davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (OH)

XXXX XXXX, 2015 between XXXX-XXXX., I had got off work that morning and went to Key Bank in XXXX , Ohio to meet my Sister and Brother at XXXX. to discuss an outstanding loan debt with a loan officer. I was running about 5 minutes late, but when I arrived there, we were denied entry into the Key Bank located XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Ohio. They were only allowing XXXX in to do business. I felt that I was being discriminated against and could not understand why I was being treated that way. I have been a customer of this bank for years and I too was not allowed entry, we were literally locked out. I am an XXXX female who just wanted to talk with someone in the bank concerning modification of a loan. I was told to " go to another bank, on XXXX XXXX in XXXX XXXX talk with that Loan officer, who happens to be XXXX XXXX too. It was quite embarrassing. Though ... .after about 45 minutes, standing outside, witnessing XXXX police cruisers pulling in and them letting all the white customers out, my brother and sister and I were finally allowed entry. We asked why " we were not allow in but the XXXX customers were,? '' the Relationship Manager on duty, XXXX XXXX said, " because their system was down. '' That 's what explanation she gave us, which could n't be true, seeing that the white customers had no problem gaining entry and transacting their business. It was n't fair that me, my sister and brother were denied that opportunity.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (IA)

I sold my home and paid off my mortgage to Roundpoint Mortgage Servicing Corporation via wire transfer on XXXX/XXXX/16. I called them on that day to give them my new address and verify when my escrow balance and mortgage overpayment would be released. I was told by " XXXX '' it would be sent in 20 days. I called again on XXXX and talked to " XXXX '' and was told a check had not been issued yet and that it could take up to 60 days. I requested and was told it would be expidited. I still have not received a check. Why are they allowed to hold my funds for that long when they received a wire transfer on the date of closing? If I am late on a payment I am charged a late fee. Why is Roundpoint not penalized ( and me compensated ) for their failure to pay ME promptly?
Consumer complaint received 2016-08-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Federal Cash Advance, LLC of Oklahoma (TX)

I had to borrow money from a payday loan-title loan from Cash Max to get my car repaired, because my credit was n't good enough to borrow from a bank or financial institution. I just want to know how they can charge the fees they charge each month. I can only pay {$300.00} a month, and {$270.00} goes to fees. I have been paying on this loan since XXXX 2016, and I have only been able to pay a couple XXXX dollars on the principle. The original loan was for {$3100.00}. I am sending you a copy of the XXXX payment for you to research. I do n't know if there is anything you can do to help me, but I have paid {$2400.00} toward the {$3100.00} original loan, and you can see what I still owe. These companies are ridiculous. I borrowed the money from Cash Max, but the actual lender is XXXX out of XXXX, OK.
Consumer complaint received 2016-08-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (SC)

We received an escrow analysis showing our payment was going up significantly. The taxes were wrong. Our local tax office updated everything to show a considerably less estimate of taxes due and we faxed to Roundpoint per their request five weeks ago. We were told it would take XXXX10 business days to receive an updated analysis and have our payments on track. It has been three weeks since this update would have been " due ''. We have spent countless afternoons on the phone with Roundpoint 's customer service trying to figure out what is going on and every time we are transferred to a new person or they keep us on hold for a very long time forcing us to give up. This last call the customer service rep laughed at me because I told her I 'm tired of waisting so much of my life on this and they told us it would be completed three weeks ago. We are a family of XXXX and can not afford the payment they calculated that is WRONG.
Consumer complaint received 2015-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

A few months ago, I noticed that Enhance Recovery had added a XXXX debt to my credit report. I called them and told them it was not mine, aftera few days they removed it. They told me it was a mistake. I then called XXXX and told them that I never had their service they then told me that I needed to file a Police Report. I told them that I was very busy working that I would not have time to file a police report but if I did I would. This morning, the same item showed up again on my credit report. They did not send me any notices it just showed up again. At this point I do not know what to do with them.
Consumer complaint received 2016-08-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (VA)

I borrowed {$300.00} from XXXX, also known as Castle Payday Loans. I have made several payments to them that totals close to XXXX. When I tried to go on the Website to pay the full amount, they would immediately take the website down. There trying to make me pay XXXX for {$300.00}.
Consumer complaint received 2015-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

CItizens Bank NA was the defendant in a Class Action Lawsuit several years ago https : //www.citizensoverdraftsettlement.com/The short story on the case is : Citizens was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " XXXX Party '' collection agency ( XXXX XXXX XXXX XXXX ) who now appears on all XXXX of my credit reports.
Consumer complaint received 2016-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (GA)

This company, ENHANCED RECOVERY COMPANY ( ERC XXXX was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Consumer complaint received 2016-12-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Williams & Fudge, Inc (CA)

