davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: STONEGATE MORTGAGE CORPORATION (VA)

Mortgage Servicer : Stonegate Mortgage ( per website, now XXXX XXXX XXXX ) I am an XXXX at XXXX XXXX XXXX XXXX XXXX. I represent a XXXX-speaking borrower who is currently divorcing from her abusive husband and co-borrower. The separation triggered loss of income and nonpayments of the monthly mortgage. 

I contacted XXXX XXXX XXXX and submitted a hardship application on behalf of my client on XXXX XXXX, XXXX. A Third Party Authorization signed by my client was included in the application. I supplemented the application with the husband 's information on XXXX XXXX, XXXX. Between XXXX XXXX and XXXX XXXX, I was able to talk to the servicer 's representatives without any problem. I was informed that a pending foreclosure had been postponed and that a new auction date had been set for XXXX XXXX, XXXX. 

Unbeknownst to me, on XXXX XXXX, XXXX XXXX XXXX representatives realized that they were not authorized to provide me any additional information because the my client 's husband and co-borrower had not provided a signed third party authorization. I was then cut off from all communications. 

Without my knowledge, XXXX XXXX representatives called my client and sent her subsequent letters requesting more information to process her application. My client, whose XXXX is limited, did not communicate with me to address XXXX XXXX 's request. 

On XXXX XXXX, XXXX, I called XXXX XXXX to check on the status of the application. The servicer 's representative informed me that they did not have a third party authorization on file and could not provide any information. 

I obtained the husband/co-borrower 's electronic signature on a Third Party Authorization form and faxed it to XXXX XXXX on XXXX XXXX. On XXXX XXXX, I was told that the the form had not been processed and that it could take up to 48 hours to have it on file. I resubmitted the forms on XXXX XXXX, XXXX via fax. I called on XXXX XXXX and was told that the authorization had not been processed. I called again on XXXX XXXX, and learned that the authorization had not been processed yet. 

On XXXX XXXX, XXXX I asked to speak to a manager. I was transferred to a Collections Manager who asked me to email the signed authorization to his business email. After receiving the forms, he informed me that the Third Party Authorization form needed to include a physical signature. This was the first  time that a representative looked at the form I submitted. 

I obtained a physical signature on XXXX XXXX, XXXX. I faxed it to the servicer and emailed it to the Collections Manager. The form was not processed until XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I was finally able to speak to a representative who informed me that the hardship application had been withdrawn for failure to provide requested documentation. 

The house is currently in the active foreclosure docket, and it is set for auction on XXXX XXXX, XXXX.
Consumer complaint received 2017-06-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (OK)

I requested a credit report in  XXXX   XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service  Ad Astra  for  XXXX   XXXX  was listed on my report. I have lived in Oklahoma since  XXXX  and have NEVER used a payday loan service. I disputed the false addresses a nd Ad Astra account. I did get the addresses removed, but have tried for several years to have the negative report from Ad Astra remove d.     I have repeatedly disputed this information on my account and have never received any direct notification from  Ad Astra un til  XXXX   XXXX   XXXX . This account does not belong to me.  XXXX   XXXX  has closed this account on my report, however  XXXX  has not done so after repeated disputes.     I have tried to find an email contact  for Ad Astra to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from Ad Astra.
Consumer complaint received 2017-04-17
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (TX)

I called my bank to inquiry about a repeat home equity loan, the loan  officer tried to take an application over the phone, but I explained I was not ready for that yet. She ( loan officer ) asked me to email her income documents of a secure nature. My wife said that email was not secure and that I should take them to her. She ( loan officer ) insisted that her customers do this all the time but my wife said no and I should bring to the office or fax them in. The loan officer insisted that I give her an a pplication but I told her I wanted to come into the office on Monday and we could do it then. I am  XXXX  and my wife said I should go in to their office to handle this kind of business. My call was simply an inquiry about their guidance and the fact that I had a previous loan with them. The loan officer said she had an apointment at  XXXX , so I went early as soon as they opened to talk to her. When I arrived Monday, they told me they ran my credit. I did not give them permission to run my credit. I am very upset about this violation of my privacy. She said I was lat e 13 times on my previous loan with them, but my credit report shows that I paid as agreed. After my wife called the branch manager to complain about the gros s negligence and violation of my privacy. I began to get calls for a conditional loan approval of a loan I have not filled out an application for.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (MA)

I pay my   XXXX   XXXX   Credit card via automatic debits, and also have estatements. I notice my minimum payment continues to rise, yet I rarely use the card. I looked online and see that I am charged approximately  XXXX  per month for " debt prot '' -which I have never authorized. It appears that this has been charged to my account for at least 2 years, which is as far as I can go back online. This is approximately  XXXX  and  could easily be more as I have had this card for many years.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

