davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

Sometime last XXXX, I sent this company a validation request letter dated XXXX XXXX, 2017 (  please see attached copy of the letter ). To date, this company has not sent a valid/proper validation documents. I have disputed this item with the credit bureaus but both refuse to comply with the stipulations of the law. This is my last option before taking legal actions and involving a legal counsel.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I receive letters at about 2-3 years home from XXXX stating I had applied for a credit card with them I called them and inform them that I never applied for a credit card with them and to please noted on the system and do not accept any applications for credit cards with them because I had no plans of applying for a credit card with them about a year later I receive another letter trying to verify information concerning another credit card I had applied for I called them again they did n't accept the credit card but nothing ever done them they when ahead and reported to Trans Union that I had applied for a credit card adding 2 hard hits to my credit score, I called them on XXXX/XXXX/XXXX and was told they had already taken care if but I looked at my credit score and the 2 hard hits still there I want to officially file a formal complain agains XXXX and request that they have the 2 hard hits remove from my credit score, XXXX XXXX, XXXX
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (IN)

In the mail we received an offer to open a Key Bank checking account and begin our auto deposits. Have {$500.00} deposited in 60-days and receive the bonus. 

We did everything we were asked to do and never received the {$400.00}. The local branch manager kept telling us was just delayed. After about 90 days he sent it to a Vice President in XXXX that said the terms were {$1000.00} in deposits. I sent them a copy of the offer we received and they simply wo n't live up to their advertised offer. 

Criminal in some countries.
Consumer complaint received 2018-01-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (GA)

Santander repossessed a vehicle in XXXX XXXX and the last correspondence with them was to find out where vehicle was to take possession of personal property left in the vehicle. Have not received any correspondence in regards to if vehicle was sold at an auction or if there was still debt owed. Through looking at my credit reports I found there to be a total due. I disputed that $ amount and it was then reporting {$0.00} owed and sold or transferred. XXXX XXXX, XXXX I mailed certified letters asking for validation of debt and any information about the repossessed vehicle. I have n't heard or seen a reply back from either Santander, XXXX XXXX or XXXX XXXX XXXX.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (DE)

While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to Navient the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/Navient question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.
Consumer complaint received 2018-01-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MO)

To Whom This May Concern : We are writing this letter in an attempt for some assistacne regarding payoff issues with CitiMortgage. 

We were in the process of renovating our property when a neighbor told me that someone was in my property. 
CitiMortgage had the men to come and break the door and damage it to change the locks on the property. The front door is damaged which can not be repaired. 

My grill that was on my upper deck was taken into the house which they also had broken. 

As they can see that the house was being renovated by looking at the outside and inside of property. 

We had put siding on the property and pulled up all of the carpet inside the property. 

We had requested a pay off in XXXX. Amount {$3200.00} Good through XXXX XXXX, XXXX. That deadline was not met. 

Next Pay Off was {$5400.00} in which they paid end of year property taxes which was not due until XXXX XXXX, XXXX. 

Pay Off letter 3 now show {$9000.00} good through XXXX XXXX, XXXX. 

How and why did it go up so much? 

Our principal balance on the property is {$2200.00} We have not came this close to lose our property. 

CitiMortgage is trying to do everything they can to take our property.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I recently got a copy of my TransUnion credit report.. Upon review of my credit report, I found that there is an inaccurate and unverified bankruptcy on my report.This has negatively impacted my ability to receive credit and has resulted in unnecessary embarrassment and inconvenience. 
As stated in Section 609 of the Fair Credit Reporting Act, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file unless the information is outdated under Section 609 or can not be verified. 
As is my right, I am requesting verification of the bankruptcy reported on my credit report. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2018-01-19
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. (IL)

I have been in contact with XXXX as well as Experian, XXXX and XXXX. XXXX has removed some of the accounts but there are still 5 posted on my credit report. XXXX and Experian have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XXXX of 2017 to no avail.
Consumer complaint received 2018-01-18
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. (SC)

In XX/XX/XXXX and XX/XX/XXXX, I hit a financial rough patch. A lot of this was due to unstable income due to XXXX XXXX  jobs I was performing. In XX/XX/XXXX, my car was repossessed. I quickly redeemed the repossession and had my car back within 72 hours. 

For 7 years, this haunted my credit report. In XX/XX/XXXX, I was giddy that the FCRA enabled this mishap to no longer limit my financial freedom. 

