davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

I  have sent Midland Funding  letters on different occasions. The dates are as follow  XXXX   XXXX   XXXX  ,   XXXX   and they are claiming I owe {$590.00}. I keep asking them to provide me with a contract with my signature on it and they clearly have n't but yet keep claiming the account is verified..
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

On  XX/XX/XXXX  I filed a Dispute with Eqifax to remove inquiries that were incorrect on my credit file, by  XX/XX/XXXX  I received confirmation that my Dispute was complete. The inquires we not removed and I was notified that it was factual. I called 13 times after filing 609 letters with all documentation proving that the inquiries made on   XXXX   XXXX   XXXX   was not made by me. I purchased my car  XX/XX/XXXX  and those inquiries fell off only to be done placed back with a date of   XXXX   XXXX   XXXX  . I received a letter that Equifax had a comprise into their system. Every rep I spoke to was rude and only replied with oh well it will come off in  XXXX .
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NY)

Applied to Wells Fargo for a active cash card which has a cash refund plus has a cash back for charges. Was approved immediately. When I received the card it was a reflect card which has no benefits. Called Wells Fargo many times but was always transferred with no results. This is a bait and switch scam. I do not want anything further from Wells Fargo, I am now only reporting this scam.
Consumer complaint received 2016-04-13
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (CA)

our lender ( Ditech Mortgage Corp ) did not pay our impounded property taxes as per the scheduled payment due. Now we are in default to the tax board with penalties. this came up today when trying to finalize a refinance loan. this issue is delaying the closing and will affect my rate. this needs to be resolved asap please.
Consumer complaint received 2022-07-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I recently sent the XXXX credit bureaus a request to CORRECT the account from the " In Dispute '' status. I just reviewed my credit report and this request was NOT handled properly. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies Here is the account that needs to be corrected. 

XXXX XXXX XXXX XXXX Late Date XX/XX/21
Consumer complaint received 2020-10-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Hello, I had two collection accounts with a collection agency ( XXXX XXXX XXXX ), I contacted the collection agency and negotiated a " Pay for Delete '' agreement with them. I paid both accounts in full with XXXX XXXX XXXX ( Collection Agency ). After payment was posted on both accounts, they provided documentation that the account was now satisfied and Paid in Full, they also provided a statement in the same letter stating that the accounts in question would be removed from my credit profile. I submitted a dispute with Experian, XXXX, and XXXX to speed up the process of getting the accounts removed from my credit profile. Experian received and acknowledged the dispute and promptly removed one of the collection accounts from my credit profile, but did not remove the second account that was placed by the same company ( XXXX XXXX XXXX ) and provided the same documentation but did not remove the account from my credit profile. I have disputed the account twice online and once via phone, I have submitted the documentation several times stating that this account should be removed from my credit profile but Experian just updates the information after they have already removed XXXX account with the exact same documentation that was provided, and will not remove the second account. This needs to be rectified.
Consumer complaint received 2022-07-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I recently sent the XXXX credit bureaus a request to CORRECT the account from the " In Dispute '' status. I just reviewed my credit report and this request was NOT handled properly. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies Here is the account that needs to be corrected. 

XXXX XXXX XXXX XXXX Late Date XX/XX/21
Consumer complaint received 2016-12-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northeast Collection Bureau (AR)

On XX/XX/XXXX I received a phone call at my place of employment from a XXXX XXXX calling from XXXX ( northeast Collection Bureau ). He stated that my file was bought by them and am currently {$3000.00} in debt, but that is not the amount I was told in XX/XX/XXXX. In the month of XX/XX/XXXX I was told {$1200.00}.
Consumer complaint received 2017-05-22
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: Jon Barry and Associates, Inc. (NC)

I sent a letter to Paragon revenue group asking them to validate these  XXXX  medical bills of {$280.00} and  XXXX  that are not my debts. I have heard nothing back from them. It 's been 30 days. The  XXXX  for {$75.00} was opened on  XXXX   XXXX ,  XXXX . The other {$280.00} opened up on  XXXX ,  XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Under XXXX, this account must be removed ASAP. I'm really mad that it's showing up on my credit record when it's not even my account. Its presence has upset me, and I feel sick because of this situation. Please remove it as soon as possible.
Consumer complaint received 2022-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (TX)

I financed with Westlake Financial Services for my first car. The first payment was XX/XX/XXXX, and it was denied for insufficient funds ( I did not have overdraft protection and because of pending charges, I was - {$40.00} after the payment came out. ) I asked for an extension to XX/XX/XXXX, and they granted the extension. They told me to make the payment with the late fee. I made the payment, and was unaware they took another one out the same day. I saw that they took it out after my first payment went through, so I asked for them to refund one. They said they would, then refunded both. Afterwards, it said that I was about 2 weeks late on my payment and I was not allowed to make automatic payments or manual online payments anymore because I had been refunded too many times. They called the dealership and said that if the dealership themselves didnt pay my balance, they would repossess my car before the 30 day timeframe, and that I defaulted on my loan.
Consumer complaint received 2020-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MD)

