davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

On XX/XX/XXXX I submitted to Carrington a written request for a full disclosure as to the categories and dollar amounts for each category that were included into making up the {$41000.00} referenced in my Loan Modification Agreement. This was the amount added to our outstanding principal balance. Our principal balance was {$14000.00} ; the current balance is now {$180000.00}. I am not satisfied with the information that Carrington provided in their response dated XX/XX/XXXX. They provided me with TOTAL dollar figures for the interest and escrow balances. I want more specifics such as beginning and ending dates that comprised the {$29000.00} for accrued interest on the delinquent payments ; and what payments were made from the escrow charged in the amount of {$11000.00}. They did n't break down what was paid for insurance, taxes, etc. from the escrow account. They did n't provide me with any dates for any of the escrow payments. I feel they are being evasive as to what comprised the {$41000.00} added to our principal balance.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX - Account Number : XXXX XX/XX/XXXX Account Name : XXXX - Account Number : XXXX XX/XX/XXXX UNAUTHRORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

My problem is that I was not giving a forewarning once the limit started to decrease. They will wait until I paid the balance as of around XXXX I started paying the card down from being maxed out at the total credit limit of {$500.00} so that by XXXX it was at 30 % but by the time the credit card statement ended it it messed up the original plan as it had changed the limit from XXXX to XXXX so instead of it showing a 30 % usage it was showing more. And they did this repeatedly as I paid it down to where which now the credit limit was XXXX and I wanted to make sure it was sure no more than 30 % usage And again they changed the limit in the midst of the billing cycle so that wants to cycle was finished it show more than 30 % usage with a credit limit of {$100.00}. I wasn't given any forewarning. And this was a car that was always minimum paid and as of XXXX being managed properly. As a matter of fact as the limits began to drop I started not to use the card with more than a 30 % you should teach month and making sure it was paid down to 15 % if not to zero.which is not very much because now it's {$100.00}. My thing is that I had the XXXX XXXX managed by the same company so that my wife could do her dental work. Now that usage or the ability to pay off was not done in the matter which I understand why they decreased that limit ..... But the XXXX XXXX I don't understand as I diligently had that card paid down and them asking to please I'll show Mercy on that account. I see that the sounds account was never bothered. And I am okay with the XXXX XXXX being reduced but I'm asking since XXXX XXXX has had a better history that it please be shown some mercy... I missed my wife as an authorized user and the drops in the credit limit also affected her credit history. And again this was the car that was managed much better and if they had not messed with the limits it wouldn't have caused her score to decrease as I say they didn't change the limit after the billing cycle it was during the XXXX world which the amount pay it was expected to have a more positive outcome The following month in addition to the credit reporting.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCB Credit Serivces, Inc (FL)

I was called and told that I had won a free gift ( face cream ) by the company XXXX XXXX in XX/XX/XXXX, and all I had to pay was the shipping cost of {$4.00}. I paid the shipping cost and received the free merchandise. I received a letter dated XX/XX/XXXX saying that I owe {$170.00} for the same merchandise that I had received as a free gift. I told them that I did not want anymore of the gift item, but was told that I did n't respond in the time limit to cancel the merchandise, so I sent a money order in the amount {$170.00} which they said I owe on XX/XX/XXXX after receiving the first collection notice which was to pay in full the cost of the merchandise. I received a debt collection letter, XX/XX/XXXX and a second letter XX/XX/XXXX. The XX/XX/XXXX collection letter was sent by XXXX XXXX XXXX XXXX XXXX XXXX, and the XX/XX/XXXX collection letter was sent by CCB Credit Services. This company XXXX XXXX has been listed as a complete internet scam and the two collection agencies and XXXX are one and the same. There are other incidents listed on the internet about the company doing the same thing to other customers. I have paid the bill in full and the company should not contact me any further in regards to this matter. Company : XXXX XXXX - There is no contact number ; XXXX XXXX XXXX XXXX, XXXX. Contact info : XXXX or XXXX ; CCB Credit Services info : XXXX
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NE)

