davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
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. (FL)

Improper use of credit file, I have no knowledge or any contract agreement with XXXX XXXX XXXX and has requested verification of this account. 

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (TX)

The first time my card was declined they said my auto repair company was on a high alert list which was false.

The second time they said it was fraud and I sent 2 fax with my id and current address. I explained to them the request was odd since I have 4 accounts with them in perfect standing and I e had them for years and never had this issue. They said thats not there problem and Im blocked from a very important purchase.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (AZ)

Tried to deposit money in my XXXX account their atm was full. I went to PNC bank a co-op of XXXX. On XX/XX/year> I deposited {$200.00} in XXXX dollar denominations. The atm took my money told me to contact my financial institution. A PNC worker was there at the time told me they had no access to their PNC atm. XX/XX/year> called XXXX filed a report for {$200.00}. They closed the report XX/XX/year> saying their was no electronic receipt on their end and they can not access another banks atm, makes sense. XX/XX/year> i call PNC support, they also told me they have access over their atms to go back to the atm branch. XX/XX/year>. Back at the branch talk to the same employee, again he reiterates they have no control and the manager was not there. He also told me their was no number for who does, to call customer support which i'd already done.
Consumer complaint received 2016-07-28
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: KEYCORP (FL)

I had filed a complaint against Key Bank XXXX XXXX Ohio. I sent it to The Federal reserve. They said to contact this branch. We have a boat we are trying to sell, We had a deposit on it in XXXX, we tried numerous times to contact them. We where behind XXXX or two months on payments, they would call us, but trying to get to someone who knew what was suppose to be done is clueless. The sale fell through, the buyer did n't want to wait any longer. We had it sold for {$28000.00}. Well now we have someone else gave the broker a deposit, he offered XXXX. Again with this bank, the buyer wants to get a title they say it takes XXXX90 days for the funds to clear. We are near losing this sale. We have lost our farm and instead of having the bank take the boat back we are trying to make payments. Well now that we filed a complaint against the bank a women who 's name is XXXX, said she would not talk to us, whatever they are going to do will be in writing. Is this ridiculous or what, this is why this country is in the shape it is in. So what do we do now, the bank, will not talk to us, the buyer wants to buy the boat. I have never in my life dealt with a stupid bank, none of the departments knows what the other is doing. What so I guess we wait and loose another sale. All the buyer wants is a bill of sale. In XXXX or 10 days. I thought this would be done, but since I contacted this agency and XXXX they will not talk to us. I want someone to know we are not wealthy but just would like someone in that bank make it right. So now we wait till a different department sends us a letter and we have no idea how long that will take. The bank did ok a short sale on this boat, but as I said it took the lose of XXXX sale and maybe the loss of another.
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

Ive contacted this company NUMEROUS times over the past several months as well as XXXX recently as of XX/XX/XXXX with no response or resolution still and it 's almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times. I did finally receive paperwork bearing back in XX/XX/XXXX signature HOWEVER as FTC laws state Your company AGAIN did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. therefore this has to be deleted. I have AGAIN pulled my credit report for the month of XX/XX/XXXX and the debt has STILL not been updated. This is the second time in almost a year I 've requested this to be corrected with the SAME result.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with was never late! I have had exceptional payment history witH cXXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports _____________________________________________________________________________________
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (PA)

This company has been allowed to post dept on my credit profile XXXX years and Ive file complaints about with the credit report agencies but nothing is being done to rectify the situation and it this continues to negatively impact my credit score. Ive never been involved or done business with this company!
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (FL)

I have had XXXX XXXX ( Credit Protection through American Express ) for years but decided to cancel on XXXX/XXXX/2017. On XXXX/XXXX/2017, I experience a complete theft of my identity that includes Social Security #, Name, Address, Phone #, All current Credit Card Numbers and personal data attached ( but not the Credit Card Security Codes on the card ). I find this highly suspicious given that I am careful with my information and it was a complete theft of my identity across multiple credit card companies. I alerted XXXX who tried to encourage me to re-enroll in their service. While I do n't believe this is an organized tactic by XXXX, I believe their data has been compromised and they would not take my concerns seriously ( since I canceled my account ). The credit report information that they and the credit agencies have access to is the only place I can think of where this information is readily available in XXXX location, to be stolen all at once.
Consumer complaint received 2017-03-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MI)

i dont know where all this debt came from i dont own that much of money i know i own debt but that 's too much And these keep reporting to my credit know when i try to get credit card they denied me because of that. i am trying to build up my credit score
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (MD)

these inquiries were unauthorized and Im a victim of identity theft. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2016-05-25
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IN)

