davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be updated.

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. 


XXXX EXPERIAN XXXX 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 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Greetings, My wife and I are so pleased that XXXX XXXX is now the Director of the CFPB. XXXX was a great Congressman for us in South Carolina and we know he will work hard to ensure the American People 's business is not compromised by these reporting companies that report so much inaccurate information on consumers. Our Credit Statements are terribly inaccurate! We have been trying to reach the credit reporting agencies to dispute the large number of inquiries that we didn't do with NO success as well as understand the many delinquent accounts on our credit that we know nothing about. All of our credit cards are up to date and our payment histories. This is having a huge barrier on our ability to purchase another home. PLEASE HELP!
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Initially I filed claim # XXXX. I initially stated that this company reported my information to the credit bureaus but after careful review another company under the name XXXX ( XXXX XXXX XXXX ) reported something similar. However, XXXX XXXX XXXX sent me a letter on XX/XX/XXXX for I debt they claim I owe of {$1800.00} and they stated the original creditor was XXXX XXXX XXXX. On XX/XX/XXXX I sent a letter back stating that their debt had been disputed and that they are to provide me with proof of any contractual agreement I have with them to pay them any debt. They responded back on XX/XX/XXXX with a letter simply stating I owe {$1800.00} on account number XXXX but with no information on the procedure used to determine the accuracy and completeness of the information. I am not familiar with the original creditor and don't recall ever having any services done from them. I sent a letter out today on XX/XX/XXXX requesting 1. The procedure used to determine the accuracy and completeness of the information 2. A copy of any viable evidence bearing my signature showing the account is being reported accurately XXXX XXXX XXXX stated in response to my initial claim that they don't have to provide proof bearing my signature that I have an obligation to pay them. Do they expect someone to pay a debt they claim is owed without any proof? If you can not validate this debt you must request that all credit reporting agencies delete the entry. If XXXX XXXX XXXX went about obtaining my information in a non legal manner then they my be in violation of HIPPA laws as well as FCRA and FDCPA.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (IL)

I received two AmEx prepaid cards as a gift recently. Card number XXXX with a balance of {$150.00} and card number XXXX with a balance of {$200.00}. I attempted to use these cards to pay a bill in amounts equal to the value stored on the two cards and the transaction was declined because the merchant first authorized the card for {$0.00} each leaving the available balance short by XXXX XXXX each. 

I called customer service and asked if they could temporarily add a XXXX to each card so that my transaction would go through and they said that was not possible. They then asked me to reduce my transaction amount by XXXX cent - which would have worked but that would have let AmEx keep XXXX cent on each card - multiply that by millions of cards sold and that's a tidy little profit that AmEx is fraudulently pocketing at the expense of gift card holders.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX provides me with my Fico Score based on information that is provided by TransUnion, Under what is affecting my score it states the following : What's hurting Presence of derogatory public record or collection Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally riskier to lenders. Demonstrating a good payment history on existing accounts is a best practice. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. 

I don't have any of the above so I contacted TransUnion and received a copy of my credit report, no derogatory public record or collection, i called TransUnion and they confirmed none of the above are on my report, I contacted XXXX and they state I need to call TransUnion, TransUnion says to call XXXX, I even called Fico and they told me that I need to call trans Union, I want to get to the bottom of what is being reported and hurting my credit score
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I applied through XXXX XXXX of XX/XX/XXXXfor a personal loan. I understand XXXX XXXX shops for the best loan offer with outside Lenders. I received an email from XXXX and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that XXXX  and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from XXXX or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed XXXX  sent 7 emails to me, dated from XX/XX/XXXX to XX/XX/XXXX. It was on XX/XX/XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from XXXX. I contacted XXXX   and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XX/XX/XXXX. The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I applied through XXXX XXXX ofXX/XX/XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside Lenders. I received an email from XXXX and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that XXXX and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from XXXX or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed XXXX  sent 7 emails to me, dated from XX/XX/XXXX to XX/XX/XXXX. It was on XX/XX/XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from XXXX. I contacted XXXX and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XX/XX/XXXX The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Greetings, My wife and I are so pleased that XXXX XXXX is now the Director of the CFPB. XXXX was a great Congressman for us in South Carolina and we know he will work hard to ensure the American People 's business is not compromised by these reporting companies that report so much inaccurate information on consumers. Our Credit Statements are terribly inaccurate! We have been trying to reach the credit reporting agencies to dispute the large number of inquiries that we didn't do with NO success as well as understand the many delinquent accounts on our credit that we know nothing about. All of our credit cards are up to date and our payment histories. This is having a huge barrier on our ability to purchase another home. PLEASE HELP!
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (MD)

