davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
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: CL Holdings LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear JEFFERSON CAPITAL SYST, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), as well as XXXX XXXXXXXX XXXX concerning identity theft and consumer protection. 

It has come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section XXXX ( a ) ( XXXX ). 

Additionally, under XXXX  law, specifically XXXX of the XXXX  Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for JEFFERSON CAPITAL SYST to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that JEFFERSON CAPITAL SYST immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and relevant XXXX statutes, including XXXX regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and XXXX  state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that JEFFERSON CAPITAL SYST will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2024-09-26
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (NM)

-I had begun correspondence with PennyMac back in XXXX of XXXX and was working on a loan modification. I was informed by the PennyMac investigation when speaking with him back in XX/XX/XXXX that while the loan modification was being processed that this should have ceased the foreclosure process. 

-Throughout the correspondence that I was maintaining with PennyMac , I would constantly confirm receipt of items they requested for the modification process to be told that they had received them, just to be notified a couple days later that they didnt get them or they needed something else.

-The initial time that my family and I went on any kind of modification plan was back in XXXX, for when I was out of work with XXXX and then again on XXXX, when my wifes XXXX  closed due to XXXX. 

-We never received ANY notification via postage or email stating that our application for modification had been denied. Even upon speaking to PennyMac employees when I was following up to see where we were with the application, I would be told that it appeared that the documents were still being reviewed by the underwriters. On a couple occasions, I even had staff members state that sometimes the papers will get lost. 

-During this entire process, stating that XXXXnnyMac was attempting to contact me, I had to resubmit authorization letters for PennyMac to speak to my wife, even though her name is on the deed/mortgage. They claimed that they had never received anything giving her authority to speak on my behalf. 

-I spoke with Loss Mitigation on XX/XX/XXXX and was informed that the profit/loss statement for my wifes business was the final document needed, prior to the modification paperwork to go to the underwriters. 

-I will be attaching SEVERAL screenshots to support the argument that my wife and i are presenting in regards to the rebuttal and claims made by XXXX XXXX XXXX XXXX 

*The phone record screenshots have several different points were I made contact with PennyMac or Vice Versa, so I dont understand how they claim that they were unsuccessful in reaching me. Those numbers are the XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (CA)

This company kickoff was un reachable with no way to speak with live agent. I sent emails for 5 months requesting that this account be closed, instead they continued to report fraudulent trade lines on my credit report that were fictious. This company is fraud and needs to be stopped immediately.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (WI)

XXXX dropped me XXXX points over a late payment to Kikoff. Reporting late payments is illegal see FCRA. Also this was not a late payment it was a new loan with kikoff. My XXXX was supposed to raise my credit score due to my first loan being paid off with Kikoff and yet they never raised my score by over XXXX points like they were supposed to after all loans were paid off. Its was never corrected and additionally dropped me XXXX points over inaccurate info so altogether I lost over a XXXX points over inaccurate info.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO. (IN)

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 
Please verify or remove immediately the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX balance of this account is wrong.Please provide proof of the late payment and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX account information is being reported inaccurately on my report.Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (OK)

NOTICED UNAUTHORIZED INQUIRES MADE ON XXXX REPORT XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX WASNT ME I WILL BE DISPUTING THROUGH BUREU. AS WELL
Consumer complaint received 2024-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (GA)

Hi This is XXXX XXXX XXXX. My medical record XXXX with XXXX XXXX. I noticed my credit scored drop and when I checked with my bank some debit collection agency XXXX XXXX had reported for not paying bill so I called XXXX and then I called XXXX XXXX and on XX/XX/year> I paid full amount XXXX to them. But on XXXX I found out that they didnt forwarded that amount to XXXX and they were still showing balance. So I sent them proof but they said ask XXXX XXXX to send us money so I went to that web site it still showed XXXX cents as interest I paid online. When I talked to thier supervisor they said they will send money to XXXX and will send me my refund as on XX/XX/XXXX balance was fully paid so there should be no interest on XXXX balance. 
But I havent seen that refund till today and when I asked them the account statement they refused to provide me
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