I previously filed a complaint against this mortgage company back on X/XX/17 the complaint number is XXXX on X/XX/17 we were notified by the company that our papers would be delivered to us no later than X/X/17 which they did arrive on that day. My husband then signed all the papers and had them notarized and sent them back on X/X/17. approximately on X/X/17 we received another set of papers that had a totally different amount for monthly payments and my name on the mod. papers which should not be since I am not on the loan, just my husband is. We disregarded those papers and waited for ours to be mailed back. This never happened we ended up having to call a rep again, and at first said they never received any papers until my husband said that is impossible I sent them back on XX/XX/XXXX and I have copies.. then they all of a sudden found the papers and said they would send them back in 7 business.. That never happened instead we had to contact them again and then they claimed the ones we sent back were wrong because I was n't on the first docs. ( I am not on the loan why would I be signing any of those papers ) and the payment is wrong, the original loan mod we agreed to and signed gave us a payment of {$780.00}. They want to arbitrarily change that to {$850.00}. You can understand why we are angry and upset and concerned that they are trying to take advantage of us. My Husband would also like the {$10.00} he had to pay for the notary reimbursed.
Consumer complaint received 2017-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

ATTN : SPECIALIZED LOAN SERVICING : The response packets were received. We have found irregularities and are requesting a correction for the second request in the CFPB complaint # XXXX dated XX/XX/XXXX that ask for the first time SLS sent us the note version with the XXXX XXXX XXXX endorsement, SLS replied with it being their response dated XX/XX/XXXX to our communication dated XX/XX/XXXX. This is wrong! that communication contained mortgage assistance and foreclosure forms no note or disclosure statement. We explained about the breaches and problems that had been encountered and why we felt the need for special consideration for lower rate and principle reduction as found was given to XXXX XXXX XXXX for the predatory lending of XXXX. The copy SLS kept providing had a clause allowing signature only to permit the rate reduction. WE have never accepted the first version copy or second version copy as what was signed or agreed too. Now with the found reprinting, simulations, falsification etc., There is need for investigation.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (GA)

On XX/XX/XXXX I attempted to access the payment history on my account and received a message that stated, " Please call the Bankruptcy Department at XXXX for assistance. '' On XX/XX/XXXX I called the number above and was transferred to XXXX XXXX XXXX, which is a third party company that handles all bankruptcy accounts for Ditech Financial. I spoke with XXXX XXXX xt XXXX, a representative for XXXX XXXX XXXX. XXXX XXXX informed me that my case was showing that I was still in bankruptcy. I informed XXXX XXXX that my bankruptcy had been discharged in XX/XX/XXXX. She placed me on hold and researched and found that my bankruptcy had been discharged XX/XX/XXXX. She stated that her company should not have received my account because they began handling all bankruptcy cases for Ditech Financial on XX/XX/XXXX. I asked how long would it take to remove the bankruptcy from my account. XXXX XXXX stated 3 months for Ditech to audit the account. I asked for a supervisor and was transferred to XXXX XXXX ( he did not give me a last name ). He stated that what XXXX XXXX had previously stated was true and he apologized for the inconvenience. He agreed to escalate the case and told me that he would contact the Consumer Financial Protection Bureau and file a formal complaint. My concern is that I can not contact Ditech Financial directly because my account status remains in bankruptcy and all of my calls route directly to XXXX XXXX XXXX. I am also concerned that a third party company has received my personal account information in error. Both Ditech Financial and XXXX XXXX XXXX were negligent. Ditech Financial was negligent because my account should have never been sent to XXXX XXXX XXXX. XXXX XXXX XXXX was  negligent because they never reviewed my account to see if it was in bankruptcy. XXXX XXXX told me that I can check back any time to check on the status of my account.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NC)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with AMERISOL company I believe the original creditor XXXX XXXX XXXX XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (GA)