XX/XX/XXXX entered into contract with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX   XXXX paXXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX, and purchased a XXXX XXXX XXXX for {$14000.00}. 
My first payment began XXXX and payments were to be {$330.00} for 72 months @ 18 % APR, {$9500.00} I paid the car off in XX/XX/XXXX, ( 4 years and 4 months ). I was charged for 72 months for finance charges totaling {$9500.00}. 
The amount of interest paid on this loan was not adjusted due to early pay off of the loan and the interest charged should have been {$6500.00}. 
{$3000.00} in interest was over paid on this loan.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SQUARETWO FINANCIAL CORPORATION (WA)

Back in 2008 we had to get a loan to pay for our vehicle to get fixed, an so went foolishly with one of those high interest XXXX loans. I defaulted on that loan. Now, CACH LLC has placed a levy against me for that old debt, and if it goes through me and my family will have nothing to live on.
Consumer complaint received 2015-04-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2024-05-07
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: CCF Intermediate Holdings LLC (TX)

I reviewed my credit report XX/XX/year> and found unusual activity on my report. To my finding there were hard inquires. On XX/XX/year> I contacted XXXX and spoke to an agent by the name of XXXX who told me that he could not support with removing the falsified inquires. That same day an FTC report was made for fraud, see attached file.
Consumer complaint received 2019-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Ocwen never wanted to negotiate. We started the Foreclosure proceedings since XXXX. I hired an attorney to protect my rights and I also claimed Bankruptcy Chapter XXXX in XXXX in thinking Ocwen would be willing to do a Modification. I originally included Ocwen in the Bankruptcy payments however after noticing that they did not want to negotiate for me to keep my home I removed them from the Bankruptcy payments. I had to move out of property luckily my attorney XXXX XXXX was monitoring my home and advise us to move out by XX/XX/XXXX. The house was put in auction and the bank ( Plaintiff ) never sold the house they kept for the amount that I wanted to buy it for. They never reach out to me to see if I wanted to keep the home. I notice recently that the house is still vacant and my attorney has advise me to put a complaint in with your company to see what you can do.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX INQUIRY WAS PLACED ON MY CREDIT REPORTS. XXXX XXXX SENT ME A LETTER STATING THEY WILL REMOVE THE INQUIRY BUT STILL NOT REMOVED FROM MY CREDIT REPORTS OF XXXX XXXX, EQUIFAX XXXX REPORTS
Consumer complaint received 2015-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (PA)

Co signed my sons student loan through wells fargo. I have been hit on m credit report XXXX times. My son has XXXX different loans co signed by different people. Mine was the XXXX and wells fargo assigned the same account number for XXXX. every-time my son makes a payment they arbitrarily assigned the payment where they want and often times my loan does n't get paid in full. I call wells fargo but they cant talk to me because there are other people on the loan number. I do n't get notification of anything. I made a credit report complaint but the poor marks remain on my credit. wells fargo should never have assigned the same acct. number to XXXX different loans/
Consumer complaint received 2015-10-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc. (NM)

a company named NCB management services called my cell phone and did not leave a message. I returned the call and could not make contact with a live person. Instead I was transferred numerous times by recorder messages and finally ended up at a company voice mail box. In a stern, but polite fashion I instructed who ever receives this message to remove me from their call list, and informed them that I do not have any debt with them.
Consumer complaint received 2016-07-22
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

XX/XX/XXXX I made an agreement with XXXX XXXX XXXX to settle a lawsuit from a credit card debt. At that time the amount to be paid was {$5800.00}. The agreement was for XXXX to take {$100.00} out of my bank acct on the XXXX of every month. XXXX said it was my only option because they did not accept checks being mailed in. Until XX/XX/XXXX they took {$100.00} from my acct. And then it stopped. I do n't know why it stopped even though a balance was still due. Nothing on my end changed the bank acct was the same ( I have had this account for almost 20 years ) and no contact was received from them, ( I have had the same phone number for 25 yrs and the same address for 17 ). Then on XXXX XXXX, XXXX I received a call at my office wanting to verify employment. When I asked what this was about I was told it was in regard to a judgment gotten against me by Midland Credit Management for violating the terms of the agreement. I was never notified about this, did n't even know that a court date was set up nor did I ever receive a phone call or letter from Midland about this. When I mentioned that I did not violate the agreement that they had stopped taking the money, and that all my information was the same, the person said it was my responsibility to find out why they stopped. Again none of my info changed so why is this my responsibility? She they said I had to pay the full amount even though they had collected over {$2900.00}. It took me over 4 hours of arguing with them and lots of lies on there behalf. All of which they kept blaming me for their error. I was told that I should have sent them a check and when I said that I was told they did n't accept checks I was called a liar. Finally I was able to speak to someone who claimed to be an attorney and who blackmailed me into paying them {$500.00} to make it go away. When I ask for the lawsuit to be vacated I was told NO. This is not right, now my credit which I have been working very hard to fix is showing a Judgment against me, which is not my fault. Again I have had the same bank acct. Phone number and address all for over 17 years so they could have reached me at anytime. This is not right, I was basically black mailed into paying a debt which they failed to collect, not that I failed to pay. I hope you can assist me in taking action against this company which I am sure I am not the only person they have done this too.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

