davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ALTERRA GROUP, LLC (FL)

Dear Sir Or Madam : On or around XX/XX/2020 I XXXX XXXX with XXXX XXXX entered a contract for a sale of a real estate property located at XXXX XXXX XXXX XXXX FL XXXX. I contacted the lender Alterra Loans. XXXX XXXX XXXX NMLS XXXX was the loan officer/branch manager that was doing the financing on this deal. He told me this was a straight-up just FHA Loan and probably will close before the contract date. After a few weeks, he kept on saying everything is fine and he was waiting on clear to close. He decided to take some time off and apparently never assigned the loan to anyone else so this just set us back. We finally got the clear to close after extending the closing date another week. The title company described his work as a disaster nothing was balanced the buyer did not even know what amount he needed to take to closing. And The title company was the one to inform me this was a down payment assistant. I find this unprofessional, unethical, dishonest, I feel cheated and taken advantage off. Why not be forthcoming and stating the type of loan from the beginning? Even the realtor using his services told me she will never do another deal with this person or company. 

Respecfully, XXXX XXXX XXXX
Consumer complaint received 2020-06-01
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. (TX)

ftc violations inqurires XXXX  XXXX XXXX. {$4700.00} {$2600.00} XXXX inquires all besides above XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX wrong status XXXX XXXX XXXX  XXXX XXXX XXXX wrong status XXXX XXXX  XXXX/XXXX  XXXX wrong status XXXX XXXX XXXX wrong status INQUIRIES XXXX  XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX  XXXX  XX/XX/2018 unauthorized XXXX  XXXX XXXX  XX/XX/2018 unauthorized XXXX  XXXX  XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized PUBLIC FILINGS BANKRUPTCY CHAP XXXX-DISCHARGED XXXX inaccurate Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been trying to resolved a late payment being reported by Capital One. I been a card holder since XX/XX/2019. Each month I have had issues trying to pay my balance via capital one website. I still do not have proper access to my account via their website. Therefore I can't used my card and can't review my statement or balance.Sometime everything went through, but most time I was left to call them to process my payment. They begin to add late payment to my credit report unless I setup auto draft. 
This is the only thing effecting my credit and denied my access to purchasing a home.
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/XXXX I paid my synchrony bank credit card off in it's entirety in an over-the-phone payment. {$2100.00} was taken directly from my checking account that day. The customer service representative then acknowledged it wasn't my fault that my account was past due, and she was going to refund my checking account the {$270.00} over payment ( {$16.00} interest/ {$250.00} late fees ) that shouldn't have ever been tacked on in the first place, the only reason I never made a payment is because they told me I would have no payment due until I received every piece of furniture from that order, which I did not, no statement or account information ever came to my address on file. I had to reach out to them to get my account information and pay my balance. 

About 2 weeks later in early XXXX I received a letter in the mail from Synchrony Bank stating my account had a {$0.00} balance. ( I had requested this letter for XXXX XXXX XXXX XXXX to do a rapid rescore on my credit so I could purchase a home for my family ) On XX/XX/XXXX my Synchrony account was re-charged the difference amount of {$1800.00}. Instead of refunding my personal checking account the {$270.00} as promised, the representative recharged the credit card the difference even though I already paid it completely off. 

My wife and I have both talked to countless reps and supervisors from Synchrony, all of which are no help. They apologize and send it to investigations promising that it will be cleared up, but it never is. Each time we call back they have NO recollection of who we are or what the problem is.It 's now been nearly 5 months, my synchrony account is showing delinquent on my credit report, my score has dropped a HUNDRED POINTS due to this mess. It ruined our ability to buy a home for our children. We both spend hours and hours trying to call and resolve this, we have faxed in our bank statements PROVING the {$2100.00} left our checking account and never returned, we have sent registered mail, they REFUSE to help us. 

PLEASE help us get the {$1800.00} fraudulent, erroneous charge + any fees they may tack on removed from this Synchrony account and get our {$270.00} in fees and interest returned to our checking as promised, and make them fix my credit score they single-handedly ruined.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX XXXX, XXXX
Consumer complaint received 2020-06-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (FL)

Since the beginning of 2020 Shellpoint Mortgage Servicing has been charging me with hazard and flood insurance for the property that already is protected under a blanket policy. I have sent them, and they also told me that they have received the proper paperwork stating that the property is fully insured, yet they continue to charge me extra fees. Because I am automatic billing through my bank, ( I have been paying every month on time ), each month they have been tacking on LATE FEES and now my account is in delinquency. ALSO ... i have recently checked my credit score, and it has negatively affected it. Recently dropped from XXXX to XXXX directly related to this incident. I have spent at least a total of 20 hours either on hold with different departments and/or different supervisors. Even there own employees admitted that the wait time is excessive to get a customer service representative was unacceptable. 
All of this has been going on since the beginning of the year, but most recently i have calling them at least 2 times per week for the past 4 weeks with no resolution. My CREDIT SCORE has been adversely affected, and this MUST STOP NOW!!
Consumer complaint received 2020-06-01
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. (KY)

