumer complaint received 2019-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jim Bottin Enterprises, Inc (OR)

My debit card was lost in XXXX of 2019. When the replacement card came in, the automatic payment od gym membership fees has not switched over. My dues have not been taken out since XXXX of 2019. Since XX/XX/XXXX2019 there were no communication to me from either XXXX XXXX ( XXXX ) or ABC Financial Services ( tel XXXX ) to notify me of the issue. I have regularly attended the gym and scanned my ID but no indication or notification was given and no letters or other communications were sent to me attempting to remedy the situation until I was notified on XX/XX/19 that I can not access the gym and that my account was referred to collections. XXXX XXXX club manager said that allegedly one email was set to the email on file on XX/XX/19. I do not have any emails from them regarding the status of my account. I disagree with the way XXXX XXXX managed this matter. They did not clearly disclosed how they manage late payments. They failed to notify me properly about my account status. They referred me to collections without giving me the opportunity to remedy the situation. Now I have a collection record on my credit history and I feel it should have been taken care of in a more transparent way.
Consumer complaint received 2019-08-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc. (CA)

On XX/XX/XXXX i purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX california for {$22000.00}. I put down {$2000.00} and financed the rest. I was financed by Consumer Portfolio Services Inc. in XXXX CA. The amount financed was {$22000.00} and the loan term was {$560.00} for 72 months. During the past 6 years I had the loan I deferred 4 payments due to financial issues. I haven't had any late or missed payment since XX/XX/XXXX. I have made a total of 72 payments, which were the loan terms, and yet when i go to my account it shows that my loan won't be paid off until XX/XX/XXXX and  I owe {$7200.00}! I have no idea why this loan isn't paid in full yet since my final payment stated in my original loan paperwork was to be XX/XX/XXXX. There's no way possible that I can still owe such a high amount after making all the payments on the loan. I have called several time to the lender to try and get an explanation and I never get a person, only voicemail. I leave a message and nobody ever calls back. I've also filed an online complaint through their website and have received nothing back from them. I don't feel that I owe anything more to them since i've made all the payments plus there's no way that the balance could still be so high. I also don't think it's legal for them to change the loan maturity date without my consent. To top it off, this car has been in the shop repeatedly since the first week I bought it to the tune of {$13000.00}! Currently it sits in my driveway and I can't even drive it. I need to get rid of this car but I can't because the loan amount never goes away! This company is a predatory lender and I want it to stop. I've fulfilled my end of the deal and then some, they need to deem this car paid in full and give me my title so I can finally get rid of this piece of XXXX.
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NY)

I attempted to make a rent payment to my landlord using zelle via XXXX XXXX. The transaction confirmation email showed my landlords name and they did not receive the money due to two digits in the phone number being reversed. I called the bank within the hour to report the issue. The bank investigated and refused to return the money that was given to an incorrect person despite the name on the confirmation being different from the name of the person receiving the money. The bank told me to contact zelle. Zelle proceeded to tell me to contact my bank and the person that received the money both accepted the money as well as refuses any attempts at contact. The amount in dispute is {$1800.00} usd of rent money.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

National Credit Systems sent me a letter that they intended to collect a debt for unpaid rent. I sent them a letter challenging the debt and they sent me back a copy of the lease and an invoice. 

My name was not on either the lease or the invoice provided as proof of the debt owed. They stated in their letter that they had validated the debt from the provided paperwork. 

They reported the collection to the big three credit reporting agencies. I was able to get XXXX to remove the collection, but the other two have not.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

currently I do not have a score on Experian credit bureau because XXXX XXXX XXXX reported to Experian that I was deceased I have called Experian to prove that I am alive they said to call XXXX XXXX  to let them know and they can not find me in there system. I have called many times with both sides not helping me this is causing problem for me to obtain any credit cards, or allowing me to purchase a home I need something to happen I need help to resolve this asap
Consumer complaint received 2023-04-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (CA)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. : XXXX XXXX Account XXXX and XXXX XXXX. XXXX Account XXXX To Whom It May Concern : I have learned that my business accounts mentioned above are frozen and to be closed within 60 days from XX/XX/XXXX due to YOU HAVE VIOLATED THE TERMS OF YOUR ACCOUNT PER CLIENT MANUAL Please explain what terms have I violated based on your CitiBusiness Client Manual US Markets Effective XX/XX/XXXX and various Amendments to the CitiBusiness Client Manual, US Markets? I just viewed my accounts and I did not make any transactions at all while I was in XXXX, that I violated the terms? I was out of the country vacation in XXXX from XX/XX/XXXX thru XX/XX/XXXX and periodically viewing my account via online application on my iPhone. 

I would like to request to unfrozen OR close my accounts immediately so that I can purchase my investment property by XX/XX/XXXX. 

I can be reached at my cell XXXX or via email XXXX if you have any questions,
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The company XXXX XXXX  XXXX also operating under the name XXXX has improperly used my information and reported inaccurate information to my credit profile. I have disputed this information with all three major credit bureaus and only received resolve with XXXX. This account being reported was being reported as two accounts with the same account number and different historical payment information and dates. This account has been deleted and needs to be updated with the other credit bureaus.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

I made an initial mistake and the next day tried to rectify it. The collection agency for RP Funding doesn't accept electronic payment and the check had not been received 12 days later. After several phone calls, I agreed to go to their website and pay ELECTRONICALLY. This was not accepted because " they were unable to locate my loan. '' I have since paid all bills electronically including XXXX. Letters have been sent to RP Funding ( certified, return receipt ), XXXX, XXXX and XXXX disputing this. I want my excellent rating returned. 

