davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Radius Global Solutions LLC (IL)

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discuss a 1099-C ( discharge of debt ) form that was accepted by the IRS. XXXX informed me that they have no knowledge of the 1099-C form and also that they are no longer responsible for the debt. 
I asked them to confirm that if i wanted to settle the debt with them, would they be able to accept payment and close out the debt, they said NO, I would no longer be able to settle debt with them because this debt has been transferred to another debt collection agency. 
I asked them why are they still reporting against my credit if they are no longer responsible for my account and they said they couldn't discuss the debt on my account because they no longer handle the account. 

I've never received a letter, email or phone call from the new creditor Radius Global Solutions to this day and recently I recognized a credit inquiry from Radius Global Solutions that I did not authorize. This violates 15 USC Code 6802 Obligations with respect to disclosure of personal information states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. 

I emailed Radius Global Solutions on XX/XX/XXXX and still have received no form of communication from them. Per FCRA 611 ( a ) ( 2 ) ( b ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer. 

I disputed the debt reported by XXXX XXXX XXXX to all 3 credit bureaus ( XXXX, XXXX, XXXX ) and XXXX responded to all 3 bureaus validating the debt as valid and correct. The same debt that they will talk to me about over the phone or accept payment because they no longer " handle the account ''. 

XXXX XXXX XXXX XXXX Radius Global Solutions are not only deceiving me but also the credit bureaus and directly destroying my credit score by reporting false negative debt. The negative information associated with this invalid debt is damaging my credit score and ability to obtain financing. 

XXXX XXXX XXXX is actively reporting negative debt that they are no longer the collectors of. Radius Global Solutions has not responded to my validation letter and is not the collection agency reporting the debt. I have 1 debt and am being tossed back and forth between 2 collectors. 

I never signed any agreement or promise to pay XXXX XXXX XXXX or Radius Global Solutions.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

My mortgage lender, Nationstar Mortgage seems to be having technical problems in accurately reporting my escrow as well ensuring that when I make a payment, whether it is collected from their website ( XXXX ) or just me sending in a electronic payment, whether it be additional principal payments or monthly mortgage payments. It takes quite a number of phone calls, emails and letters to try and clear this up. Recently, I was curious why I receive an escrow refund check and the same week a rise in escrow. When I phone Nationstar and spoke to someone they were rude and obnoxious and would not let me speak to higher level of management. I also applied for a refinance and no one has contacted me. I have sent inquiries about their privacy and authentication policies, because I believe my information is at risk.
Consumer complaint received 2021-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

I AM REQUESTING ALL DOCUMENTATION FROM AMERICAN HOME MORTGAGE SERVICING FROM XXXXTHERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX XXXX, XXXX GA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THECURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WEREOBTAININGFRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION.. MY SPOUSE FILED ALLFRADULUENT ACTIVITY IN THE US BRC OF NORTHERN GEORGIA IN ORDER TO OBTAIN AN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT 18-55697LRC.THE ATTORNEY IS ALLEGELY SERVING 15 YEARS, XXXX XXXX. MY SPOUSE FILED A LAWSUIT IN THE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WEWERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANT AMOUNT OF MONEY HOWEVER, IT APPEARS HE IS STALLING AND WILL NOT RESPONDTO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE. WE HAVE NO CHOOSE BUT, TO EXPOSE EVERYONE AND ALL DOCUMENTATION WILL BE SENT.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (ME)

On XX/XX/2022, we opened an LL Bean credit card at their XXXX Maine location ( world headquarters ) We were told we could get a large discount if we opened a store card. 
Unbeknownst to us, it was never mentioned that they would be doing a " hard '' pull on our credit. This has detrimentally affected our ability to qualify for the best rate on a mortgage. A simple inquiry on our credit would have been a lesser insult. We called Citibank on XX/XX/XXXX and had a very lengthy call with XXXX the self described " phone manager '' who told us there was nobody above him I could speak with. He incorrectly stated that there was no way he could switch from a hard " deep dive '' to a " soft '' inquiry. I was told by our state banking commission that a bank has 30 days to correct this. I am unequivocally stating that this was an unfair and improper use of our credit. We have the exact same problem with XXXX 's credit card. Ironically, Home Depot immediately fixed the same situation for us. We were willing to allow a harmless inquiry but we were not informed of the consequences of them making a deep dive into our credit history to the extent that it ruined our ability to get a mortgage rate we could afford.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request an update to my address in your records. I need my address to be updated to : XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX I kindly ask that you remove all other addresses associated with my account, as they do not belong to me. 
Furthermore, I am filing a complaint regarding the failure of credit bureaus to update my address despite repeated requests. This recurring issue has caused inconvenience and potential risks to my credit profile.
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

I applied for a new car auto loan at Penfed Credit Union and was pre-approved for the loan. Following the pre-approval, I made down payment for the car and tried completing the loan process. However, I was unable to complete the loan process as I was getting error messages. I reached out Penfed Credit Union customer service and I was informed that they have been experiencing technical system issues since XX/XX/XXXX and are unable to locate and authenticate a large volume of XXXX car models. Despite this being a known issue for more than 2 months, they still didn't provide any advance notice about this being a potential issue that could prevent the applicant from finalizing the loan. 