I am submitting this dispute because Experian credit bureau has violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ). This organization has received my letters requesting that they validate debts that are in question on my credit report. They responded and stated that those debts are accurate information. I disagree completely. I have also exercised my right to request their methods of verification just as the law states and they have continued to violate the law by not providing their methods of verification information within the allowed time frame. 

" As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher ; '' Copies of correspondence and certified mail time stamps are attached to this complaint.
Consumer complaint received 2020-06-01
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: ID Analytics, Inc. (OH)

There are inquiries on my account that I did not I intitate. Someone have stolen my identity. These inquiries needs to be removed immediately. The FCRA requires all inquiries to be removed if the creditors and credit bureaus doesnt have proof. Not only the creditors, the bureaus as well. Please remove all inquiries that have no proof or I will sue you all for assisting in fraud and identity theft.
Consumer complaint received 2018-08-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (UT)

In XXXX on XXXX, I purchased a vehicle from a dealership called XXXX XXXX in XXXX XXXX, California. I was given a fraudulent XXXX report on the vehicle which stated that it had been previously been in a minor accident, but no major damages had occurred and that everything on the vehicle was fixed. Shortly after during a routine maintenance check with my local mechanic, I was informed that there is in fact damage to the car and that it had never been repaired which I had to pay to fix due to safety concerns. A few months later, I started receiving tickets/parking violations in the mail which occurred in XXXX totaling well over {$300.00}. I have spoken with the county and stated that I did not own the vehicle at this time and attempted to speak to the dealership as well to get this issue resolved. From the beginning, with the fake car fax report and the tickets they refused to be of any assistance and were completely vulgar and disrespectful. I have been told that that is not their problem, that I should have known better, and worse yet to " XXXX XXXX  ''. They have stopped accepted any form of communication and responding to any calls or emails when attempting to speak to a manager to get this issue resolved. I am currently receiving debt collection agency notices for the tickets that have been unpaid due to their actions and my credit history is at risk of being affected by this. I have mailed proof of when I purchased this vehicle and really need assistance on how to get this resolved, not just for the situation at hand that I am dealing with but so that it never happens again to someone else. There have been numerous other complaints filed against the dealership from other individuals in the past as well, I just unfortunately did not do as much research as I should have prior to purchasing my car from them.
Consumer complaint received 2020-06-01
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. (WA)

The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX I went to a XXXX where they have a atm machine for navy fcu I made a deposit after that that was the last time I had my card in my possession navy fcu denied fraud claim several times and I did not have my card or use my account for the charges they have on the account there is disparate treatment in this matter for unauthorized charges close to XXXX and this is beyond a financial hardship they are not m charges and now there is a domino affect of fees and nsf fees because the funds were stolen from my account
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I received a letter from an office for collection addressed as XXXX XXXX XXXX XXXX. The letter was dated as XXXX XX/XX/2020. I sent a letter to the office of collection disputing the validity of the debt on or about XXXX XX/XX/2020. On or about XXXX XX/XX/2020, I received another letter from a different office for collection addressed as XXXX for the same debt that was addressed in the collection letter from XXXX XXXX. The second letter was dated as XXXX XX/XX/2020.
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ascendium Education Group (TX)

After reviewing XXXX  credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated information.
Consumer complaint received 2023-09-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (AL)

On XX/XX/23, my vehicle was repossessed during pre-dawn hours due to being 1.5 months behind on payments. I called the company that morning to find out what I needed to do to get the vehicle back and established a promise to pay by Saturday, XX/XX/23. However I was able to make the payment early and bring my account to current on XX/XX/23, during a call made at XXXX XXXX. Please note the times listed since they serve as proof that I have done as I was told. I call the number I was given by Westlake Financial, a company called XXXX XXXX XXXX ( ARS ) who was responsible for the repossession. I call this company and they say that they have not received a release from Westlake Financial. I call Westlake back, and after MULTIPLE calls back and forth between Westlake and XXXX, they say that I must wait 24-48 hours for it to go through. So I waited, and now XX/XX/23 XXXX XXXX, XXXX has STILL NOT received a release authorization from Westlake. XXXX tells me to call Westlake, its now been over 48 hours and they still havent released it and it shouldnt take this long. I call Westlake AGAIN, and they tell me that no, a release form was just authorized today and it wouldnt be until MONDAY that I could try again. It honestly feels like they are scamming me and NO ONE CAN TELL ME WHERE MY VEHICLE IS EVEN THOUGH MY ACCOUNT WAS BROUGHT TO CURRENT! And now all they keep doing is telling me " a release has been sent to XXXX XXXX XXXX '' and every time I do, XXXX tells me they NEVER received a release authorization. Westlake and XXXX have me going around in circles for a vehicle I have already paid them for. I have already lost days of work and could possibly lose more, which in turn, believe me, Westlake will be the last bill I'll be catching up on since they'll just take it from me no matter what I do. I mean honestly, how many other companies will repo for being late 1.5 months? I genuinely don't know, since I've never had a vehicle repossessed before.
Consumer complaint received 2018-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LendKey Technologies, Inc. (PA)