My Experian account was hacked 3 weeks ago. I have lost control of the account due to the hacker changing my email and phone number. I called XX/XX/year> and my issue was escalated with no contact back at all. I called again today and spoke with disputes, fraud, and member services regarding my Experian account being hacked, and XXXX XXXX XXXX  account being opened fraudulently. They were able to unfreeze my credit ( trying to apply for a mortgage ), and suspend ( not cancel ) the XXXX XXXX  account opened fraudulently. I needed my e-mail and phone number changed back as the hacker took control, and all communications are going to him. They sent me in circles though an automated system and the issue is still not fixed and I can not log in. I am also unable to reach a live person 70 % of the time. When asked for a direct contact they said they are unable and I have to go through the automated system, that refuses to give a live operator.
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My direct deposit has not been deposited into my account. I usually get it a day early but this was not the case. I usually get my deposit Tuesdays around XXXX. I looked on twitter for any updates to see if anyone else was having the same issue and it turns out Im not the only one. Capital one stated they would have direct deposit in our accounts by 1. I called capital one myself at XXXX and asked for a time frame to which she said by the afternoon but had no exact time to give me. I then asked what would be the next step to take if it wasnt deposited by today. She said Id have to file a claim. There should be no reason not one single capital one client was not notified about this issue. It is the end of the month and that money is for bills.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Our mother owned a house in XXXX. She XXXX last year from XXXX XXXX XXXX and we are now trying to sell her home. Prior to her XXXX, she transferred title to her home to my sister and me through a XXXX XXXX Deed. 

She owned less than $ XXXX in assets and as we are the only heirs, there is no need to do a probate. 

A probate is expensive and is not required in this case because she didn't own anything. Just the house. Which she transferred to us. 

There is a mortgage on the house and we have been paying it monthly since our Mother 's XXXX. 

However, Ditech will not give us any information on the account. We are the legal heirs and legal owners of the property - and DiTech will not give us a payoff, or tell us the monthly amount to pay. We are trying to do the right thing and they won't speak to us at all. We even called after Hurricane Irma and they wouldn't give us any information on how much the monthly payment should be or if we should defer payments due to financial hardship after the Hurricane. 

We are trying to sell the house and we have sent to DiTech our Mother 's XXXX  Certificate, the XXXX XXXX Deed which transfers title to our names, and our authorization to release the payoff to our Attorney 's office. 

Ditech is saying that we are not authorized to get any information on our mother 's account. We own the house. We are her only children. And they will not give us access to our mother 's account. 

It is legally unnecessary to do a probate on our Mother 's estate - and is a financial burden to us. 

And yet, Ditech still refuses to review their regulations - they see a " one size fits all '' approach and don't realize there are individual circumstances. 

Our mother 's estate does not require a probate. We own the house. We are trying to pay them as per the Note our Mother signed - and they are not giving us the payoff information. 

They are preventing us from selling the house, providing clear title to the buyer, and paying the money due to them. 

This is obstruction. This is cruelty. This is business at it's worst. 

XXXX size does not fit all, Ditech. And someone in your organization should have a brain to figure out how to provide a payoff so that it doesn't cause your customers and their family members undue financial burdens or undue stress.
Consumer complaint received 2024-09-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (FL)

On XX/XX/XXXX my CD at BMO Harris matured and had a value of approx {$53000.00}. Website wont allow transferring CD proceeds to BMO checking account. So called BMO XXXX number on XX/XX/XXXX to ask to deposit proceeds in my checking account, but was told I could renew for 12 Mo at 4.9 %. Told them to renew. Few hours later, BMO called me; said mistake made and renew rate was 4.4 %. I ask them to honor what I was told and they refused. So told them to put proceeds into my BMO Checking acct and they said it would show up in account later that day or on XX/XX/XXXX. I wanted the proceeds as I found a bank that would pay 4.75 % on a 12 mo CD. I checked my account online on XX/XX/XXXX ; CD account was XXXX but no deposit to my checking account. Same was true on XX/XX/XXXX and on XX/XX/XXXX. Called on XX/XX/XXXX ; told them I want the $ $ in my account today. I was put on hold and then told it would not be until next business day, or six days after my CD account went to XXXX. I said that was not acceptable and insisted on talking to someone who could deposit the $ $ today. I was transferred to XXXX who said shed send an email to inquire and would call me right back but deposit would likly be next business day. No call received. At this writing BMO took the proceeds on XX/XX/XXXX and have held it for their own benefit. I have lost interest by them holding my $ plus the 12 mo Cd rate has dropped to 4.5 %. This was an intrabank transfer and should be instantaneous. BMO owes me interest for the time they are holding the proceeds and .25 % for 12 months by delaying my renewal at another bank. These people are horrible to deal with and should be investigated to determine if this how they regularly handle people with maturing CDs. XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc. (VA)

An unauthorized inquiry I received on my credit report that I did not authorize. That is fraudulent activity. 