This loan was for USD XXXX at 1.99 %. Due to Penfed Credit Union 's action, I have suffered a significant loss as I now need to apply through other banks at a higher rate of interest.
Consumer complaint received 2016-08-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

This debt was OFF of my XXXX report!!!!! It NEEDS TO STAY OFF!!!!! I just looked at it, and it 's back on there!!!! I 've never had this credit card in my XXXX life, and it 's under my maiden name!!!! It was for {$7.00}, then increased to {$770.00}!!!! These people DO NOT LISTEN!!!!!!!! I have tried communicating with them in the past!!!!! Unacceptable!!!!! I AM NOT paying for this!!!! I did n't do it!!!!
Consumer complaint received 2021-01-27
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. (FL)

I requested my credit report annually to check my credit status, reviewing the contents I come to across numerous reported debt that does not belong to me, I tried contacting the companies i got transferred around and never got actual person to help provide explanation / resolved how those accounts end up on my credit report. I strongly believe some unknown person got to my personal information fraudulently and used it. my goal filing this report is to have those delinquent accounts removed from my credit reports, at once i can get my good credit standing back.
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (IL)

cc of complain to XXXX XXXX : Ref XXXX Acct XXXX XX/XX/XXXX rebilling of XX/XX/XXXX of {$730.00} Dear Sirs : I hereby request immediate removal of this charge. I found it on-line shortly after the original posting and repeatedly asked for documentation from XXXX XXXX, XXXX XXXX, XXXX, and XXXX and received positively no documentation or justification for the charges. The rental was prepaid and charged to my account long in advance of the trip. Additional charges were added to my account when I arrived to pick it up. No further charges were mentioned when I returned the car, despite the fact that I was within sight of their office for over an hour while cleaning the car and they inspected the car long before I left and did not mention any damage. During my repeated requests for documentation for the XX/XX/XXXX charges, I made it plain that the documents were needed if any damage was claimed, since my card includes a collision damage waiver to cover any damage. That documentation must be submitted within 90 days of the charge and XXXX has neglected to make any submission possible by their negligence and complete failure to provide documentation. I agree to no further charges and had already paid MUCH more for the rental than the advertised amount, including a number of hidden charges. The car was returned clean and in good order. 
I have repeatedly telephoned XXXX customer service and have twice been told that illegible documentation appears on their screen and that I would receive it within 10 working days of the rebill. I have not and according to them, it is illegible anyway. 
I think you will agree that this situation is completely unsatisfactory. Please immediately and permanently reverse the charge. I have made every good faith effort to resolve this situation. XXXX XXXX has not. My understanding is that federal law requires you to remove these charges.
Consumer complaint received 2022-07-05
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)

Account # XXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my instructions.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was recently made aware of an upgraded credit c ard ( Metal Card ) Capital One i s   offering to SOME of their customers. An associate of mine received this card after hearing about this new product. He reached out to Capital One and after speaking with a few employees an exception was made and they provided him with a new metal card. We both have Capital One Venture cards so he prompted me to connect with Capital One to to get the new upgraded card. I 've had issues with my Capital One card bending and not working with some merchant : therefore, I was very interested in this new product they were offering.
Today, I reached out to Capital One to receive   an upgraded metal card and  was told several different stories why I do n't qualify for this card. I was told there are two types of Venture cards, Type I and Type II. Unfortunately, I ha ve the wrong type. After escalating, I was told it is only for new customers and not existing customers. I told supervisor  XXXX   ( I.D. #   XXXX  ) my associate has been a customer for over  two years  and was not a new customer. Lastly, I was told it 's a test market and only some customers are receiving this new card at this time. At this point, I 'm not sure what to believe. I 've been a C aptial One credit card customer for 13 years ; however, I 'm not receiving the same benefits as my associate and other Capital One customers. I 'm not sure how they are selecting their " test '' population, but in today 's banking environment you can not be too careful with UDAAP violations. I sincerely hope their decision making is n't based on race/ethnicity, income level 's or some other unjust criteria. Please help me receive the same benefits as other Capital One customers.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: FIRST ADVANTAGE CORPORATION (LA)

My report has addresses on it that is not associated with me that I like to have removed. The addresses are listed below : XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX stating they had purchased debt owed by me to Synchrony Bank Wal-Mart. According to their records the debt was purchased on XX/XX/XXXX. I did not immediately respond believing the account had been settled. On XX/XX/XXXX I spoke with a XXXX XXXX and stated I believed this was a mistake and disputed it verbally. She advised me to log into the collection account and dispute the validity of the debt and I did as instructed. I received a follow up call from a XXXX XXXX (? ) and I informed her I had filed a dispute with them online. She told me she would update my file and I have not been contacted by phone since. In XXXX of XXXX I received a letter telling me my dispute had been rejected and I owed on the account. 