I consolidated my private loans ( some from under-grad, some from graduate school ) in XX/XX/XXXXas the payments from each institution ( XXXX XXXX and XXXX XXXX ) were too high for me to pay. I consolidated with a reputable local credit union. After a few months my loan was transferred to XXXX. At this time I was paying interest and principal, about {$260.00} a month on a {$58000.00} loan. I was seeing the principal decrease, as I was accurately paying on time when I could and memorizing the balance every month. In XX/XX/XXXX my loan was then transferred to LendKey, at the time I still owed about {$38000.00}. Lendkey then upped my payments to about {$1000.00} or more a month. They would no work with my on lowering my payment, and would only offer me forbearance after forbearance which at the time was my only option as I couldn't afford the payment. I naively stopped checking my balance accurately as they only accept checks and payments over the phone. The process to pay online is absolutely ridiculous and extremely difficult to understand, they also charge you a percentage on your payment. My co-signer noticed that the loan was showing up well over {$60000.00} unpaid on her credit report, which is completely inaccurate as I have been paying now for over 5 years. When I called LendKey to discuss, they said they couldn't answer the question and I had to email them. I emailed them and got no response. Now they are claiming I am passed due and my amount still owed is almost 10,000 more than what I originally consolidated for. I tried to contact my original lenders ( XXXX XXXX, XXXX XXXX   and XXXX ) to check my initial loans, but I was not successful. I am hoping you can help me with this issue. I feel like companies like Lendkey pray on young adults just starting out as they know that they can get away with it. Any resolution would be appreciated.
Consumer complaint received 2018-08-07
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. (TX)

XXXX XXXX will not move inaccurate info that the other company have also ftc violation and police violations sent hpd and fair credit act XXXX had the never to say my police reports were fame whey dont they call me and we can go up there together and ask the police department if they were real!!! i'll pay for the trip to XXXX but if they are real i get all the pain suffering and lost income and i get to file XXXX insurance policy hippa violaiton XXXX experian are using unfairl pratices to ftc vilation and fair credit report act an hippa
Consumer complaint received 2020-06-01
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. (CA)

Costco switched from XXXX XXXX to Costco Anywhere Visa by Citibank in 2016. During the time that this occurred, I moved, I never received the new card and I never wanted the credit card. The Costco membership was charged to the credit  card without my permission. Both the charge, late fees that were incurred and the interest on those charges and late fees was on the card for months without my knowledge. 

When I found out that this occurred, I called both Citibank and XXXX to get the issue resolved. They promised me that they would refund the charge, the late fees and interest and then close the account. They also promised me that it will not negatively affect my credit score. 

They refunded the charge, the late fees and interest and failed to close the account and proceeded to re-charge me everything for a total of {$83.00}. This has caused major damage to my credit score which was at over XXXX and now is at XXXX. According to my credit report dated XXXX ; Citibank is still reporting this derogatory footnote as a charge off. I was never notified and I only found this out when I went to apply for a refinance loan for my mortgage. 

I attempted to call Citibank, but agent couldn't help me and blind transferred me to a " Specialist '' which ended up to be a voicemail box of someone who's office is closed. 

I attempted to call Costco and the automated phone system automatically transfers me back to Citibank.

Citicard Account Number Ending in XXXX ( I do not know the account number since I never received the card ). 
XXXX XXXX XXXX XXXX, AZ XXXX XXXX
Consumer complaint received 2023-10-31
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: CITIBANK, N.A. (CA)

i am victim of identity theft with XXXX XXXX breach, i have filled out forms with FBI XXXX and I have included those documents to support I have to clear out all of these inquiries with these companies these inquiries are unauthorized and I demand them to be deleted and erased ASAP as they are violation unauthorized and unlawful violation to consumer rights