I Do not know of Williams and fudge collections with a student loan amount from XXXX university. I do not know Williams and fudge and requesting to be removed as it 's reporting to the CB and negatively affecting me
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I had XXXX XXXX XXXX XXXX XXXX account that were opened XX/XX/XXXX paid off and closed XX/XX/XXXX. I had a very good history with the credit union in paying my accounts. At this time Experian Reporting Agency is reporting my account negative. I reached out to one of the Representative at Experian and they stated they were working on my investigation. I call back 2 weeks later and the Customer Service Representative stated that the investigations were completed and I will receive a copy of the report in the mail. I reached out and ask her about the XXXX XXXX XXXX XXXX accounts and she stated that they were removed from my reports. Around about 4 days later I received my reports and the XXXX XXXX XXXX XXXX account were still reporting negative.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

My credit card from XXXX ( Account number XXXX XXXX XXXX XXXX ) was stolen in XXXX 2011 and reported to the police. I have the police report. I have contacted XXXX and submitted several documents, including the police report and statements from me and my wife, and they have refused to delete the negative information from their records and from Experian. XXXX XXXX and XXXX deleted the information, but Experian will not delete it without XXXX " signing off '' on it. Please help! I 've been trying to get this straightened out for over a year now.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I have an account with XXXX XXXX, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. i called sent emails and contacted the company and I 'm not getting any positive responses. i have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-01-05
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Marlette Funding, LLC (LA)

I received a loan offer from Best Egg ... I was only interested due to the No origination fee offer ... I completed the application process and then noticed the disclosure of a XXXX charge for a origination fee..I called the XXXX service center in XXXX XXXX and was told..sorry we cant help you ... I then spoke to the supervisor on duty who offered no explanation. I feel that this is very deceptive.practice.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KY)

I am divorced from XXXX as recorded on XXXX XXXX, 2013 in the XXXX XXXX XXXX XXXX, KY. As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I received my credit report from Experian. I have proven that the company Experian tells customers that they conduct these sophisticated investigations that they require so much time to complete. They even have the gall to send out letters informing customers via mail they they need additional 15 days to do some research. In XXXX specific case they need the customer on the phone to be able to confirm the customer 's identity, so this company lies to customers. I want all references off the credit report that would make the line of credit 7 years or more. Every citation to XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. The FCRA required that only " Accurate, Timely and Relevant information be on a personal credit report, so that decisions can be made on credit worthiness can be made. '' ( Paraphrase ) I expect this done without delay nor excuse. All these items are out of date and need to be removed. In addition all school loans were consolidated at 3 % under President Obama 's XXXX program. I only have to pay XXXX payments under income sensitivity I already received the first XXXX payment free. XXXX XXXX
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I used the Experian site to receive my credit report for {$1.00} as advertised on the site, but without my being aware of it the company also signed me up for a credit report monitoring service with a monthly fee, and I did not realize it until I saw an additional charge of {$21.00} on my credit card the following month. The company did cancel the " subscription '' after I contacted them, but they refuse to refund the {$21.00} fee.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I am filing a complaint against XXXX XXXX XXXX ( MCM ) due to their failure to validate a debt and refund payments I made under the assumption that the debt was valid. 

Details of the Complaint : On XX/XX/year>, I sent a letter via certified mail to XXXX XXXX XXXX  requesting validation of a debt that they claimed I owed. In this letter, I also asked for proof that this information had been sent to me prior to being added to my credit report. 
Despite the certified mail, as of XX/XX/year>, I have received no response from XXXX XXXX  Management. 

On XX/XX/year>, I sent a second letter via certified mail, reiterating my request for validation of the debt and requesting a refund of all payments I had made. I made these payments under the assumption that the debt was mine, but I now require validation to confirm this. 

To date, XXXX XXXX XXXX has failed to respond to either of my letters.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Experian credit report, which I have no knowledge of. Specifically, the item is for a collection agency ( XXXX XXXX XXXX ), a collection for XXXX. I do not recall having any open account with XXXX at the time and, in fact, I was studying outside of the country during that year and the previous year. Further, I have never received a bill for this and the account is marked as " Paid '' on the credit report. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Experian report showing the derogatory item. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-11-03
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Ad Astra Recovery Services Inc (LA)

To clarify the debit card that I XXXX process for the month of XXXX was not obtained on XXXX XXXX, 2015. I XXXX received XXXX loans in the amount of {$350.00} from XXXX XXXX in the month of XXXX 2015. The dates of the month of XXXX are the XXXX 2015 and XXXX of 2015. And both of these loans in the amount of {$350.00} was settled in the amount of {$400.00} on the XXXX and XXXX of the month of XXXX. I have not received a loan on XXXX XXXX. I have faxed Ad Astra Recovery a copy of my bank statements to vertify. What i am writing to you hoping tha this will clear all this up this time. Even for the month of XXXX I have not received a loan the XXXX of XXXX it was the XXXX of XXXX 2015. I stated " here are patterns of my bank statements the way I was paying my loans. '' Paying all them the sameday not days after. My bank statements can contest to that so what more proof i need. That 's all i have to show is my statements.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Why is getting TransUnion to investigate something impossible? This is my 4th request sent certifeid. I do n't know why I must spend so many countless hours on this. It feels like they are n't even actaully reading my letters. 