I am a consumer who has been a victim and I know my rights. on XXXX XXXX,  2017 their were four inquires that was reported to my credit report without my consent. I have tried numerous of time to have them disputed from all three credit bureau so far I had no luck . I also submitted the request from the actually company that I have never heard of. well after 15days went by no one seem to help. I've called numerous time but no change has been made. As a consumer I have rights. the fact that I have a fraud alert on my credit report the company  still manage to run my credit without my consent. the following companies that ran my credit on the XX/XX/XXXXXX/XX/XXXXwas consumer portfolio service, inc,  XXXX, XXXX XXXX XXXX XXXX XXXX and others. It would a huge help to have these credit inquiries remove off my file that way I can have a better start in rebuilding my credit score.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (IA)

On XXXX XXXX, 2017 around XXXX XXXX to XXXX XXXX or so I was at a XXXX XXXX Drive through ATM at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. I attempted to withdraw {$80.00} from my Bluebird Debit Card ending in XXXX at this ATM. The ATM declined my transaction several times. On the first decline, it said " processing transaction '' for a long time. Then it said the transaction could not be processed. I switched to my XXXX Debit Card ending in XXXX and the ATM ate my card and the keypad did not work. I kept tapping the touchscreen and it released my card. I attempted the transaction again and it was successful on my XXXX ATM card. So the transaction was not successful with my Bluebird Debit Card but successful on my XXXX ATM Card. The problem is when I got home I was charged an {$80.00} withdrawal on both of my cards. I went into the bank around XXXX on XXXX XXXX, 2017 and I told them the issue. I also told them that Bluebird said it will take 45 days to complete the investigation. I asked them to go through the ATM footage to speed up the process. They admitted they have been having multiple issues with their ATM but due to regulations I would have to go through the disputes process with Bluebird. Bluebird completed their investigation and said they could not refund the charge because XXXX XXXX  told them the transaction was successful. I asked them for documents they used to make their decision. I want XXXX XXXX to go through their ATM footage and ATM logs so they can see the transaction never took place. <P/>I am reporting this to you because this is theft and I am considering legal action against XXXX XXXX. I am just waiting for Bluebird to send the appropriate documents. I am also writing this in an attempt to protect other consumers that use this ATM. The bank acknowledged that many customers have had issues with their ATM, yet they allow it to function and continue stealing other people 's hard earned money. This is not a vending machine stealing a quarter or two, this is an ATM stealing people 's livelihood. They need to repair this ATM and stop allowing it to function without appropriate repairs. They also need to stop defrauding consumers with this ATM. <P/>I received an update from XXXX on XX/XX/XXXX stating that I am correct that the ATM never dispensed any funds. They sent me evidence which I have attached to this email. They also said they have no records of Bluebird contacting them. So BlueBird lied to me when they said they closed the dispute after they contacted XXXX. XXXX XXXX has denied this claim by Bluebird. XXXX XXXX also agrees with me that their ATM did not dispense any funds, yet Bluebird still charged me for the withdrawal. XXXX XXXX has provided evidence which I have attached to this dispute.
Consumer complaint received 2017-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY (CO)

