davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I just received a XXXX XXXX and I am considering refinancing. I did fall behind towards the end of my XXXX  XXXX, but I caught up when they filed a response to final claim, stating I owe {$2700.00}. Before my XXXX XXXX ended, I paid in full and I am officially discharged of all debt. XXXX weeks later I receive my next bill due on XXXX in the amount of {$2900.00} ( minus the XXXX I have already paid for my regular payment ). Now since I know 100 % Im caught up with payments because the last 2 I received were paid in full. After some digging, I have a {$500.00} attorney fee which I already paid in XXXX and a " previous lender charge '' of {$650.00} from XX/XX/2018! Sorry, but that is included in my discharge since they had multiple opportunities to add that to their proof of claim, it needs to be removed. I'd prefer not to go to court, but I will for this predatory lender. I've paid thousands extra into this plan I did not agree with-this is the last straw. They need to fix my bill to my regular payment amount as they agreed I have paid in full and a court order of discharge of all debts. The purpose of XXXX XXXX is to walk out with a clean slate not take advantage of people with fees-especially from 2018. Please help this is wrong and illegal by the Bankruptcy Code. I have not even received a response from the company. 
Thanks, XXXX
Consumer complaint received 2021-12-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, I sent via certified mail, my Affidavit of Truth which was notorized, stating I do not owe American Express any alleged debts. In my attachment are the original documents sent and my certified mail receipt. They received my affidavit and did not respond with an affidavit or any proof that I owed them a debt. They sent back billing statements which do not prove anything at all. I, XXXX XXXX, am the original creditor, only creditor, and natural person, pursuant to 15 USC 1692 A. On XX/XX/XXXX, I was served papers of a lawsuit. I am now being harassed and extorted from a private company/agent, American Express Legal , represented by XXXX XXXX XXXX XXXX for an alleged debt I have no awareness of. Once again, provide me with proof of a contract that shows that I owe American Express a debt. Not billing statements or credit applications of me extending credit to American Express, but an actual contract. If you are unable to show proof, cease and desist, and delete any alleged account of debt that you are trying to collect from me. Your actions are in direct violation of the 1974 Privacy Act and XXXX5 USC 1692E ( 3 ), 15 USC 1692E ( 4 ), and 15 USC 1692E ( 5 ). Your policies, agreements and allegiance are also in extreme violation of the Peace and Friendship Treaty of Morocco and The Treaty of the Delaware Indians. I, XXXX XXXX, hope we can solve this matter in civilized and timely fashion. Kind Regards.
Consumer complaint received 2024-08-14
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. (TX)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  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 those account 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.

( CREDITOR NAME ) 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 2024-08-14
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. (TX)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  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 those account 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.

( CREDITOR NAME ) 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 2021-09-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlas Credit Company, Inc. (TX)

I have been getting constantly harassed by the company whom goes by the name " Atlas Credit CO. , INC. ''. They've used aggressive and illegal tactics by showing up to my home and banging on the door ( a neighbor witnessed this through the peep hole ) This is a direct violation of the " Fair Debt Collection Practices Act '' section 806 Harassment or abuse.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Hello and today I noticed an account on my Experian consumer file that is currently under re-investigation. It change to charge off today without answering the earlier requests. As the amounts have been inconsistent and reporting inaccurately. As of today all of my request for evidence of the original creditor, contract, credit insurance disclosure, payment history, interest rate and pay-off disclosure have unfortunately been ignored by XXXX XXXX XXXX XXXX who appears to be be reporting inconsistent information regarding this charge off, The account number on XXXX appears differently than on Experian. The first date of delinquency reports XX/XX/2021 but the payment history reports XX/XX/2021 as current payment. The comment section appear differently further negativity affecting my creditworthiness during my financial hardship. Thank you for your attention.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Technologies, Inc. (MD)

I am distressed that you have included CREDIT TECHNOLOGIES information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have XXXXhirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXXXXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX, TransUnion, and XXXX and state that the credit companies are not complying with their own policies in a timely manner. 
I sent disputes to bureaus and collection charge off company XXXX XXXX XXXX XXXX XXXX XXXX these are the dates my letters went out and calls XXXX told me that my compliant was old but they received it and XXXX, XXXX, TransUnion have accounts back added as a reattach to my report once removed off
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IA)

I closed my home on XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX on XX/XX/XXXX. 
Homepoint Financial was my mortgage company and there was an overpayment of escrow of {$2000.00}. 
During the closing Homepoint sent the money to XXXX county IA for property taxes which was an over payment.Taxes were also paid at closing. 

I went to XXXX county to claim the funds and they told me the funds were returned to XXXX XXXX.I raised a ticket with XXXX XXXX on XX/XX/XXXX and got feedback on XX/XX/XXXX Below is the reply Thank You for your inquiry, We verified our records for parcel # XXXX refund in the amount of {$2000.00} was already received from tax office and was processed to the lender on XX/XX/XXXX, Please find the attached screen shot and you can reach out to you Mortgage company ( HOMEPOINT FINANCIAL CORPORATION ) for any additional inquires. HOMEPOINT FINANCIAL CORPORATION Please feel free to contact me with any additional questions you may have. To reach a member of our Customer Product Support Team, please email XXXX or via telephone at XXXX. 

XXXX Customer Product Support. 