In  XXXX  of   XXXX   i had contacted   XXXX   about inquiries that was on my credit report. I do not have any knowledge of these inquiries.  XXXX  told me that there was nothing they could do and these inquiries will be taken off in 2 years. I have been trying to get these inquiries resolved with them and the company 's with no luck. These inquiries are not authorized by me and should not be there. This is damaging my credit. Please help to resolve and delete all non-account holding inquiries. Thank you.
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (AR)

Received my credit report in the mail and noticed a new collections account added from a company I had never heard of called CFSI. I received notice from them regarding a debt 2 months ago. I immediately sent them a dispute and verification letter 3 weeks before the 30 days were up to dispose, asking for any contracts signed, proof of the statue of limitations, and proof that this debt belonged to me. Afterwards, I never received any other correspondence from them to verify this alleged debt. The next notification I received was it appearing on my credit report. I have not received any services from this company. This alleged debt was added without notification to me and no right was given to dispute it. Not only did they not allow me to verify this debt, this debt does not belong to me.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I have been in contact with XXXX XXXX through three letters explaining my conundrum with regards to XXXX/PAYPAL account number XXXX. 

Way back XXXX 2012, while I was still a XXXX in a XXXX XXXX, I donated {$5.00} as a goodwill to a family in need using my Paypal Account. I have a debit card linked to my Paypal Account back then and did not realize that there is an opened XXXX/PAYPAL account and was linked to my Paypal Account. Confident that this {$5.00} was charged to my debit card, I did not realize that the actual {$5.00} was charged to the XXXX/PAYPAL smart connect card. As a result, I missed the payment. This {$5.00} was then transferred to XXXX XXXX collection department that had accumulated {$87.00} including the {$5.00} principal amount which I have already paid off. But before that, the account was then charged off. 

I was never notified about this {$5.00} charge. Ive never received any bills or statement by Synchrony back. I did not even notice that Synchrony credit card has been opened and I never receive any card nor activated one. If only I have been notified about {$5.00} would have been paid in a heartbeat. Even though I strongly believe that I am not liable for the accumulated fees I still paid off the amount charged to me. 

I have asked XXXX XXXX many times to consider my situation. I could never believe that a simple gesture of kindness would cost me dearly. I could not believe that I could suffer like this for wanting to help someone in need. 

I am requesting yet again for XXXX XXXX to please consider all facts and for this account to be removed from my credit report. I have been denied several loan applications due this issue. I never intended to miss any payment especially when I have the ability to pay {$5.00}, if only I was notified. Attached to this letter are copies of the three letters I previously sent.
Consumer complaint received 2017-04-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK (CA)

I applied for an extension on   XXXX   XXXX  . The company emailed me back and stated they received paperwork. They kept calling me every day up to 5 times a day until I picked up on   XXXX   XXXX  . They stated they needed my payment in order to avoid repossession. I told them I had sent in paperwork for an extension, the agent stated they never received anything and asked me to send again. So, I did. Payment rolls around and I am unable to make a payment over the phone or the website. At this point, they have refused to accept my forms of payment unless I make it through   XXXX   XXXX   which does not exist in  XXXX , CA and they will not take payment over the web. They called for 18 days when they were not supposed to and now I am the irresponsible client because I refuse to go out of my way to make a payment. I also have all these late fees that I have been paying and when I ask them where my money is going they do not have a straight answer. My payment is  XXXX  and I pay  XXXX  which covers my late fee, but for some reason, I have unpaid late fees. This does n't make any sense to me. I asked them to have a VP or are a manager c all back and I keep getting calls from the agents who say I can speak to their supervisor. They have refused to get me in contact with someone higher up in the company and I even got into an argument with an agent today  XX/XX/2017    at   XXXX   XXXX  .
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (TX)

After receiving letters from XXXX XXXX XXXX, XXXX, Equifax, XXXX, XXXX and XXXX about my information being hacked or leaked, I reached out to both bureaus that contained misinformation. It appears an individual attempted to open several accounts using my information. I completed a FTC report and reported this information via phone call to the local PD. I submitted this I information to XXXX and Equifax, and after waiting minimally an hour was able to speak to a representative. These representatives were unhelpful and combative, but I believed a solution would be established. Upon a more recent check, I realized nothing was done and the inaccurate information remains on my reports. I believe the bureaus job is to make sure all information is accurate, and if not, do the research to ensure it will be. I immediately need a resolution, to remove at minimum 3 XXXX inquiries from XX/XX/year>, that I 100 % was not apart of. Also there is a single inaccuracy on the Equifax report, claiming and inquiry from XXXX XXXX XXXX. I did not request this. Please advise, thank you.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (CA)

XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.
Consumer complaint received 2017-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On  XX/XX/17    I contact ed Kohl 's Collection    department about an account opened in my name, in collections, that I had not authorized in the amount of {$750.00}. Most of this was late fees. It was discovered while I was in the process of trying to qualify for a mortgage. I was told I could not dispute this account & that they would leave it in my credit reports, damaging my chance of getting a mortgage unless I paid part of it. They also refused to adjust the fees & alow me to pay the balance to re-open the account. I made a settlement arranegment for the amount of {$280.00} & gave their rep my checking account number to withdraw the settlement amount, via Check by Phone scheduled for that date.This was due to the facr they claimed they could not use a debit card for this transaction. They gave me a confirmation number of  XXXX . The money was in my account & I watched & waited for it to clear.     When it did not, I called their collections department again on  XX/XX/17   . They said the payment did not go through. I checked with my bank & they say the Check by Phone was never requested. This rep said they could take a debit card, so I gave him the number for the one associated with the same checking account I provided previously. I was given a new confirmation number,  XXXX .     This time the money was withdrawn from my account, {$280.00} on  XX/XX/17   . Why they waited two days I do not know since it was sitting there the entire time.     I 've received  3  different letters fr om Kohls regarding this transaction, all coming about a week after the d ates posted on them. The first, dated  XX/XX/17    informs me  the  XXXX 17 tr ansaction did not go through. I got that in the mail on  XX/XX/17   . The next dated  XX/XX/17    states that my current balance is {$750.00} & my scheduled payment for  XX/XX/17    is {$280.00}. I got this  one  on  XX/XX/17   . The third is dated  XX/XX/17    & states my current balance is {$470.00} & my scheduled payment is {$280.00} due on  XX/XX/17   . I have as of today not recieved a  XXXX  balance letter stating this is settled.     I have call ed Kohls also  on  XX/XX/17    & asked about the    XXXX     balance letter & they keep telling me it 's on it 's way. They have refused to issue it digitally & continue to report this account as in collections. It has indeed damaged my ability to get approved for a mortgage, and I am quite unhappy with this since it was an account that was fraudulently started my my ex.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

ON XX/XX/2018 I mailed in a request for investigation to EQUIFAX regarding the collection account XXXX XXXX account XXXX.My dispute centered on that I had emergency XXXX   coverage for the service provided by the original creditor.The response is as attached.The fraudster creditor with EQUIFAX HELP have attempted to steal more and damage a low income person.XXXX XXXX has changed the account number, upped their fee, changed a few dates and created a second account from the first one, leaving both wrongfully appearing on the credit report while ignoring my dispute ... it has only been ten days today since the dispute was mailed to Equifax, so it appears no research was done only compounding the wrongful damages to me.
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (WI)

i sent letter of discovery to ic systems ( debtor ;  XXXX  which i have not used in years  ) (  first reported  XXXX  ) to verify debt, and have had no response &amp; gt ; 30 days.I requested copy of original agreement with my signiture, also requested copies of the original deliquency and any subsequent bills showing debt.. no contact from ic systems I filed complaint with all  XXXX    XXXX   XXXX   and   XXXX    disallowed with no information.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2017-06-18
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: EQUIFAX, INC. (CT)

I checked my Equifax credit report through   XXXX   I found a "   XXXX   '' hard credit pull on  XXXX   XXXX ,  2017  that I did not instigate ( I did n't apply for new credit or do anything with  XXXX   ).  I contacted  XXXX  by phone on  XXXX   XXXX ,  2017 , and they refused to provide any information.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

In  XXXX  of   XXXX   I received a letter from the Georgia Department  of Revenue  releasing that lien and they stated that they never report anything to any credit reporting agency. I recently observed that Experian is and has been reporting third party information as being valid on my credit file.   I have requested of Experian to Please validate this information with  XXXX   XXXX   XXXX   Court and pro vide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.   The information is not valid that is being reported on my Experian  Credit File.
Consumer complaint received 2018-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IA)

I used this account for years and then I had a charge I was trying to dispute and I contacted XXXX for months as the charges were not mine and they ignored it and continued with the collection efforts. I have been trying to resolve this for over a year now and I eventually just stopped making payments on it last year. The only reason I kept paying was just so it doesnt hurt my credit which now of course it has. This has impacted me greatly and I dont know who else to turn to, this card was originally mine but the debt on there is not. Please help me
Consumer complaint received 2018-03-08
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. (FL)

XXXX, Experian, XXXX, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (HI)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2017, my bank credit card was charged {$490.00}. I didn't authorize the charge. I contacted my bank, Capital One, to dispute the charge. I followed the instructions of Capital One Customer Fraud Protection Unit. They said no fraud was committed, based upon XXXX XXXX City Marshal 's investigation. I believe that XXXX XXXX City Marshal didn't do due diligent in their investigation. So, I was responsible for the {$490.00}. I believe I took the appropriate steps to dispute and prove that fraud had been committed.