Prosper  XXXX - XX/XX/XXXX  XXXX
Consumer complaint received 2024-09-19
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I went to Best Buy to buy a new laptop. I chose the laptop I wanted and during the checkout the representative told me that if I got the Best Buy store credit card I would get a year interest free. I had the cash to buy the laptop but I figure that I could just make monthly payments on the card and if I didnt finish paying the whole amount in the year then I would just continue making payments even if I was being charged interest after the year was over. XX/XX/XXXX the billing cycle closed I was being charged {$660.00} of accumulated interest for not paying the whole amount that I owed of the laptop. What Im complaining about is that the representative of the store never told me this in person, it was never brought up to me about this deferred interest so I didnt know of this fee otherwise I would have payed the whole thing cash or a month before the year ended I would have payed the whole amount. As of XX/XX/XXXX I owed around {$1000.00} and the next month I owed {$1600.00} so I just payed the whole amount off but I still think this whole thing is unfair.
Consumer complaint received 2024-10-09
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NV)

My loan servicing was changed to Specialized Loan Servicing. Since they have taken over I have had nothing but trouble. To start they claimed that the company they bought my loan from hadn't made my payment, so they were starting foreclosure proceedings. 
After we got that cleared up, I set up auto pay. They told me it was set up correctly, however, they didn't take the payments out and once again began foreclosure proceedings. 
Finally, they have now added an additional escrow amount that is higher than my mortgage payment, but they can't tell me where that payment went to. I checked with the tax office and my insurance company, they both said there was no {$1200.00} increase. When I confronted their representative, she first said it was going to taxes, then insurance, then it was a check coming back to me, then she said she wasn't sure where that money went. I asked to speak to her supervisor and she denied me that option. She stated she had no supervisor, that there was no one higher up the ladder than her. When I asked if she was the ceo of the company she said she did not have that information. and refused to help me further. Her Name was XXXX and her ID number was XXXX. When I told her I wasn't comfortable paying an additional {$1200.00} for something they couldn't explain she stated they would start foreclosure proceedings if i didn't pay it. I could dispute it, but I would have to write a qualified letter to do so. She wouldn't clarify what a qualified letter is.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (VA)

Someone opened a Barclays JetBlue credit card in my name. I received it in the mail and immediately called Barclays to report the fraud. They closed the account. XXXX weeks later, they send a paper letter in the mail that looked like junk mail to tell me they rejected my fraud claim. They said there were already charges on the card and I admitted to having the card in my hand. I told them I cancelled the card when it arrived at my house and at the time I cancelled it, they didn't ask me about any charges. The charges were for flights that took place thousands of mile from my house. I live in XXXX  and work in XXXX and the flights were from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They told me I would have to reopen the fraudulent account and couldn't contest over the phone. I have a series XXXX, series XXXX and have license insurance agency that all say I live in XXXX. Then when I called back with questions, it took over XXXX minutes to get a human on the phone and was cut off by their automated system multiple times and tried at least XXXX different numbers. I have since faxed them to reopen the case and provided copies of bank statements with at least XXXX charges in XXXX that took place during the fraudulent flights. They haven't responded, are impossible to reach and are not interested in discussing facts.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MD)

On XX/XX/XXXX, I got a text message about a requested verification code XXXX '' from " XXXX ''. Then a second message stated " Your Chime account is ready! Just download the app to access it : XXXX XXXX XXXXchime.comXXXX  ''. 

On XX/XX/XXXX, another message stated " The phone number associated with your Chime account has been updated to XXXX. Please contact Member Services at ( XXXX ) XXXX if you did NOT request this change. '' On XX/XX/XXXX, I called Chime at XXXX to tell that I didn't open any account with my cell phone number. I gave them my cell phone number, but they didn't want to do anything unless I gave up personal information.
Consumer complaint received 2018-08-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JH Portfolio Debt Equities, LLC (KY)

Threaten to sue, call my job for my supervisor, threaten to garnish wages and repossess my car, called all hours of the night XX/XX/2018 XXXX XXXX   collection agency jh portfolio debt equities