I called Home point financial XX/XX/XXXX they got the escrow money but sat on it.I spoke to an agent and she stated she will escalate.Its over 40 days since I closed the home.I need Home point to overnight my refund am struggling to make ends meet and I did not expect this time frames. 

XXXX XXXX Home point Financial # XXXX Property Address XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Please accept this written request to investigate the total payoff cost of my home in the amount $ {$340000.00}. This amount is extremely high considering my original loan amount was $ {$330000.00}. I have lived in this house for 15 years and Ive never refinanced or taken any money from my equity. There is a deferred loan modification in the amount of {$97000.00} done in XXXX which was supposed to be forgiven under the President Obama Hardest Hit Program. Under the terms of this mortification, the {$97000.00} was supposed to be forgiven after three years because I was substantially under water in my home where I owed more than the house was worth. In addition, in XXXX, Carrington Mortgage was given {$50000.00} from The Home Safe Georgia Underwater Assistance program. Despite doing two modifications on this home, theres no way I owe {$11.00}, XXXX more on this home than the original purchase of {$330.00}, XXXX in XXXX. 

I contacted Carrington Mortgage on XX/XX/XXXX and they had no answers for me as to why I owed so much money on this loan. They also could not find any information concerning the {$97000.00} deferred amount that is now included in my payoff amount. Nothing was settled and I was just informed to fax them a request in writing to further investigate the matter. I faxed the request to Carrington on XX/XX/XXXX.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX assignee of First USA Bank got a default judgment through their attorneys XXXX XXXX XXXX XXXX XXXX, XXXX. in XXXX and then filed a lien against me. Their default judgement should have never happened because the service was not perfected. They served my mother at her home, which I had moved out of prior to the service. Furthermore, this debt was included in my XXXX Bankruptcy and was discharged and the lien should have been canceled. I also never had an account nor even heard of First USA Bank until I found out about this lien a month ago. Since then I have not been able to find anyone that can find this debt.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I created an account with TransUnion to lift a credit freeze on XX/XX/21. This service cost {$24.00}. Instead of this being a one-time charge as I had ordered, my credit card has been charged monthly for a subscription service that I did not authorize ( XXXX ). I just found the recurring charge and cancelled the subscription, however my complaint is that TransUnion did not make it clear that this was a subscription service and it would be a recurring charge. Please advice TransUnion to make recurring charges far more obvious for an unwary customer. I only needed a one-time service and it is frustrating to be signed up for an entire monthly service that I did not request.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (NC)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DP OF EDUC Account Number : XXXX  This is not mine.

2. Identity Theft DP OF EDUC Account Number : XXXX  This is not mine.

3. Identity Theft DP OF EDUC Account Number : XXXX  This is not mine.

4. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX EXPERIAN, are reporting an account as delinquent that are pass the seven year reporting time as allowed under Fair Credit Reporting Act. The following account should be deleted XXXX XXXX XXXX. 

According to the Fair Credit Reporting Act, Section 609 a1A, EXPERIAN are required by federal law to verify through the physical verification of the original signed consumer contract and all accounts post on a credit report.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (GA)

I accepted an offer for a balance transfer to my checking account for {$4900.00} with {$98.00} fee. This was charged to my account twice on XX/XX/XXXX. This double billing put me over my credit limit by {$5000.00}. I knew that with that showing on my account they could report it to the credit bureau which would very much impact my credit score and cause other companies to raise my interest rate. I contacted them immediately by phone. The first person indicated it would be corrected within 24 hours. It was not. I called 4 more times and each time I was given different information. The 3rd call I got a case number and told it could be 7-10 days to correct. I sent 7 emails to their secure email with none of them being read. I faxed the information providing copies of the double posting ... no response. I knew my statement would drop on the XX/XX/XXXX and it automatically goes to the credit bureau. I had to take every penny I had and pay my balance back down to the credit limit to prevent it from showing up as over my credit limit so the balance transfer hurt me much more than it helped. Now I've been informed it'll be another 25 business days before they can give me their " outcome '' decision.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (DE)

5/3 bank is potential discriminating against people based on their country of origin or service member status, by locking out online accounts based on physical location of those who are temporarily outside the United States. 

For example I am currently physically in the XXXX temporarily and am unable to log into my account due to the error message account login invalid. The only way to fix this is to call into customer service and wait 30+ minutes then be transferred to their online security team who will clear the error. After 24 hours the message will reappear and access will be blocked, even though I told 5/3 that I will remain in the XXXX until XXXX. 

Their new security process blocks online account management for service members who may be assigned to the XXXX ( note that I am *NOT* a service member ), and those of XXXX origin who are more likely to be in the XXXX and have their access blocked. While I am not of XXXX origin my future spouse is, and will be impacted by 5/3 practices when they are added to my accounts.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (OH)

So every few months I get some new collection agency putting a collection on my credit report. None of which have ever been mine. Ive tried contacting the companies and none of them have ever answered. Im only XXXX years old so none of these accounts can be mine. I have also never gotten any phone calls or emails concerning any debt owed in my name.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A fraudulent charge was made on Bank of America credit card on XX/XX/21. The card was linked to my XXXX account and I believe this was account that was hacked. I changed my password on XXXX and alerted my bank of the issue as soon I was aware of the issue, which was in mid XXXX. No additional charges have been filed. 

Bank of America reimbursed me for the fraudulent charge and sent me a new credit card.