We had a home equity line of credit for 5 years that expired in XXXX 2016, with a balloon payment due of {$240000.00} which we received a letter in the mail a week before the expiry date telling us that our payment was due. I immediately went to see my local bank and he could not help us, because we were a member of private banking and he could not even see our information. So, he then gave us a name for a loan officer, which we called when we got home and sent him all our paperwork, he then determined that we would not be eligible for a mortgage because my husband had a year before that lost his job with the company he had been with for 30 years, because the company moved back to XXXX. My husband was working, but only making half the money, so he suggested that if we pay our car loan, we would qualify for pre approval. We took our savings and paid the loan, and called him after it was paid, he then said the loan had been sent to collections and he could not help us. I then went back to my local bank and asked to speak with another loan officer and after one week, she called us back saying she also could not help us, we had to contact collections. I have spoke to maybe XXXX different people, gone to our local bank 3 times, spoke with a lady from the executive office once and she also said she could not help us and had no interest in helping, I called her supervisor and we did not receive a call back. Before this happened, our credit was very good and we had missed 1 payment, which was a few days late, in the whole 5 years of this loan. Because of all this fooling around, they have reported us to the credit bureau as late and this has taken a bad hit on our credit. They now do not want to give us another loan and offered to possibly have a second look and see if we qualified for the hardship remodification loan and he said it 's not sure we will get it, you have to be under a certain salary, we can pay our payments, my husband is making good money, that is not the problem and i told this to the bank. We did not realize going into this at 5 years, we would have to pay back the whole {$240000.00} we were not made aware of this, oh it was probably in the fine print of the contract, but i do n't understand that jargon and relied on the loan officer at the time to tell me this and he failed to do so. We are not faced with a foreclosure and need help immediately. Please help!
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC (LA)

On XXXX XXXX, 2016, I remitted mortgage payment on-line in the amount of {$5000.00} due XXXX XXXX. On XXXX XXXX, the loancompany CMC Funding had not posted my payment. I called in and inquired and they said they were behind with mail and processing due to XXXX holiday. I verified with my bank, that the payment was received electronically by CMC Funding on XX/XX/2016. I opened up a written complaint with CMC funding asking for verification that payment was posted and that I was not charged extra interest due to their late posting. I filed another written complaint on XXXX ticket # XXXX and still have not received a response. I called the XXXX number today, XX/XX/2016 and inquired of the status. The woman listened to part of my concern and then she hung up on me and has not called me back.
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have had {$4000.00} in direct deposits on my account this week. 
XXXX XXXX XXXX XXXX My account has a hold on it for XXXX for a check I deposited XX/XX/XXXX. I filed a complaint regarding their banking error. A rep from USAA called me on XX/XX/2016 informed me that they do not accept XXXX party checks, the check would likely be returned back to the issuing bank and another XXXX would be taken from account. My complaint was the same, I never received a deposit of XXXX for this check a second time. I told the person i 'll let it be worked out with with my cfpb complaint. 
they have now put a fraud alert on my account. I can not access my funds to my account at all. I can not use my debit card, I can not pay my bills, I can not go into a bank to withdraw funds, I can not transfer money to another account I can not have the bank wire me money. I feel they have done this in retaliation to my complaint. there was no fraud on my account, the check I deposited belongs to my sister, that lives with me who lost her id. she endorsed the check and I endorsed it and deposited it. the check has not been reported as stolen or anything by the issuing bank. 
I have a mortgage to pay. I have a light bill to pay. if they reverse this deposit-i never received a XXXX time I still have XXXX in my account. If they fix their error I have XXXX in my account. either way I have money available to pay my light bill but they wo n't allow me to do so. so my lights are going to be cut off. I also have travel for work on sunday and no access to my funds to pay for a required business trip.
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Ditech mortgage company lost a wire transfer that was suppose to pay off my mortgage loan. The wire was sent on XXXX XXXX and it cleared on the XXXX of XXXX, however Ditech has no record of the payoff or wire transfer. Multiple times, Ditech has been contacted by both myself and the escrow closer but they were less than helpful and no one knew anything. They have no record of previous phone calls or conversations. They were suppose to investigate this matter almost a month ago but has done nothing. When I received a mortgage bill, I contacted escrow and my realtor right away. I am still getting mortgage statements when I have sold the property almost 2 months ago. Ditech needs to find the missing wire transfer and payoff my account. They lie to me on the phone multiple times and I feel they are theives.
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (GA)