The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Received a Demand for Payment letter from the above company on XX/XX/XXXX for a NJ toll violation dated XX/XX/XXXX for {$29.00} on our current motor vehicle tag. 
Called XXXX XXXX who confirmed that there was no outstanding violation and that the collection agency was not one which they use. 
Called the collection agency to query. They tried to ask for all our personal details and when we pushed back with the information provided by XXXX XXXX and indicated that they were committing fraud, they cut the call.
Consumer complaint received 2018-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

On XX/XX/18 an extra payment of {$200.00} was submitted online towards my unsubsidized direct loan. With the payment was written directions to aliquot that payment as an extra payment and not a future payment to any of the loans. When my auto payment was made, the amount paid towards that loan was not the agreed upon scheduled amount of {$28.00}. Instead a total of {$6.00} was paid, {$2.00} towards the principal and {$4.00} towards the interest. When I emailed them to get this corrected they just sent me directions on how to set up auto pay. I already have auto pay in place. I called, waited on hold for 45 min with out talking to a rep. This occurs every time I make an extra payment. This means I am paying more interest on this loan because of this. Naviet is not here to help us pay off our student loans, they are XXXX  us every chance they get. In addition, I see the amount gets subtracted from my bank account, and then is not actually posted to my account for days after, and then gets back dated in the Navient history to match when the money was withdrawn to my account. I do not know if that interest occurred during that time of not showing the posted payment because they don't show when interest is added. I just manually figure it out each month, when I subtract what has been paid by the amount that was there last month. My balance on Navient does not match the balance amount on NSLDS ( National Student Loan Data System ). My naviet account shows I owe {$16000.00} and my NSLDS shows a balance of {$16000.00}. Why is there a discrepancy?
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (SC)

I do not have a contract with Franklin Collection Service. I am not liable for this collection due to not having a signed contract with Franklin Collection Service. I am not responsible for this debt. Please remove from XXXX, XXXX and XXXX  credit reports.
Consumer complaint received 2018-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I have been in the process of trying to repair my home for a month now. With current regulations the mortgage company holds all funds from the insurance company to make the repairs. During this process I have been told daily that the funds would be released to my account so that I can pay the contractors. I am now 3 business days past the original date I was told. The company is unresponsive and gives the same answer but offers no solution and will not follow up on their word. Dovenmuehle has been in possession of the insurance check for two weeks now and has yet to release a dime. I have completed all paper work and they have stated that the funds should have been available to me.

I have called multiple times and I get the same answer that they will be available tomorrow but it never happens. I am beginning to believe the company is fraudulent and I am being scammed out of $ XXXX in home repairs. I am now paying contractors out of pocket and will be negative in all my accounts causing more headache and fee 's all because this company does not care about the consumer/customer and has taken an excessive amount of time in completing the simplest of tasks. The LOSS DRAFT DEPARTMENT should be investigated.
Consumer complaint received 2018-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (NY)

I finally paid off my perkins loan through ACS in 2017. ACS sent me an email that my tax form is available online only. I go to sign in to retrieve the form and I learn that ACS is now managed by Conduent. 

Every time I try to sign in it says the site is currently unavailable for the past month. So I try to reset password and it says I do not have an account there. Then I try to register and it says I have an account already. 

I try to call their customer care center and it is just an automated service with only ONE option - to hear your account summary. But they can not find the account. 

I try to email them, but it just says " Thank you for your feedback '' and no response for weeks. 