I do not wish to file a lawsuit. 

See attached.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting again the removal of said account below ; as per the furnisher who first reported this debt to you. Because you have FAIL to properly investigate this case, I have taken it upon myself to work with the furnisher and we have come to an agreement about this account which I am no longer the SUBJECT of nor did I own the account. You are reporting to the public that I owe a debt or owed a debt which is not true and I will take immediate legal/civil action if this is not removed from my account. 


Again, I have come to an agreement with the Furnisher and because we have found the account not belonging to me and is inaccurate, I am demanding for it to be removed from my credit file. 

I have attached the letter from the furnisher of this account. 

XXXX Card ( XXXX )
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Public Record DetailsReference Number XXXXDate Filed XXXX XXXX, 2014Date XXXX XXXX, XXXXStatus PaidAmount $ XXXXClassification LienType Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX happened while I was going through a mortgage modification with XXXX XXXX XXXX. I had called them up to correct this error, since it was their error, my taxes are part of my mortgage payment, but XXXX forgot to make payment for XXXX months. I did n't even know about this error, and only found out about it when it showed up on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Over the past two years, I 've used a short term loan product from XXXX on 3 different occassions. In every instance, they 've incorrectly reported the accounts on my Transunion credit report. I 've disputed the accounts and had minor corrections made ( usually changing " open '' to " closed '' ) but the account keep being re-reported incorrectly. Recently, I received a report and saw XXXX closed accounts again reporting as open with balances and a large drop in my credit score. I want these accounts reported correctly or removed. This company 's business already skirts being legal and I would definitely call them predatory but to damage their customers credit so that their options continue to be limited is unacceptable. Here are XXXX example accounts with the problems noted and screen shots from their own web site showing the errors. 

1. ) Loan for {$800.00} opened on XXXX/XXXX/XXXX. Paid in full and closed on XXXX/XXXX/XXXX. Reports on my Transunion report as opened on XXXX/XXXX/XXXX with a high balance of {$1000.00}. Last payment listed as XX/XX/XXXX (?! ). Listed as open with a balance of {$330.00}. Last reported/updated on XXXX/XXXX/XXXX XXXX. ) Loan for {$600.00} opened on XXXX/XXXX/XXXX. Paid in full and closed on XXXX/XXXX/XXXX. Listed on Transunion as open with balance of {$480.00} and last payment on XXXX/XXXX/XXXX. Information last updated/reported on XXXX/XXXX/XXXX.
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX mortgage is reporting to all bureaus of delinquency. I contacted XXXX and disputed the matter and it was removed. Transunion is NOT showing a late payment and also XXXX failed to remove the error. The charts that reveals the monthly payments are green and paid as agreed but yet, XXXX is still reporting to the other XXXX transunion and XXXX as delinquent. 

Transunion is also reporting my age of first credit to be at 6yrs 3mths which is false
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are XXXX inquires on my credit file that are not mines i have submit paper work and called and still havent recieved proper document. I have noticed that name is mine but the social security number and other personal information are not mines im jut trying to get the inquires deleted from my file.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a report of XXXX hard inquiries reflected on my XXXX XXXX reporting of my transunion credit report. There should only be XXXX : XXXX of the inquiries were made on the same date, and were made to obtain an auto loan ( had I know the car dealership was going to do that, I would not have authorized the inquiries ). According to all the credit scoring information out there for consumers, these should only show up as a single hit to my credit score, but they 're not. They 're showing up as XXXX. I tried asking the lenders for a letter of deletion, as I was instructed to by transunion, but the lenders refused, saying that to do so would be illegal.I have asked transunion to remedy the problem, and was directed to ASK THE LENDERS FOR LETTERS OF DELETION THAT THEY WILL NOT PROVIDE. The scoring model that XXXX uses is the XXXX model, and XXXX will not fix the problem either, directing me back to transunion. Meanwhile, I 'm trying to get a mortgage and can not pull my score up by those XXXX, very necessary, points. I feel as though I 'm being held hostage by this process and have no remedy except to sue somebody, an that wo n't solve the problem quickly enough to help me secure the mortgage I need to get my family into a very reasonably priced home.