NONE of the credit reporting agencies ( Experian, XXXX, or XXXX ) explain HOW a credit score calculation is done ( there is only information regarding what " % '' of a credit score is from various sources-e.g. debts, credit utilization, etc. ). Please INVESTIGATE EACH CREDIT REPORTING AGENCY and find out WHY there is NO INFORMATION given to consumers regarding HOW a credit report score is calculated!
Consumer complaint received 2024-05-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (PA)

XX/XX/year> I tried to log into my online account. It accepted my credentials, texted me a code which I received and entered, then the system told me there was a problem, to call XXXX. I did, and spent XXXX minutes on the line with no progress. I had to do something else on my calendar, and ended the call at that time. 
XX/XX/year> I still couldn't log on. I was now told I need to contact the fraud department at XXXX. I planned to call later, since I had to join a meeting. They offered to call back, but the time frame was within 2-3 days so I refused that option. But then I got an email saying my account email address had been changed to something I didn't initiate or know. I dropped out of my meeting, called XXXX. Someone named XXXX answered, verified my personal details, asked if I'm calling about the funds transfer. I replied that I can explain why I'm calling. He then said, " Hold on '' and transferred me back to the XXXX customer service line. I hung up. I then called the XXXX fraud line back twice, and each time, after about XXXX minutes, the hold music came on with a recorded message that the BMO mailbox is full and not accepting messages. I called the XXXX customer service line back with more urgency and spoke with XXXX. She said I'd need to call the fraud line, but once I explained what I'd already experienced, she called over together, conferenced with me. We did finally reach someone at the XXXX fraud line named XXXX. XXXX explained to XXXX that she has no access to BMO Alto accounts and can not help me. XXXX asked XXXX what to do. XXXX explained that XXXX should be the one to unlock my access. This was counter to the information the XXXX customer service people seemed to understand. XXXX had me hold while she discussed this with her supervisor, to get permission to unlock my account. When she came back to me on the phone, she told me my online access was cleared. She stayed on with me to confirm I can get in, which I could. 
IT SHOULD NOT TAKE 2 DAYS, XXXX CALLS AND XXXX HOUR XXXX MINUTES ON THE PHONE TO GAIN ACCESS TO MY ACCOUNT. 
Moreover, nobody can explain why it was locked in the first place. Nobody seems concerned about a pretty legitimate looking email saying the email address on the account was changed ( they don't see this on their end ). I don't seem to be able to identify the BMO Alto fraud department to clear that with. Nobody can tell me if XXXX in fraud *was* able to access my account information before transferring me. Also, if I XXXX for " BMO Alto fraud phone number, '' I get an entirely different number - XXXX. If I call that, I arrive to the same prompts as for the regular customer service line of XXXX. I also find this complaint online from other customers. I will be moving these funds to another institution with proper customer service and fraud support, but this is still not ok.
Consumer complaint received 2015-10-31
Product: Prepaid card — ID prepaid card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (MD)

Hello, I have a Rush Card. Today I loaded XXXX dollars to my card at XXXX though greendot. Then I called to check my balance to make sure It was credit. It said it was. Later I went online to pay my care note and the system said I have insufficient funds. I called Rush company, they had me on hold forever. I talked to XXXX ppl. Then I finally talked to someone they said they cant locate my money. I provided ref # and everything. All they tell me that they send to higher authority and there 's nothing they can. So now Im out of XXXX dollars and carnote not paid. I read on the internet ppl have not be getting their money. what can we do about our money.
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (IL)

I wasnt sure which options to pick on the previous screens that matched up with my issue. I currently have a Borrow Defense application that went through and wiped out the few federal loans I had for this school ( XXXX XXXX XXXX XXXX ). XXXX and Navient pushed me towards private as well, {$28000.00} in private loans that were not eligible for Borrow Defense because they were private. I was taken advantage and they never disclosed the difference between the type of loans to my or my parents at that time. The school closed to do fraudulent behaviour and the credits were not legit for transfer etc.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (CA)

How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my XXXX XXXX? Through a written letters sent on XX/XX/2022, I requested the Credit Bureaus for the investigation and correction of these accounts and yet upon reviewing an updated copy of my Credit report, it is clear that they have done nothing. Let me remind the Credit Bureaus that they are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that the Credit bureaus take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. 
1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT ED/XXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT ED/XXXX XXXX Balance Owed : {$1700.00} 11. DPT ED/XXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Consumer complaint received 2016-03-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters sent a letter stating that I owed {$2000.00} which was never taken out. The phone number given transfers to XXXX XXXX which refuses to provide information on the validity of the debt.