First thing first they have a account on my credit report twice for the same amount and then telling me that it is valid without validating the debt. The company has been permanently closed and no longer in business and they are trying to collect a bogus debt. Rent Recovery for the amount of XXXX is listed on my XXXX account twice and they are telling me that it is legal. I contacted an attorney yesterday and if it is not corrected and fixed I am going to sue to the fullest extent of the law. I will not stop until it is corrected and fixed. I will be contacting the attorney general and the federal trade commission this has caused me so much stress and they fail to address it or correct it. How is reporting something twice for the same amount legal when I do no owe anything. I want it investigated and deleted this is not the law.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

We paid monthly mortgage in XXXX installments ( XXXX payment every 2 weeks ). It was sent directly from our checking account XXXX biz days prior to due date. 
Worked great until XXXX 2016. At that time, DiTech began to send us past due notices, as their computer system was not recognizing the second payment. Despite the fact we paid mortgage plus an additional ~ {$400.00} to principle, late fees were added every month. Then Collections agencies started calling and showing up at our door. Our home was threatened with foreclosure. And yet, we had never missed a payment nor had a late payment. DiTech continues to harass us for this same issue month after month, despite many many calls to their Customer Service. Each call confirms that DiTech has received our payment on time and promises corrective action in their systems! But yet, the cycle starts again the next month. Unbelievable!
Consumer complaint received 2016-05-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE SOLUTIONS OF COLORADO (MO)

My husband and I are in the middle of hopefully closing on a home through Mortgage Solutions of Colorado , Llc. This process has been the most emotional and XXXX experience of our lives. The company started out on the wrong foot by waiting until two days before closing to look at our file, then sent us through hoops to prove things like a debit card reissuance in XXXX or proof of XXXX in XXXX. The company even went so far as to say we needed adoption papers for my husband 's name change when he was adopted at age XXXX. They claimed our marriage was not filed with the state even though we provided the marriage license to them. Every time they asked for something new, we gave it back to them immediately or the next morning. Those things would have been minor had they all been sent in the beginning. However, we are now XXXX days past our original closing date, and the company refuses to issue us the final closing papers due to a spelling error for which they have an amendment and a copy of the title of the home verifying the correct spelling of the home 's address. Not to mention the fact that when the loan estimates and closing disclosures were issued we specifically asked if the misspelling would cause a delay, but we were assured it would not. The company has deliberately been delaying our closing in the hopes that we will or the seller will back out of the deal. Honestly, I feel like our XXXX names have been the cause, and I plan to bring attention to this type of practice.
Consumer complaint received 2024-10-03
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. (AZ)

I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has severely impacted my reputation, and I need your help. Your mishandling of my report has left me in a difficult position, and the incorrect information has caused significant harm to my reputation. You need to remove these inaccuracies from my credit report.
Consumer complaint received 2024-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Mohela is my service provider for my student loans. They transitioned my account to their new platform mid-XXXX and was told the transition was complete XX/XX/XXXX. None of my account information or settings transitioned. My auto pay information was gone so my interest rate reduction was gone and was being charged a higher interest rate. My account was put into paid ahead status so that my over payments went toward future payments instead of being paid all at once. My pending payment was distributed incorrectly and so my interest wasn't paid that month for one of my loans. And my interest during the transition period was posted as principle to the new account. I have been calling, emailing, and sending forms consistently since XX/XX/XXXX and have only been jerked around, given conflicting information, or given due dates that come and go by the months. I wait on hold for over an hour each call to be on the phone for potentially hours for someone to say there is nothing they can do to just, try back another day. I'm truly at my wits end and don't know what to do but every month I'm still paying for Mohelas mistakes.
Consumer complaint received 2016-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Convergent Resources, Inc. (NE)

I changed cell phone companies in XXXX XXXX from XXXX XXXX to XXXX. I had asked a XXXX XXXX representative about any outstanding bills prior to changing my account. He said the bill would be transferred to XXXX and would appear on my XXXX bill. 
I changed telephone companies and heard no word from XXXX XXXX until XXXX XXXX, XXXX in the form of a letter from a debt collection agency. I have never had a late or missed bill with XXXX XXXX after being a customer for 10 years. I think it is wrong that I did not receive any type of notice stating I had an outstanding balance prior to being sent to a collection agency. I would like to confirm that this does not show up on my credit report and ensure this does not happen to other people. This is wrong and affects your livelihood. 
Thank you for your time.