Thank you.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northeastern Credit Services, Inc. (CT)

Received a letter of alleged debt from Northeastern Credit Company, which stated to dispute debt in question by XX/XX/2022. I sent a letter of verification on XX/XX/2022. I have yet to receive verification for said debt but continue to receive calls, voicemails and letters attempting to collect the debt. They have violated code and I want the debt to be dismissed. Thank you
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

At this time Equifax has remove " XXXX XXXX XXXX XXXX from my report. This confirms all consumer violations at hand and has incurred actual damages and injury from violations.
Consumer complaint received 2021-12-06
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)

On XX/XX/2021 and XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-02-06
Product: Credit reporting 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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2020-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED XXXX Company Inquiries : 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 US SM BUS ADMIN ODA XXXX/XXXX
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The Credit Agencies is inaccurately reporting that the Dept of Education/XXXX account was late. I have been in XXXX payment status for several years on my IDRP with the Dept of Education. Please assist me in removing the late payments in from my credit file. There are 7 Department of Education/XXXX accounts inaccurately reporting that I was 90 days late in XXXX and in XXXX.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 and XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

I took out a loan to help buy XXXX for my children from Tower Loan in XX/XX/XXXX. I made a few payments then fell behind due to loss of income and being on XXXX. Being embarrassed I avoided them for a couple of months until my brother in law was getting nearly daily calls and a Tower Loan employee named XXXX XXXX began showing up at my mother in law 's home demanding payment. XXXX told my mother in law that if they did not receive a payment for {$260.00} that day that I would be sued and left an opened envelope with detailed personal and finance information inside with her. Afraid of being sued I went online and set up a payment for the following payday. I made a {$200.00} payment on XX/XX/XXXX. And today XX/XX/XXXX XXXX from Tower Loan again shows up at my mother in law 's home leaving another opened envelope with personal and financial information with a note written on the outside stating " Urgent!! Last visit!! Going up for suit. '' on someone else 's vehicle in her yard. My wife called Tower Loan and spoke to XXXX asking for them to no longer go to her mother 's home and was told that they would continue to go per a disclosure I signed. My wife explained the XXXX and loss of income and told them we made a payment less than 2 weeks ago and as soon as we can make another payment we would to please no longer go to the home and XXXX hung up on her. They are rude, harassing, and violating me by giving my private information to other people without my permission.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OR)

In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. AES, XXXX, XXXX XXXX, ie, XXXX, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with XXXX lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and XXXX needs to stop reaffirming a debt they agreed to discharge.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

Submitted dispute claims that XXXX banks that are being reported with information that is incorrect, not mine & /or accounts opened fraudulently. I have proof of the most recently submitted disputes where received verified by usps certified mail. The 1st time i submitted my disputes for these XXXX banks, I submitted through online submission with confirmation via email. In my disputes, I requested investigation into the XXXX banks being reported with reported negative information. I also requested the validation of this information bearing my signature. I did receive response for the 1st dispute submission but only stated that accounts where verified as accurate. But Chexsystem failed to give me my request for validation of this bearing my signature which is in violation of the fair credit reporting act. I've attached my most recent letters sent for my XXXX attempt to rectify.
Consumer complaint received 2019-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

Disputed this company twice ( XX/XX/XXXX and XX/XX/XXXX ) online. Failed to receive validation of debt only received collection bills all for {$200.00} ( starting after 1st dispute ). 3rd dispute was a Debt Validation letter dated XX/XX/XXXX, mailed out late XX/XX/XXXX. The letter includes my needs and the federal law in tact on debt validation before reporting an account to the credit bureau. This account has been reported to my name since XXXX. All disputes went through credit bureaus and as I dispute accounts, collection agencies would send just bills. I received a bill in the mail on XX/XX/XXXX from this specific agency and I called them and on a recorded line as they told me it was, I asked to speak with manager or debt collection dept to see if my letter was received. The agent tried to verify my identity and I stated to him I didnt feel comfortable because of previous attempts of calling in to handle this matter, I felt nothing was resolved and my information was just being taken to continuous attach this debt to me. He claimed he got the manager and when I asked about the letter I was told we dont have that ... I cant access that information ... .now I see there was a letter received but I cant access the letter. I continuously read off my letter I mailed in, continuously asked to speak to the dispute department, which at one point he told me they did not have that dept. I continued to asked for a manager and then I was told they were not available and in the beginning a manager did come on the phone and I had a conversation with two people. I ask to speak with the division  manager, as his name is on the bottom of the letter with an attached bill, the agent said the division manager will not talk to me. It got out of hand for me because I felt like I was being lied to with incorrect dates, I was told my letter was received and then it wasnt received. I was told there was no dispute dept and then if I wanted them to review my letter I needed to mail it in to them and someone who does disputes will review it. They have no connection with the bureaus but Ive received a bill everytime I dispute with the bureau. This is effecting my credit horribly and no one seems to want to provide me with the necessary information of the original signed contract from this consumer. As I have told them it is not my account and I have never had an account with that company and if there is fraud taking place, I need to be provided with something besides a bill to take to my local police dept for a fraud report if there is someone using my name. This has greatly affected me as Im a single mom trying to buy a house and start a business and I cant receive a line of credit.