davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OK)

On XXXX/XXXX/15 my bank sent an electronic mortgage payment to Greentree Servicing for {$1500.00}, ( confirmation # XXXX ) since I had forgotten that the payment had just gone up due to escrow, on XXXX/XXXX/15 I had the bank send the remainder of the payment {$23.00} ( confirmation # XXXX ). For a total of {$1500.00} which is what my payment is. ( This payment was for XX/XX/XXXX, I was a little behind ) The payment shows up on my account when I log into my account on GT 's website, but they have not yet applied it. I 've talked to XXXX different people and they 've all told me, they see the problem and will fix it. I 've also sent XXXX emails to them and all I get back is a letter saying they will look into it. Instead, on XXXX/XXXX/15 I receive a " Notice of Default '' that my XX/XX/XXXX payment is now 60 days late and I have 30 days to catch it up. I think they did this on purpose to throw my account into Default. It should not take 30 days to credit my payment, as of this date XXXX/XXXX/15 it still has not been applied. I 'm still getting rude, harrassing phone calls telling me my XX/XX/XXXX arrangements are not acceptable. They 've sent a guy to my house to collect, which I refuse to give to him, since I do n't if he 's truely from there or not. I did n't have any arrangements and the payment was made 30 days ago, just needs to be applied to the principle, interest and escrow. I do n't understand why it is taking over 30 days to apply it. I always have my bank make the payment electronically and it shows up on my account the same day I make it. One lady told me, it was n't going to the right division, which does n't make since if it shows up on my account, they are obviously recieving the payment. I want this payment applied to my XX/XX/XXXX payment like it 's supposed to be and the " notice of default '' rescinded. As I was NOT 60 days behind when the notice was sent. Yes I do owe for XX/XX/XXXX still, but that only makes me 30 days behind and they do n't send out notices unless it 's 60 days behind. However, I 'm afraid to send them anymore money until I know it 's going to be credited to my account in a timely manner. They see the payment there, why ca n't they apply it. Not to mention, they 're reporting to my credit that I 'm 60 days late, which is clearly not the case. Tired of their incompetence and harrassment.
Consumer complaint received 2015-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Southern Management Systems Inc. (TX)

Southern Management Systems holds a debt from a previous landlord in XXXX, TX. Due to this open collections, I am unable to rent an apartment. Although I disputed the validity of the debt ( I was tricked into signing a year lease in addition to the summer lease although they knew it was a great possibility of me relocating due to my employment ) with the apartment complex, their corporate office, and Southern Management Systems no resolution was met. The apartments charged me outrageous late fees and other fees although I had vacated the premises, provided notice, and paid out through the XX/XX/XXXX lease. I recently called Southern Management Systems and inquired for a fax and email address for their office manager because he would not return my phone calls. They refused to provide one. When the office manager finally called me, I inquired as to how to make a payment. He stated am I paying the full amount and I said no. He inquired about the remainder of the balance, I told him it was none of his business. He then stated he would not accept any amount from except the full balance or 80 % of the balance paid in one lump sum. He refused to provide ANY information on how to send a payment in. I find it interesting that the collection agency wo n't accept any amount to be paid towards the debt, and feel if they do n't want any of the money then I should n't be responsible for any of the debt ( although I was tricked into the debt in the first place ), and that the open collections should be removed from my credit report. Southern Management Systems is unprofessional and use negative tactics with debtors. Some form of action needs to be taken against this collection agency.
Consumer complaint received 2024-10-17
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. (MO)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Formal Demand for Clarification of Negative Reporting Deadline Dear XXXX XXXX XXXX, XXXX, XXXX, Experian This is a formal demand for information regarding my account. I require confirmation of the exact date by which you are legally permitted to report this account negatively on my credit file. As you are aware, continued reporting beyond the lawful period may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Failure to provide this information promptly will leave me no choice but to explore all available legal remedies to protect my rights. I expect a written response with the requested details within 10 business days of receiving this letter. Portfolio recovery is being deceitful and not reported on credit file removal date. Assignment to collections does not restart XXXX  year reporting window. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Sir or Madam : I am writing to dispute the following information in my file. I pasted the dispute below. 
I am requesting that the item be removed or explained with evidence of an actual debt owed to correct the information. This debt of {$100.00} is not unknown to me but also seems unlikely as I have insurance for many years. Please provide the date of service and any information you may have as this debt seems erroneous. 
Please reinvestigate this matter and delete or provide evidence that the disputed item is valid as soon as possible.
Consumer complaint received 2015-07-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OR)

