davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-16
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

My house burned down, I 'm trying to get it rebuilt. I have submitted all the documents that CHFA requested and was told that it would be XXXX5 days for it to go through review. It has now been 1 month and they still have n't gotten through review. They are holding my insurance money which they said was required because they have a vested interest in my property and wanted to be sure my house was rebuilt in a timely manner. I have a contractor and everything set for the rebuild and the only thing holding it up is CHFA. So the timely manner in which they speak must apply to everyone but them. My contractor is waiting for his downpayment so he can begin the work. My question is, why does CHFA not have a time limit in which they are given to process such claims? I am a law abiding, tax paying citizen and think I deserve better from my government, whose salary I pay.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (CO)

One the week of XX/XX/2021 I made two payments of {$130.00}. and {$360.00}. The following day on XX/XX/XXXX, Discover shut off access to my card. I was never notified of this action. I only found out when I attempted to log in to my account on XX/XX/XXXX and I was not able to log in and was instructed to call customer service. The customer service agent informed me that I had to submit some paperwork from the Social Security Administration to verify my identity and that the paperwork would be processed in a few days. I received an email stating that my card was ready to use on XX/XX/XXXX. That day I attempted to use my card and it was declined. On XX/XX/XXXX I called Discover and was informed the my payments from the week of XX/XX/XXXX have not processed. Even though the money is no longer in my checking account. The agent then informed my that there is nothing they can do. So I requested that my account be closed. The agent said I would get a letter in the mail and hung up on me.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am a natural Person, I am a human being, I have rights under 15 USC 1681.

Equifax is govern by USC 1681. And they violated my rights numorous of times. I demand the accounts listed to be removed Because According to 15 USC : I have the right to privacy and i did not give Equifax written permission to furnish these Accounts Account XXXX XXXX XXXX Account Number ending XXXX XXXX XXXX XXXX Account Number ending XXXXXXXX XXXX XXXX XXXX  Account Number ending XXXX
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX added an extended 7 year fraud alert on my credit file. In their letter, XXXX wrote it would contact TransUnion about the extended fraud alert. I did not receive a notification from TransUnion. Thus, I faxed the letter from XXXX to TransUnion. Again, I received no response on the matter from TransUnion.
Consumer complaint received 2023-07-27
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXXXXXX 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 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 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 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 2023-07-27
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2015-03-28
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: KEYCORP (ME)

I had a Home Equity about to go into repayment, I stopped at a branch to ask as question about if the loan would remain a fixed rate. The sales pitch began and I agreed to a loan for a larger dollar, filled out the app and supplied ALL info asked for. I received a call saying I was approved. A few days later I decided that this new loan would not be in my best interest. I called the branch and left a message for lender that I was no longer interested and I 'll just let the account go into repay. I received messages following up and I 'm sure a likely attempt to change my mind.TODAY I received a denial letter saying they regretted that after carefully considering my application they are unable to approve for these reasons ... credit application incomplete and failure to supply requested additional information. XXXX untrue, I denied them! My complaint is the impact and concern that this denial may impact my credit report and if so that needs to be corrected. I would call the Bank but want to make sure no other customers receive a denial letter when they were n't denied nor have their credit report impacted.
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX cancelled my debt and issued me a XXXX on XXXX XXXX, 2010, just after I began a debt settlement plan. Since then, they have added interest and fees to the original amount due and are continuing to report the total amount as past due to the credit reporting bureaus, even though I was issued a XXXX and paid tax on the cancelled debt over 5 years ago.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Despite several previous request in 3 credit bureaus, the particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest score, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Kindly remove the following inaccurate items : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (OH)

Seneca Mortgage has messed up our home loan since XXXX XXXX the very first month and has taken almost two years to resolve a payment dispute of XXXX payments from XXXX and XXXX XXXX when the payment XXXX up from the first month took 9 months yo review and kept getting excuses snd put off even tho called for status constantly. Was told these were in a " suspense '' account. They still have not admitted this error and despite being sent numerous bank statements and electronic transaction information from XXXX Bank as well as us, they still claim we owe this and theres always another excuse or accusing us of not sending the correct info or that they need thisbor that permisdion. Anything to not fix this or take responsibility! Especially after receiving information from the bank. They also sent emails they claimed not to send and have tried to recall emails their staff realized was sent to us instead of internally talking about us and info that was being requested!! Totally unprofessional and complete liars! Now they are claiming payments were not made from XXXX to XXXX XXXX despite thevpayments being sent priority mail. They insinuated checks were returned that were cashed also! They have misasplied and have this account so messed up and then always get different answers, they lie, and are unprofessional. It should not be this hard or long to get this resolved and documentation regarding status of this account! This is unacceptable!!!!
Consumer complaint received 2015-12-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Consultants of California (CA)

Collection Consultants. XXXX XXXX. {$170.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (IL)

I noticed on my credit report a charged off {$930.00} balance with Synchrony Bank for an XXXX card account. I called the available customer service number, gave them my Social Security number, then was told by an automated voice " we are not taking calls at this time. '' I have tried numerous times to contact the company to no avail. I do not know how I am supposed to rectify my past due debt.
Consumer complaint received 2023-07-05
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. (DE)

I submitted a letter to the Experian Credit Bureau last XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (WA)

