davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-17
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: James E. Albertelli, P.A., a Florida professional association (FL)

On  XXXX    XXXX ,2017  my husband and I closed on a Foreclosure property with a notary at our primary home with my husband as the borrower. During the closing I stated that the   XXXX   XXXX   XXXX   XXXX   XXXX   should have been titled in both names, I was told that once I signed the mortgage note that I would be added to the new deed and title. That did not happen, the deed was received in the mail on  XXXX / XXXX /   17  and only listed my spouse. I spoke with my lender who indicated that the   XXXX   XXXX   XXXX   XXXX   XXXX   should be in both names, we attempted to contact the closing agent and was advised that any changed would need to be completed in the form of a new deed with a cost to us because the contract, title and deed must match. However, I live in Florida joint property state and do not understand why this was not explained to us prior to closing and receiving the deed and title. I am very upset that I now need to pay a second attorney fees and the same fees  to my county to corr ect a deed that the original closing attorney was paid to process and file. This does not seem correct to me because our first home has both names on the deed, title and mortgage insurance however I am on the only person covering the note.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IL)

In XXXX of this year, I closed on a mortgage for my home in Arkansas with XXXX XXXX XXXX. Shortly after the closing the mortgage was sold to AmeriHome Mortgage. I wanted to set the payment up via ACH in XXXX and was directed to their website. I completed the ACH forms and was led to believe that everything was in good order. In XXXX, I received a letter from AmeriHome that the ACH was not processed. I immediately sent in a payment via check for two months. Next, I called in immediately to get the ACH activated. I was not told why the initial ACH did not get processed and they directed me to the website again. Again, the ACH was not processed and I had to send in a check for a two month payment. During this time, AmeriHome reported to the credit bureau 's that I was late on two payments. I called in again to AmeriHome to get some answers and was told that they would submit a request to review my account. Finally, AmeriHome processed the first ACH on XX/XX/2019. I did not receive any explanation of why the ACH was not processed initially. Consequently, I have been charged with numerous late fees and my credit rating has been negatively impacted. I wrote two letters to AmeriHome in  XXXX and XXXX to review my account and report to the credit bureau 's that this was their processing error. Both times, I received a form letter stating that they " determined the information reported was accurate. '' I believe that AmeriHome is not taking responsibility for their processing error and this has negatively impacted my life. Please help.
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NE)

I was a Coinbase customer for months, during which time I transacted tens of thousands in cryptocurrency exchanges, until one day I received a message that I had violated the terms of service and my account was immediately closed. I had no way to appeal this decision, or even learn of what my alleged violation of the terms of service were. Since this immediate severance of my account, I have tried to message Coinbase to learn the reasoning for the termination of my account, and to try and lodge an appeal so that my account could be considered for reinstatement. Instead, my requests for information and appeal of their decision have gone ignored without explanation.
Consumer complaint received 2024-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc. (OR)

I got this letter in the mail and have had a {$860.00} charge to my bank that I was never aware of that would take place. 
I have a loan in the amount of {$32000.00} under my name that I was never aware of nor did I receive compensation for. 
The SST account number is : XXXX. 
Could you please contact me in regards to this and explain why I am being charged this and how to be repaid for a loan that I never took and if I have been victim of identify theft. 
Email : XXXX XXXX : XXXX.
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (HI)

I had previously filed a complaint that was close because I did not have enough information or remember any of the debt collection company names. The complaint was  under:  XXXX  and was closed last year in   XXXX   XXXX  . I went overseas to work during that time and came back home in  XXXX  of  XXXX . I still have new messages pertaining to a  XXXX   XXXX  who has had the my current home phone number. From at least  XXXX  of the year  XXXX , I have had multiple daily calls from  Penn   Credit COR  at  XXXX  and  XXXX   XXXX  at  XXXX   XXXX  about debt collection. These calls start early in the morning between  XXXX  and  XXXX . No one is usually here to answer the phone and the answering machines only stores so many messages. In the past when I was home to answer the phone, I would tell the debt  collectors t hat they had the wrong number and they would stop calling after a few days. Shortly after that, there would be a different company call, and so on and so forth. It appears that they would close the file and give it to another company, but still use the client 's last know phone number which is my current number. Since the client has a female name, I think that they think I am her and that is why they keep switching the file off to other companies. This has been happening for probably 4 years and I would like it to stop without me having to change my phone number.   thank you
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