I had a credit card first from XXXX who sold it to XXXX XXXX. I disputed the charges and told them I did n't owe that much. The next thing I knew they went out of business and XXXX took it over. I disputed it to XXXX, then midland funding took it over I disputed it to them. I tried everything to get them to understand but it did n't matter how many times I talked to them they continually ignored what I tried to tell them. I asked for an account of all the purchases that were made from them all so I could see why they were charging me so much but was refused by all. midland funding promised to send it but instead filed a suit against me in court. This was after they promised to send me copies but never did. I sent certified and registered letters to them and was told they had 30 days to respond but, they never did. In XX/XX/XXXX I received papers from the court. I was told I needed to file an answer. I filed it and was told it would go to arbitration. They said I would here from the lawyer chosen within a couple weeks and that I would have a date for arbitration by XXXX XXXX. I did not hear from him until XXXX XXXX and he gave me 2 days to send him the money. ( {$500.00} ) During that wait time I received a couple more letters from midlands lawyer that I did not understand but had no more money for another lawyer and thought I would see them in arbitration. I then received notice that I had lost and there would be no arbitration shortly after I send the money. When I sent the money I told him the day he picked was fine and that I just needed a time so I could let my work no. I received a letter ( copy ) saying that I stated the date was not good for me which, was a lie. That was after not hearing from him in the time I was told I would. I believe he had already made up his mind before he sent me the letter to send him money. I never dreamed I would be denied arbitration. The lawyer that drew up the answer asked again for a list of purchases and told me if they did n't produce them then they could n't win. They did an end run on me to keep from producing them. I have been literally sick from all of this it is like talking to a wall with these guys. I t seems as all they see is dollar signs.
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/2024 I moved from XXXX to XXXX XXXXXXXX. My funds were at Truist Bank which does not have branches in XXXX. When I tried to transfer funds from Truist to a XXXX XXXX XXXX XXXX in XXXX my transfer request was denied as the bank claimed I did not provide them with a XXXX address. I tried to do so at a branch in XXXX which the tellers would not do because there was no banker at the branch that day ( Sat, XX/XX/2024 ). Neither would the tellers accept my safe deposit keys. I explained I was leaving XXXX the next day, I called Truist customer service line and was told they could not assist me. I was on the phone the entire day. 
I have an on-line account and after reaching XXXX and setting up an XXXX XXXX XXXX account I attempted to transfer funds. My attempts were denied as Truist claimed I did not have a XXXX address and they could not change my address over the phone or on line as they could not verify it was me making the claims. They insisted I had to go to a branch and verify my identity. The nearest Truist branch is in XXXX  and almost 100 miles away. They can access my accounts using the information I provide over the phone why can't they change the address? I am a senior citizen and do not have the where with all to travel to XXXX. I need help to rectify these situations. 
The funds are mine and I should be able to transfer them. I do not want the safety deposit box keys, but am not going back to XXXX to turn them in. I am caught in a catch 22. I e-mail the CEO at Truist to complain about the behavior of the tellers at the XXXX branch when I tried to turn in my keys but have received no respose even after I ask for one.
Consumer complaint received 2015-12-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I applied for a Macy 's store card in XXXX 2015. The card was mailed to my home address and before the card reached me, it was stolen and someone made fraudulent purchases worth XXXX of dollars on my account. I have been following up with Macy 's for the last 8 months, provided them information on the case filed, the investigator 's name and contact and the name of the person responsible for the identity theft and yet Macy 's has not taken any corrective action. Every time I call the customer service, I spend XXXX XXXX on hold only to hear their standard reply that the case is pending investigation and will take 60-90 days to resolve. Despite all of this, Macy 's went ahead and reported the transactions to the Credit bureaus and my credit history is ruined. I want the fraudulent charges to be taken off my credit report URGENTLY as I 'm applying for a new apartment lease on XXXX XXXX 2015. The leasing company is going to run a credit check before they approve my application.
Consumer complaint received 2015-07-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Genesis Lending (NJ)