I then contacted XXXX XXXX XXXX who had handled my debt resolution between the dates of XX/XX/XXXX through XX/XX/XXXX. I was provided a copy of a cancelled check as proof of payment which I then provided to XXXX and disputed the debt again.Once again my dispute was rejected. Aggravated, I chose to do nothing further until after the holidays.Due to a series of life and health event, I did not start to address this issue again until XXXX of XXXX. 

On XX/XX/XXXX, I again disputed the account and provided a copy of a settlement agreement provided by XXXX and a copy of funds dispersement ledger. I did not provide a second copy of the cancelled check since they were already provided XXXX. XXXX XXXX I received a letter informing me, yet again, my dispute had once again been rejected. I was provided a copy of a letter that was supposedly from Synchrony Bank validating the debt. I question the validity of this letter for several reasons. First, it is absent of any form of letter head that anyone would expect from financial institution the size of Synchrony Bank.Two, how or why would they provide a letter of validity with an incorrect account number? How were they able to verify anything without making the correction to the incorrect account number XXXX provided? Finally, the page layout, font and QR codes in the upper corners of the document give me reason to question its validity.

I have also filed disputes with the 3 credit bureaus in XXXX of XXXX and again in XX/XX/XXXX. They have done nothing other than update the information provided to them from XXXX. 

All that being said, there is a simple explanation to the problem but XXXX nor the credit bureaus have done their due diligence. As a matter of public record, Wal-Mart parted ways with Synchrony Bank and was replaced by XXXX XXXX. XXXX  XXXX then acquired Wal-Marts existing credit cards receivables portfolio which included current and delinquent accounts. When XXXX negotiated my Wal-Mart settlement, funds were dispersed to XXXX XXXX at the agreed upon dollar amount and deposited/cleared on XX/XX/XXXX. Synchrony sold this account on XX/XX/XXXX, nine days after it was settled with XXXX XXXX. I can not owe both.I am stuck in the middle.
Consumer complaint received 2021-06-04
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: Experian Information Solutions Inc. (NY)

I reported several times about Identity theft to XXXX, even through CFPB. 
Few month ago I was assured that XXXX is no longer reporting identity theft accounts and balances on my account and CRAs. 
Until now the information is still presented and reported constantly on my 3 credit reports.
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

Ocwen Mortgage reported to the credit bureau that I was 60 days late on my mortgage payment. I made two " additional '' payments. This brings me up to date. Ocwen has refused to update my files. Additionally, they continue to charge a late fee.
Consumer complaint received 2024-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (CA)

XX/XX/2023 we contacted XXXX XXXX to install solar panels. 

XX/XX/2023 all communication with XXXX stopped as did work on the solar panel installation which was not yet complete. 

XX/XX/2023, after several weeks of trying to contact company, we found via XXXX that XXXX XXXX filed for bankruptcy without notifying customer in the XXXX area. 

XX/XX/2023 we were contacted by loan provide Mosaic that our first bill for solar was due XXXX XXXXSince then we have tried working with Mosaic to get an extended due date, forbearance, renegotiation on loan, cancellation on loan or remediation of contract. However, Mosiac will not return calls, email me requested documentation ( I was able to find a contract from a previous email ). They have also NOT acknowledged that XXXX has indeed gone out of business. 

XX/XX/2023 we have made numerous calls to other solar companies, the AZ District Attorney, and been interviewed by XXXX XXXX in XXXX ( covering other customers also being taken advantage of ). The result has been that no other solar companies will work on XXXX ' proprietary equipment, finish their installation, or provide any warrantee for their work. There may be possible class action lawsuit being created by the victimized consumers, but of course that will take a very long time. 

XX/XX/2023 Mosaic has put our account into collections and no longer returning my calls. 

This situation has put my husband and I in a difficult position as we are obviously still paying for high electricity bills in AZ, but are now in collections for a XXXX debt in solar services that we did not, and will never receive.
Consumer complaint received 2022-02-14
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)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (CA)

I have been a Continental Finance XXXX  Credit Cardholder since XX/XX/XXXX. I applied for this low limit card ( {$500.00} ) because they advertised that using their card I would increase my credit. I used their card responsibly and during that time, I have never paid late or underpaid my card. I overpaid the card XXXX dollars in XX/XX/XXXX, and between XX/XX/XXXX and XX/XX/XXXX, I did not use the credit card. Still, on XX/XX/XXXX, I received an alert from XXXX XXXX that there was a derogatory mark on my credit history. 

I have not received any statements, e-mail, or phone calls from them. After I received the derogatory credit mark on my profile, I checked all statements online. I saw that in XX/XX/XXXX, the account XXXX dollars overpaid. Still, inexplicably without using the card in XXXX, I owed XXXX dollars and XXXX cents ( {$10.00} ), and Continental Finance reported me being 30 days past due for thirty-five dollars ( {$35.00} XXXX. 

Continental Finance had the number of a bank account that I wasn't using, and it was not funded for months, they were attempting to withdraw the funds from that account without sending me statements. I asked them to remove the derogatory mark of my credit and still no response. 

They also claimed that I was enrolled in autopay but the account they were attempting to withdraw the funds was not being used and not funded for several months, they blamed me claiming that I did not remove the account from their profile.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

I received my discharge for my bankruptcy on XXXX/XXXX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.