I want my tax form for this loan I finally paid off! Please help.
Consumer complaint received 2018-03-09
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: Experian Information Solutions Inc. (NY)

this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit -  Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account Original Creditor XXXX XXXX XXXX - Original Amount {$440.00} Comments
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MD)

A check of the amount of {$1500.00} was endorsed to me and i went to my local Wells Fargo branch on XX/XX/2018 and deposited it into the ATM. I thoroughly checked the security details of this check with a black light and tried to smudge the ink on the check with water. Everything checked out perfectly.The full amount of the check went on to clear into my account on XX/XX/2018. I went into the same branch and withdrew {$1300.00} of the money. On XX/XX/2018 the check was returned as a fraudulent check. 
Had Wells Fargo waited the three days to clear this check, as they have every other transaction i have ever made with them, this situation would have never arouse. 
I have spent countless hours at the branch, where they told me it was not fraud, so they refused to even start a claim. I have finally gotten through to a manager, over their customer service line named " XXXX '' and had a lengthy discussion with him about why the money was ever credited to me within 24 hours and how poor the customer service has been, so far. The biggest issue I can see is I am clearly NOT the only person their bad banking is effecting, considering it is on countless national news headlines. My life has personally been debilitated by this fraudulent check scam. And it seems as Wells Fargo does not care about me, or any of their other customers. I only hope to resolve this issue as soon as possible, close my account, find a new bank, and warn everyone I know of the way Wells Fargo conducts their " business. ''
Consumer complaint received 2018-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (TN)

I filed a complaint with customer relations : XXXX yesterday on XX/XX/2018 I requested a cease and desist on my account and the CSR stated that it would be put through. 
I have received three phone calls from workers ( XXXX and XXXX ) from the XXXX office. They have called from their personal numbers : XXXX on XX/XX/18 I returned the first call and the collector answered " Hello '' instead of the Security finance greeting that they state when you call the actual office XXXX On XX/XX/18 I have received two calls from the following cellphone numbers XXXX missed call XXXX / returned call XXXX : pm I missed the call and called the number back Woman on the phone was real nasty with me stating that she didn't call me and that I must have missed dialed. This was the same woman from security finance. she stated that I should " pay my bill then '' the second call came from XXXX missed XXXX am / returned call XXXX another woman on the phone laughed and was very rude stating they are going to submit my account for wage garnishment. They are rude to me whenever they call or I make a payment and I will not stand for it.
Consumer complaint received 2018-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

I am going to start by saying that it is disheartening to me that in order to receive any sort of response or corrective action from my Mortgage company I need to file a complaint with the CFPB. 
XXXX, XXXX and XXXX of 2017 I was approved for a modification from my mortgage company and at that time they locked my account so I couldn't make a payment online. I needed to mail in checks. My modification was approved in XXXX of 2017 and back to normal in XXXX of 2017 since then I have had no online access. Each time I attempt to access my account I get user name or password incorrect. I have changed both numerous times. 

I called Freedom maybe in XXXX of 2017 to find out why this was happening and the person I spoke with said they would delete my account and I would have to re-activate it, which I did and that still didn't work. I asked her if I could talk with their tech department and I was told " we don't have one ". I tried again in XXXX, no luck and in XXXX still no luck so I called back and this time I was told they were going to open a ticket with the tech department. ( I knew they had one! this just goes to show much misinformation is given to customers when calling Freedom ) It is now XX/XX/XXXX I still can not access my account online and when I call to check the status they say we see a ticket open with our tech department keep trying. 

I honestly feel that Freedom mortgage makes a living off of unfair and deceptive practices and skirts the rules because they deal with FHA loans. I truly and honestly feel that they are in violation of UDAAP. Most people who have an FHA have had or are having money issues and are at the mercy of Freedom. Freedom is notoriously wrong to providing misinformation to customers and gets away with it. I in fact almost lost my house because of misinformation and the response I received was " we apologize for the misinformation ''
Consumer complaint received 2018-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (MN)

Pacific Union is now refusing to accept my payments due a returned check. They will no longer allow me to pay online or by phone or through my bank with bill pay. As a result of the returned payments my mortgage fell behind 2 months and they stated they were going to begin the foreclosure process, sent someone to my house twice to post notes on my door and the last one was on my property taking photographs. They knew I was attempting to pay my mortgage but went ahead anyway. I find their business practices unethical and threatening. When I realized my payments were being rejected I called them and I was told that due to the returned check that for the next 6 months they will only accept payment via certified check or through XXXX XXXX in which I'm forced to pay extra fees. The associate on the phone was unhelpful and rude. I bank online so not only it this extremely inconvenient it also costly and very stressful. As a mortgage lender PCU has a fiduciary duty to it clients and needs to hold itself to that standard.