Just received information about the lawsuit filed against XXXX Colleges to repay the loans that students took out based on their illegal predatory lending partners. I took out a private loan via Genesis Lending when I went to XXXX XXXX in XXXX XXXX, New Jersey. The post-graduation hiring rates were vastly lower than expected, most of my classmates actually went on to work in different fields than that which they studied at XXXX. The " teacher '' must have had little to no teaching credentials seeing as the in class book work was rarely done properly. At the end of my program, expecting to receive more assistance than I did from the career services department, it took me months to get hired at all, and I spent the first month of employment working at an location who had no previous affiliation with the school and whose method of operation was horrendous. I was hired at my current location based on a recommendation by a previous classmate. This location had an affiliation with the school and offered a loan repayment incentive for all graduates of XXXX. Career services, however, did not mention that I had to be hired before graduation and also did n't push me to see this employer before graduating. I did not receive this loan repayment incentive and am now having trouble paying this loan back while I 'm also paying back my federal loans. I am being harassed continually by their collectors. My phone rings at least 3 times on a slow day with them calling me. They have called me at work and at all kinds of obscene hours, both too early and too late in the day. I have tried to reach out to a loan forgiveness program when I heard that a classmate of mind received information on reducing her private loan debt, but the information was a dead end. I feel that XXXX did not hold up their end of the bargain and fed me to the sharks with this private loan. I have been out of school since 2013 and paying back my loan since then and yet have only started to make a dent in the principal balance I borrowed. I have been paying them interest, emptying my pockets to line theirs and have been digging myself deeper into debt. I would like some retribution.
Consumer complaint received 2015-07-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a fraudulent {$250.00} charge applied to my account on XX/XX/XXXX. The name on the transaction was XXXX. I disputed the charge with Capital One and they agreed to investigate. As of today I have not received any update on the dispute and it has been over 6 months. When I call or email Capital One about when I can expect a {$250.00} credit for the fraudulent charge I get no answers. I wanted to close this account XX/XX/XXXX but Capital One said that since a charge is in dispute I would not be able to close the account. Consequently, I had to pay the {$39.00} annual fee and do not even want this credit card anymore.
Consumer complaint received 2015-07-12
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (KY)

I do n't know since when American Express has such a horrible customer service, even the supervisor was terrible. I was told that American Express does n't need to be responsible for what their employee told their customers. If that 's the case, then there is no need for anyone who is from American Express and will resolve this case to read the followings. 
Here is the issue. I applied for an American Express Business Platinum card XX/XX/XXXX. I called to apply for that as I 'm not sure if I 'm eligible for the sign up bonus, which was XXXX points after {$20000.00} spending in three months. The representative told me that I 'm totally qualified for the bonus, therefore I applied and got approved. After I received the card and before I started to spend any money on the card, I called to confirm that I will receive the bonus after I spend that much, I got an affirmed answer. That call has a reference ID : XXXX. I would like to ask you to check that voice record. So XXXX American Express employee told me the same thing, I did n't expect the following to happen. After I spent {$20000.00} on my card for my business, I call to inquiry about the points, I was told I 'm not eligible. The first agent told me that I can only get bonus once lifetime. I ca n't believe that an American Express agent is so incompetent to not know their own rule. It 's not a personal card, but business card which is not subject to that same rule. So I asked to speak to a supervisor, that 's when the even more horrible thing happened. The supervisor told me that the previous XXXX agents were wrong ( in a matter of fact, all agents that I talked to were wrong, since the third agent was wrong about business card bonus rule ). She simply told me that I was not eligible for bonus, because I had card 12 days from one year before. She told me the previous agents were wrong, but she is not going to do anything about it. It seems to me that she does n't care about the customer at all! I asked to speak to her manager, she asked me to hold and she will transfer me. But after I hold for 10 minutes, she hang up on me and never call back. I have n't heard anything from American Express since.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The second item reported is the same bill. I only have XXXX XXXX bill, XXXX debt owed to XXXX for XXXX amount and yet it 's being reported twice on my credit report. I do not feel this is fair practice. It 's obvious that one is an old account and the XXXX switched collection companys
Consumer complaint received 2015-07-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

Extreme high interest and if I did n't accept the vehicle they were willing to finance they were not allowing me to finance any other vehicle at an affordable price. Now I am stuck with a brand new vehicle I honestly can not afford but desperately needed through a 6 year high interest contract.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX and XXXX  Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processing Delay : For the months of XX/XX/XXXX to XX/XX/XXXX, there was an error in the processing of my payments. Even though I submitted payments on time, they were not reflected on my account due to a delay on XXXX  XXXX 's side in processing. I have provided bank statements and payment confirmations showing the payment dates, which were before the due dates. 
Incorrect Late Payment Status : Despite timely payments, my account was marked as 30, 60, 90, and 120 days late. These entries are incorrect, as payments were made and cleared during those months. XXXX  XXXX confirmed this delay in processing and acknowledged the error in a written communication, which has been attached as supporting evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management (TX)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2024-10-17
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)

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts & collections. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts has resulted in several fraudulent collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.