I opened a second mortgage line of credit wth KeyBank in XXXX for {$130000.00}, which I use most of by XXXX. 
Owning my own business I was forced to shut down filing personal chapter 7 after loosing everything I had. Even though the mortgage payment was never late it was put into collections, I no longer had visual access to the balance but continued to pay it. In addition after I filed I was changed {$110.00} a year for lawyer fees which I complained about, no explanation just the overriding attitude of, ' we do what we want '. Fast forward its now XX/XX/XXXX, my house sold and pay-offs ordered. To my surprise the keybanks pay-off for the second is {$1900.00} higher then the original loan contract. For the last two days I 've been trying to get answers and no one has any, once its paid according to this department ( CFPB ) all I do is file a complaint. This is not the only problem I 've had with Keybank. When I filed I had two loans both, after I filed were changed off and sent to collections even though they were both paid as agreed and re-firmed. I now have two loans I 've been on for over 10years and even after requesting that I be allowed to see the balances the bank refused. Had I request the balance of the pay-off that was ordered by escrow I would have been at closing forced to pay it. All I can say with regard to KeyBank is watch your back.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (FL)

I move out from my apartment, I move to a different state. I terminated my lease. The apartment complex charge me early termination fees and more. The manager of the apartment sent out final bills to the wrong address, I never received a final bill from them or phone call. Years later I check my credit report and I notice a collection company trying to collect in behalf of the apartment complex. I did not denied that account is mine. They are charging me {$6600.00} dollars in termination fees and other fees. However, I have a Lease Contract Addendum that states I will only pay {$2100.00} as a early termination fee. They waived their right to charge anything else. I 've tried for a long time to get this corrected and the collection company will not call me back, i leave voice mails and no reply back. They just reported to the credit reports again XX/XX/XXXX that I still owe {$6600.00} dollars but they wont call me back. They keep damaging my credit and because of them I can not buy a house. I need them removed out of my credit. They do n't want my money then close the account and have them stop reporting negative incorrect information to my reports.
Consumer complaint received 2016-06-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

In XX/XX/XXXX my wife and I went to Huntington Bank and asked for a mortgage loan, and we were granted what we thought was a mortgage, because they took the deed as collateral, and in XX/XX/XXXX we went back to Huntington Bank to try to refinance, found out we did not have a mortgage but rather an installment, and could not refinance to a lower rate. The rate on the loan is 9.49 % Also we did borrow more money from Huntington Bank as a line of credit in XX/XX/XXXX, for a rate of 4 % abd when the line of credit was due, we did not have to money to pay it off, so they gave us a modification at a rate of 5.5 %. When we took the line of credit, we were told when it was due we could put the installment loan and the line of credit together and refinance the both of them together. When we tried to do that, the bank said we could not do that. feel we were mislead on this whole process, and we should have been able to refinance at a lower rate. Just the installment loan alone will hace cost me {$180000.00} for a {$95000.00} loan
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TN)

My Walmart store card was lost and used without my permission. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account there was an adjustment done for like XXXX and something or like XXXX and something for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my accounfter they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am. I have cooperated and done everything they asked me to do.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (HI)

The following is a letter sent to the credit card company in question. It summarizes our dilemma in attempting to resolve our problem. Even after several attempts to sever any ties with this company and to make it clear that we do not wish to possess their product they continue to send us billing notices. My wife and I are senior citizens ( XXXX & XXXX yrs ) and frankly are not as adept at dealing with such issues as perhaps we should be. We need your assistance to resolve this problem and will be greatly appreciative for any help you can provide. 



XXXX XXXX XXXX XXXX, HI XXXX Frontier Airlines Master Card XXXX, CA XXXX Dear Sir/Madam, Roughly two months ago my wife and I had the opportunity to fly from XXXX to XXXX via Frontier Airlines. During this flight we were given printed material encouraging us to obtain Frontier Airlines Master Cards. We filled out a questionnaire handout expecting to receive more information and to be able make a final formal card-in-hand activation commitment via telephone or Internet connection. 

Your company sent us a billing notice before we received your credit cards or additional information. This seemed unusual. I called your office to say that we decided not to become Frontier Airlines Master Card customers and directed that no cards be sent to us. Shortly thereafter unactivated Master Cards arrived in the mail. We took no action to activate the cards and destroyed them. Again, we were notified that we were being charged an annual fee for the cards in question. I immediately called your company and firmly stated that we had no intention of becoming Frontier Airlines Master Card customers, that we had not formally activated the cards in question, no charges had been incurred with the card, the cards had been destroyed and that we wished to be removed from any connection with the cards. I was assured that the matter would be corrected. 

We have received two mores notice that we are being charged a fee for the cards in question - even though we had never formally activated the cards, no charges had been incurred, and your assurances the issue had been resolved. As per past exchanges : ( 1 ) The cards in question have never been formally activated. ( 2 ) The cards were physically destroyed. ( 3 ) No charges have ever been made to the cards in question. ( 4 ) We have never claimed or received bonus points for the use of the cards in question or any other form of awards. 

My wife and I are senior citizens ( XXXX & XXXX yrs old ). We are retired and live a very modest lifestyle. This issue has caused us considerable stress. We have always paid legitimate bills and maintain a positive credit rating. We have attempted to positively resolve this issue, but it seems that your company insists that we pay for a service we have never used and benefits we have never received. I again respectfully request that all charges related to the cards in question be removed without negatively affecting our credit rating. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX