davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My accounts 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 to be removed/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.

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!
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

NO Options for Underwater Refinance HARP Ineligible Loans : As I completed the initial steps of the refinance process over the last few weeks, I had some uncertainty as to appraisal value of my home but thought that it was presently an ideal time to attempt refinancing as there were numerous sales in my area in the last XXXX months and at increasing prices. The actual appraisal value of my home completely shocked and disappointed me. The appraisal value indicated that I am severely underwater by almost - {$80000.00} XXXX 80 % of the appraisal value in relation to the unpaid loan amount ). Refinancing, if it happens, is going to be a hurdle because according to Wells Fargo, the least amount of cash I would need to bring to closing is approximately {$45000.00}, with private mortgage insurance ( PMI ) premium payments each month. PMI will most likely take several years before it is eliminated based on how underwater I am currently. 
I want to honor my debt with Wells Fargo but I also want take advantage of the lower interest rates. I want to remain and continue raising my family in my home in XXXX XXXX. I am employed. Thank XXXX. I have never been late on payments of any of my debts, including my mortgage. Thank XXXX. I have a very good credit rating. Thank XXXX. 
I know that I am not eligible for assistance under HARP, because my original loan is not XXXX or XXXX XXXX. I was informed that my loan was packaged and sold by Wells Fargo to XXXX and that there are no programs to assist me, although I am underwater. This fact is hard to accept because accepting this fact would lead me to believe the saying that the " nice gals finish last ''. This is a saying I am not willing to accept because I always step out on faith. I do n't think my issue is a unique one and I hope something can be done to help me refinance. 
I am writing to bring this to your attention and I am hoping to get some assistance as the window for me to refinance is closing. 
There should be some help extended to homeowners like myself who want to take advantage of the lower interest rates but can not because of having a underwater value to mortgages who are not HARP eligible because banks pooled and sold mortgages to private investors who have not done a thing to help since the housing market collapse. Some pressure should have been placed on these investors and help extended whether for HARP eligible or not.
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union refused to delete an erroneous item from my credit report even though the public court documents show that the case was disposed. XXXX & XXXX deleted the error promptly. 
They have antiquated ways of receiving supporting documents ( mail and fax only as supposed to online upload ) and their customer service is horrendous. 
Make sure you do not have anything planned on the day you call them : ). It 's going to take forever.
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (NY)

I was charged a late fee for no apparent reason on my American Express Business XXXX. I believe they changed the cycle payment date on me and they refused to refund the late fee of {$35.00}. I would be very suspicious of their practices as they have been quite aggressive in trying to get lower income Americans off their rolls.
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IL)

Gym owner offered 12 month membership for XXXX month price if paid in full at time of signing up. Signed up on XXXX/XXXX/15, owner closed business on XXXX/XXXX/15 after not paying rent since beginning of year. I disputed half the amount on my credit card since I was only able to use XXXX a years membership, owner being in breech of contract of 12 month deal. Feel deal was made deceptively, with owner knowing he would be closing within XXXX months as evidenced by realty company filing suit to have him evicted and making a settlement with hi on XXXX/XXXX/15 after many months of not paying his rent. He has now sent me to collection agency for XXXX amount of credit card dispute, which is still being investigated by credit card company. He has done this with all members that disputed any part of his membership fees on their credit cards. I can provide you with names as needed. He also sent a nasty message to my cell phone threatening that " DSG Collections will be calling you often until your new obligation of {$720.00} is paid for ''.
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (TX)

Hunter Warfield is collecting a debt i have requested validation of the debt and not received it as of yet. The letter I received from them states the client is XXXX XXXX at XXXX XXXX, I do n't owe XXXX XXXX at XXXX XXXX. 

Also the initial request was made XXXX/XXXX/2015 and follow up request made XXXX/XXXX/2015 and XXXX/XXXX/2015. I have been ignored. 

The only correspondence received from Hunter Warfield was on XXXX/XXXX/2015 stating they would investigate and remove the reporting ; however that never happenend
Consumer complaint received 2015-08-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (UT)

I spoke with company on XXXX XXXX and made arrangements to pay a payment of XXXX on that day and divide the remaining amount due on XXXX XXXX. I started receiving calls on XXXX XXXX, again. PNC Mortgage claims I broke the arrangements and took the extra money I had paid applied it to the fees. The effect of this was leaving the current house payment behind by 2 months. PNC was refusing to honor the original arrangement and refusing to allow a partial payment of amount owed.
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A name and address is wrong. I have never used the name or lived at the address. The incorrect name is XXXX, XXXX, XXXX and the incorrect address is XXXX XXXX, XXXX, XXXX. The correct name is XXXX XXXX XXXX and the correct addresses are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. Please correct this information on my credit report
Consumer complaint received 2015-12-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NV)