However, it required a complaint with the CFPB on XX/XX/XXXX to get the auto lender to respond on XX/XX/XXXX to me and the CFPB with : XXXX XXXX will honor ( my ) request to remove the redeemed repossession comment from his credit report. We asked XXXX XXXX to allow up to 30 days for the update to be reflected in his credit file. 

As of XX/XX/XXXX, this information was still present on at least one of my credit reports ( Equifax ). I have filed complaints with Equifax to no avail. 

The FCRA provides for this information to be removed from my credit reports. It has been removed from at least one and hopefully after this complaint from all 3.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sold my home XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX reported that my account was 90 days past due. Due to hurricane Irma XXXX XXXX XXXX put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to XXXX XXXX XXXX, Transunion, XXXX and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

After calling XXXX, XXXX, and Experian on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed XXXX and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to Experian but once calling Experian they said they didnt receive it. XXXX and XXXX are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XXXX of 2017. Experian told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.
Consumer complaint received 2018-01-20
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: CITIBANK, N.A. (PA)

I received a fraud alert from CITI on XX/XX/XXXX about a transaction in the amount of {$690.00} on XX/XX/XXXX which I did not originally recognize, so CITI cancelled my credit card and sent me a new one ( my current card ). A few days later, I learned that my granddaughter to whom I had given permission to use my card, had used it to make that {$690.00} purchase ( XXXX XXXX order no. XXXX ). So I called and informed CITI that the {$690.00} charge was legitimate. This charge correctly shows up on my XX/XX/XXXX statement as rebill cm accepts ( XXXX ) and of course I am not disputing it. 

Also, at about the same time, on XX/XX/XXXX, my granddaughter cancelled the order and got an acknowledgement from XXXX XXXX. Subsequent to this, XXXX XXXX credited 75 % of the {$690.00} charge ( amounts to {$520.00} ) instead of the full amount as the product had already shipped and their third party retailer policy was to charge a 25 % restocking fee ( amount of {$170.00} ). This is the credit of {$520.00} which shows on my XX/XX/XXXX statement. 

Subsequent to this, upon my complaining about having to pay the {$170.00} restocking fee, XXXX XXXX sent a XXXX XXXX gift card on XX/XX/XXXX to XXXX XXXX as she is the one who had placed the original XXXX XXXX order no. XXXX. 

Therefore, the {$690.00} amount was fully refunded through a credit of {$520.00} to the CITI Card and a Gift Card for {$170.00}. 

There is no purchase in the amount of {$520.00} from XXXX XXXX or any other merchant for that matter. As such, the charge of {$520.00} on my XX/XX/XXXX statement is in error and I am disputing it and asking for an immediate credit in the same amount. 

I urged CITI to contact XXXX XXXX to verify everything I have explained and to contact me if further information was needed. 

I have repeatedly called and wrote a detailed letter, attaching all relevant information but CITI has not responded and the issue stays unresolved. 

I want CITI to credit the {$520.00}.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I asked Experian to have the company provide supporting documentation such as pictures and videos of the alleged damages from the XXXX XXXX that the landlord sold to a third party debt collector without my consent. 
Experian is not following the laws or rules and the law say what it say and mean what it mean it says incorrect information corrected or removed its not done yet and the inquires need to be removed from my file I never authorize any XXXX  to run my personal credit information to any third party. 

I also asked this company experian to remove the names and addresses from my file because it is not the spelling of my name and addresses is not mine.
Consumer complaint received 2020-09-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

Dating back to XXXX, my student loan monthly payment has been due on the XXXX of each month with a grace period lasting up to the XXXX of each month. My statements clearly state, " Pay Past Due Amount by <Date that grace period ends> to avoid Late Fee ''. On all but one or two instances, I have met that deadline, submitting payments on the XXXX and received email confirmations that state payment has been " Scheduled for <Date that grace period ends> ''. In addition, when I log into my Navient account and review my account history, the payment dates all show XXXX or XXXX ( with the one or two exceptions I noted above ).

Despite meeting the payment deadline stated in my monthly statements, I have incurred late fees on 9 occasions in the past 24 months. On XX/XX/XXXX I called Navient and spoke with a customer service representative to discuss the late fees I incurred. The explanation that I was given was that payments can take 24-48 hours to process AFTER the date that the actual payment was submitted and this is the reason for the late fees being charged. I explained that information is not provided to the borrrower in any way - not in the payment confirmation email, not in the monthly statements, not in any of the correspondence sent by Navient ( loan documents, account history, email ). This lack of notification is preventing borrowers the opportunity to rectify the issue ( adjusting payment dates to take into the consideration of the 24-48 hour processing delay ). 

With every other bill I pay, those companies honor the date that payments were submitted, regardless of when the payments are actually processed, and no late fees are charged. I don't understand why Navient fails to handle payments in the same way and borrowers need to be made aware of this in every way possible - when they log into their accounts, in the payment confirmation emails and stated clearly in the monthly statements so that they can make necessary adjustments to avoid being charged late fees when submitted payments on the day the grace period ends.
Consumer complaint received 2018-01-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

Re : Overpayment on refinancing Account # XXXX On XX/XX/XXXX I refinanced my student loans with XXXX and they paid Navient {$69000.00}. This is an over payment of {$930.00} of the last principal balance fromXX/XX/XXXX. I calledXX/XX/XXXX and was told that the over payment went towards the loan you still currently house ( XXXX ). Upon adding the numbers that was applied to loan XXXX the total is {$530.00} a difference of {$400.00}. Now, I understand there was 6 days between the last principle amount date ( of my last payment ) and  XXXX XXXX when XXXX paid you for the loans and during that time interest had accrued, however, I know that {$400.00} of interest had not accrued during 6 days. So can you please tell me where the missing {$400.00} has gone?
Consumer complaint received 2018-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (VA)

On XX/XX/XXXX, I received my credit report and found several items that were not mine. After noting the inaccuracies, I notified Allied Collection Service to inquire about the date they claimed I owed. On XX/XX/XXXX, I sent them a letter via certified mail ( See enclosed documentation ) concerning the issue that this was indeed not my debt but also requesting verification, i.e., competent evidence that I had some contractual obligation with this trade line. I also asked for a certified copy of an original contract, with my handwritten signature, specifically naming Allied Collection Services as an entity entitled to enforce a claim against me. My final purpose of this letter was to ensure the company knew I was disputing the debt which I made clear on several occasions throughout the document. On XX/XX/XXXX, Allied Collection Services received the letter ( See enclosed documentation ). On XX/XX/XXXX, XXXX XXXX XXXX provided a response to my dispute and provided the enclosed document as evidence of their lack of sufficient proof of validity. As a printout of a bill or itemized document does not constitute verification.I submitted the documentation to the CRA 's for evaluation that this is clearly not valid proof of debt ownership. 

On XX/XX/XXXX, I reviewed my credit report ( See enclosed updated doc from XX/XX/XXXX ) that Allied Collection Services did not furnish the credit bureaus with the required disclosure, within the period required by law. Allied Collection is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. All other accounts which were incorrect, inaccurate or incomplete that I disputed had this disputing detail in the descriptions. However, Allied Collection Services did not.This is a violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] : ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Consumer complaint received 2024-08-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (MN)

My home was damaged by XXXX XXXX XXXX My insurance company agreed to provide payment for the repairs. However, my insurance company included my mortgage company Freedom Mortgage on the check, meaning I would have to get their endorsement to cash all insurance checks and pay for the repairs. 

Since XXXX, Freedom Mortgage has intentionally delayed my receipt of payments from my insurance company. When I would send checks in for endorsement, Freedom Mortgage would deposit the money in the escrow account and just keep it there. They would not release the money unless I contacted them and ask why they were not returning the check. They would make excuses every time such as needed an updated Adjusters Report, even if I mailed in a physical copy of the Adjusters Report with the insurance check requiring their endorsement. 

The last check I sent Freedom Mortgage was on XX/XX/XXXX in the amount of around {$25000.00}. They sat on the check without notifying me that they needed an updated Adjusters Report until I called them. They keep you on hold for over an hour every time you call them about an issue almost as if hoping that you give up in frustration so they can keep the money. After I provided the same Adjusters Report that I mailed with the check, Freedom Mortgage claimed they needed more information from my insurance company. My insurance company sent the information. 

Freedom Mortgage never contacts you with an update so I had to contact them after a week after submitting everything they requested to release the money. They said they requested the disbursement of the funds on XX/XX/XXXX and that it would be processed in 10 business days. I contacted them yesterday to see if the check has been processed and they said no and they have no idea why it hasn't been processed and once again claimed they would contact me but they didn't. 

They have delayed the repair of my home seemingly in an attempt to keep my insurance payments. They refuse to provide an answer as to why they refuse to release the money and it is starting to amount to theft as they simply have just refused to release my insurance funds or provide any reason as to why they refuse to release the funds.