online advertising indicated that I would get over XXXX XXXX Points when I only got XXXX. In talking to XXXX and AMEX they insist the promotion was for XXXX, however, I know I was targeted at XXXX that was the trigger for my application. I've filed a report with AMEX and with XXXX with both saying I received the points appropriately. I believe they are being deceptive in their advertising of displaying XXXX points and didn't display the landing page shown of the different tiers was not clear.
Consumer complaint received 2021-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Fleet Financial, Inc. (AZ)

On XX/XX/2021, I applied for an auto refinance with XXXX XXXX. After providing my information, I was provided quotes from various lenders. I chose to work with iLending because they provided the lowest rate of all lenders ( 3.60 % APR ). I got a call from XXXX XXXX, and as we started talking about my goal for refinancing, I was told that because of my credit score range, the rate I would get was around ~ XXXX, which is higher than the rate advertised on XXXX XXXX. I proceed to tell XXXX XXXX that advertisement of rates that arent available its a deceptive practice and a UDAAP violation. XXXX XXXX then said that none of the quotes provided by XXXX XXXX  is accurate and that iLending does not have a marketing agreement with XXXX XXXX, despite XXXX XXXX clearly doing advertising work on iLendings behalf. Upon closely examining the disclosures provided on XXXX XXXX site, the following stood out : - XXXX XXXX site states you are approved, and proceeds to provide the terms of the loan approval. A reasonable consumer will have the net impression that the terms provided is for the actual loan approval, not just a quote. Yet, upon contacting the lender, the consumer is told that information on XXXX XXXX is not accurate and a different, higher rate is quoted- Under Lender Notes, XXXX XXXX site states the interest rate quoted may be dependent on the model and year of your vehicle. If you did not enter a model year, or if you finance a different vehicle, then your interest rate may change. It clearly does not state that the rate could change because of the credit score, given that XXXX XXXX already obtained the score and shared that information with iLending. Given that XXXX ) iLending knew what my credit score was XXXX ) The vehicle year and model did not change after the application, its hard to believe that XXXX could not provide an accurate quote and prevent consumers to be misled about pricing of their loans XXXX XXXX stated that the call was recorded and therefore the information provided here can be verified by listening to the phone records.
Consumer complaint received 2021-08-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FRCA
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$240.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-09
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)

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (SC)

I have continued to request a copy of any documentation bearing my signature, showing I have a legally binding contractual obligation to pay the alleged account. I continue to get a printout of a blank statement with my name and address on it. No contract bearing my signature proving I have a contract therefore I want this account removed from all credit agencies.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that they be removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX I filed a claim with Bank of America totaling the amount of XXXX $ My claim was open and denied in 3 hours stating there was no failed pin attempts and no unusual spending activity, there was over 20 transactions and not a proper investigation was done in 3 hours. After being denied. I filed for a reconsideration 4 times. And all still have been denied. During the time these transactions took place. I was on the phone with customer service explaining I never got my card in the mail. They told me a new one would be sent. XX/XX/XXXX. I was physically in a branch trying to get a new card. My Id was verified with a passport and two letters of mail and I was told I was unable to get a card or withdraw funds or get balance information without my card coming in the mail. XX/XX/XXXX I got a card in the mail and attempted to activate just to be told there was already a card on file in use. At that point is when I found out my account was emptied. Bank of America states no failed pin attempts and no unusual spending activities happen on the account. Even tho they did not cross reference to see the card was never received by me so I was unable to set up a pin. I have called over 200 times. Filed hardships. Just for them to reconsider my claim and wait until the last day to deny it. Over and over no new information is giving to be. And my money had not been returned.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I have had some issue with my credit file reflecting inaccurate information. I am Self Employed I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   Please delete these from my file they are not accurate. My name is spelled XXXX XXXX. XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX CT XXXX, XXXX, FL XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, FL XXXX The following numbers are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (GA)

This company put a bad collection debt on my credit report. This same debt was deleted from my   XXXX    &amp;   XXXX  report because of false reporting information from a different previous collection agency that placed it as a collection on my credit report. The original creditor (  XXXX  ) doesnt even show on my report anymore because the debt is so old. I never received a debt collection notice from this company because I would have disputed it a lot sooner. This is a bad debt &amp; I want it removed from my  XXXX  report through the dispute I filed with them. They violated FDCPA laws.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I have had some issue with my credit file reflecting inaccurate information. I am XXXX XXXX I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Please delete these from my file they are not accurate. My name is spelled XXXX XXXX XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX   XXXX The following numbers are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2018-01-08
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: AES/PHEAA (FL)

Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted
Consumer complaint received 2024-01-27
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NY)

Credence Resource Management Scam XXXX. XXXX $ XXXX a consumer reporting agency shall XXXX the reporting of XXXX XXXX in the file of a consumer that the consumer identifies as information that resulted XXXX an alleged identity theft, not later than XXXX business days after the date of receipt. is been 30 days and you are in VIOLATION of this law because I am a victim of identity I Please delete these Items IMMEDIATELY!

le accounts should not be furnished on my consumer report as they are in VIOLATION!!! er, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject absection ( c ) any consumer reporting agency may furnith a consumer report under the wing circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the mer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT eport anything on my consumer report which violates my rights as a federal protected lumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2017-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NJ)

Please note : I tried contacting Selene Finance regarding my loan, in XX/XX/XXXX, and they refused to give me any information regarding my loan. The only information they gave me, was to contact the attorney that was representing me. I DO NOT have an attorney that is handling my mortgage. The only time a lawyer was handling my mortgage, was in XX/XX/XXXX when I filed for bankruptcy. The lawyer that handled my bankruptcy has disbarded himself recently in XX/XX/XXXX. I have not received any statements from Selene financing, only what I enclosed. I sent them 2 payments, in XX/XX/XXXX and XX/XX/XXXX, both payments were returned to me.
Consumer complaint received 2018-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

Navient claims I took out a XXXX XXXX XXXX XXXX account number # XXXX on XX/XX/XXXX for an original disbursement of {$30000.00} I have no record of ever taking out a student loan for that amount on that date or even close to it. 

In addition Navient claims I have been delinquent since XX/XX/XXXX but has never reached out to me either by phone, mail, or email. To make it worse it only showed up on my credit report as of XX/XX/XXXX when I had my credit pulled as part of a job. 

No one returns my calls as they send me to voice mail when I call their numbers soon as I enter in my account information. 

This lack of responsibility, mismanagement, and outright deception could cost me a high paying job that I qualified for based on the harm of negligence, incompetence, and complete fraud on their part. 

I dispute their legal right to collect on a loan that they made up and claim I owe due to fraud on their part. There is no paperwork showing I took out a student loan for that amount on that date as they just made up a loan. The loan amount, disbursement date, interest, loan balance, and the loan itself are all made up and are just lies. I ca n't believe this is happening in America and that this is even legal in any shape, way, or form.
Consumer complaint received 2021-09-09
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. (NC)

I have been following my credit report since Identity theft. They are still reporting me as delinquency on three accounts. Bad payment on four accounts Pass due XXXX I am not accountable for any of this. My bills are paid on time I have been working with Experian to correct this error for many years now they would correct it and then repeat the same error. Because of Identity theft I was sent to the fraud department and also passed along to other departments recently. I was only been late on my mortgage back in XXXX one time and one time XXXX because of my spouse death. before his passing we were never late. The bill was paid in full by the XXXX XXXX  XXXX XXXX and cleared. Hopefully that should come off my credit in a timely manner. I have tried Experian boost with a referral of communication over the phone. went online put my information in. It has been a couple of years now there still checking and have not seen my utilities bills, as shows. I do have utilities bill and they are paid on timely basis. I would not be able to function in my home, If I didn't have utilities. I have given them my information and this company tells me to reach out to them, and when I do nothing changes. Yes they sound good when there talking to you but give it time there word is unfairly not true.