I am in the process of resolving all of my credit card debt. I employed XXXX XXXX XXXX to mediate the process. I make consistent monthly payments so that they can negotiate repayment of my credit card debt. On the outset, I was told American Express do not settle debt. Therefore, I am not disputing my balance with AMEX. I am willing to pay what I owe to them. <P/>I was summons to court by XXXX XXXX XXXX, XXXX. regarding the {$3200.00} past due balance I owe AMEX. My court date was XX/XX/XXXX at XXXX XXXX. I checked in with the clerk at XXXX XXXX. By XXXX I was n't I proceeded to checkin with the clerk again and was told XXXX entered a default judgment against me because I did not appear in court. That is a false statement. The ourselves did not call my name to discuss a resolution. <P/>The day prior to my court date, a arranged with AMEX or XXXX collection department to make a {$300.00} payment on-demand and recurring $ XXXX monthly installments via ACH through XX/XX/XXXX. The last debit from my bank account will be {$230.00} on XX/XX/XXXX ( confirmation # XXXX ). I called XXXX XXXX XXXX office back to 1 ) inform them of the repayment arrangement and 2 ) to verify whether a court appearance would be necessary. XXXX 's refused to verify my payment arrangement except to say they can not give legal advise. <P/>I feel deceived and harassed by XXXX XXXX XXXX. After the clerk tried to call the counsel to return because I was in fact in the courtroom on XX/XX/XXXX she would not return ; however she entered a default judgment against me. I received another summons to appear in court - a continued return date on Friday, XX/XX/XXXX at XXXX. XXXX another cost of XXXX in addition to the $ XXXX monthly installment agreement between XXXX XXXX XXXX staff and me on XX/XX/XXXX. <P/>I am willing to repay the debt I owe. I hired XXXX XXXX XXXX to assist me so that I can avoid numerous calls from creditors at my home. It is a huge inconvenience to me to travel miles to court and miss a half day of work because the collection agency refuse to verify and perform due diligence on this account in which I plan to pay AMEX the entire past due balance. The collection practices appears to be unfair, deceptive, misleading and abusive. Can someone help me with this matter? <P/>I attached documentation that refects XXXX 's deceptive abusive practices along with payments they debited from my bank account {$600.00} to-date. The statement in XXXX 1 attachment is not true. I was in the courtroom 15 minutes prior to my appointed time. The Counsel did not call for me and proceeded to file a judgment against me.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: KEYCORP (FL)

Today, XXXX XXXX, 2017 I received correspondence from Key Bank with information regarding a very old account I had with them maybe 20 years ago. <P/>Its a statement regarding a World MasterCard. I had this card and a bank account with this bank but closed it. <P/>The statement contains personal information i.e., last 4 digits of old account number and my present address. <P/>I have called Key Bank 's XXXX # to try to get them to take my name out of their system. Their response was that they knew the letters were a mistake but could n't take me out of the system unless I gave them my full SSN over the phone. I did not feel comfortable doing so. But implored them to take me out of their system for fear of identity theft on this card that no longer exists. <P/>I do not want anymore correspondence from them but NEED THEM TO TAKE ME OUT OF THEIR SYSTEM AND MAKE SURE THIS CARD NUMBER NO LONGER EXISTS!
Consumer complaint received 2017-07-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America - long time customer and small business owner with multiple accounts XX/XX/XXXX -  Went to local branch to notify them my father who I held joint accounts with passed away on XX/XX/XXXX and I wanted to start the process to take his name off joint accounts and also cash in two CDs he had and move the money into my personal account. <P/>It is now almost three months later and still not handled after MULTIPLE visits to the local branch, multiple phone calls, multiple faxes, multiple mailings of same documentation over and over again. <P/>I am the Executrix of the will. The will has been probated in the state of New Jersey. I have Short Certificates which have been given to the bank indicating the will was probated and I am the authorized representative of the estate. By the way, there is minimal amounts of money involved. <P/>XX/XX/XXXX - received a call today from the Estate department that they want a copy of the will. I refused because it is none of their business and they have the probated will documents with official raised seals from the State of New Jersey.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

I am a consumer who has been a victim and I know my rights. on XXXX XXXX, 2017 their were XXXX inquires that was reported to my credit report without my consent. I have tried numerous of time to have them disputed from all XXXX credit bureau so far I had no luck. I also submitted the request from the actually company that I have never heard of. well after 15days went by no one seem to help. I 've called numerous time but no change has been made. As a consumer I have rights. the fact that I have a fraud alert on my credit report the company still manage to run my credit without my consent. the following companies that ran my credit on the XX/XX/XXXX was XXXX XXXX XXXX XXXX, prestige, XXXX XXXX of XXXX XXXX and others. It would a huge help to have these credit inquiries remove off my file that way I can have a better start in rebuilding my credit score.