They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.
Consumer complaint received 2015-06-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (CA)

I was behind on my loan and BMW contacted me and said that I needed to make a payment through XXXX XXXX or my car was at risk of repossession. Their employee XXXX XXXX specifically said that once I made the payment through XXXX XXXX that they would not take any further collection activity. I made the payment as requested through XXXX payments using XXXX XXXX on XXXX XXXX and XXXX XXXX and provided my account number to XXXX XXXX using Urgent Delivery in a service that is advertised as the receiving party getting the money in minutes. On XXXX XXXX BMW repossessed my car in complete contradiction of what their collections agent told me. I have requested a detailed account history from them through certified mail and through their secure e-mail service and through their call center and they will not provide the information I am requesting. The forms they sent me during the repossession did not include the information that was required by law and the amounts listed did n't match information on statements. The frequently changed the terms giving me 20 days or 14 days to pay the balance in full or make arrangements. Their agents frequently hang up on you when you try to ask questions and they claim they are not allowed to call you back because they only accept inbound calls.
Consumer complaint received 2015-10-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I took a loan with CASH CENTRAL XXXX XXXX XXXX XXXX UT XXXX phone # XXXX and I agree to 80 % interest in the loan, but about 3 weeks ago I found out the interest they are charging is 180 % which I do not recall or understood, the loan was for {$2500.00} I already make paid over {$1400.00} and yet they have not apply anything to the principal. I need you help with steps to get this to the terms I understood agree please let me know if there is any assistance that I can get
Consumer complaint received 2015-08-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (AZ)

I, consumer, attempted to settle this debt with this original creditor by sending a settlement agreement on XXXX/XXXX/15 ( certified letter no. XXXX XXXX XXXX XXXX XXXX ). Consumer is seriously considering filing bankruptcy if debts can not be settled and removed from consumer 's credit reports. Consumer has not received a written response as of the date of this complaint.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

My home was damaged by hurricane XXXX. Wells Fargo is my mortgage company. I recently received a supplemental insurance check for {$130000.00} and Wells Fargo refuses to endorse it. My home has been repaired completely. Wells Fargo inspected the home over a year and a half ago and declared it was 100 % repaired. I have been given conflicting information by the company and do not know how to proceed. 
I have always paid my mortgage on time. 
I believe they have my account flagged as retribution for my previous complaint to the CFPB for their prior mismanagement of insurance proceeds. 
I repaired my home in good faith, invested my own money to preserve its value, and even paid my mortgage down {$50000.00} since the storm. I submitted to multiple inspections by Wells Fargo and always comply with whatever they ask.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I had a World Points MasterCard from Bank of America with a 9.99 % interest rate. At some point in time several years ago they sent a letter stating that any future purchases would be subject to a hire rate. I do n't recall the increase, but it was significant so I decided not to charge anything anymore. I had gone through a divorce and lost my job so the balance on the card was very high. It has taken me 4-5 years to pay off that balance, but my next payment will XXXX it out ( the balance due is less than {$4.00} ). About that time, 4-5 years ago, I noticed while reviewing my online statement that they listed the name, address and social security number of a man in a nearby town with the same name as me. When I called to notify them, they were horrible saying that the man with the other name must be name. I asked them if his address and social security matched what they had on file for me and they said no. I asked them who was able to see my SSN because of their carelessness. My online access to the account was immediately terminated. Fast forward to yesterday and I wanted to log back in to see how many points I had. I reached out to them and they told me I had no online banking and could n't access my statements. I told them I wanted to see my statements online and they told me I was getting paper statements and that was good enough. They also told me that they were denying me online access because my log in information was not linked to anything. I asked them if I had a balance due and they told me what it was. So I stated that I was linked to " something '' for them to be able to get that information. I asked them how many points I had and they told me I forfeited the points when the account was closed. I never closed the account, have been getting monthly statements and making payments above the minimum due for several years - so I did n't know they closed my account. The point to this is that I have accumulated a LOT of reward points that I want. They closed my account and took my points away from me without notifying me. Are they allowed to just close your account and take your points away? I want my points back as I have made every payment on time for the past 4-5 years. Bank of America really does not care about the average person.
Consumer complaint received 2015-12-06
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: ENCORE CAPITAL GROUP INC. (IL)

ASSET ACCEPTANCE , LLC & MCM FINALLY SETTLED COMPLIANT, BUT FAILED TO ADD MONETARY GAIN. I HAVE ADDED XXXX XXXX TO COMPLIANT ALONG WITH TCPA! SEE ATTACHED ) PHONE RECORDS ... .THET ARE VIOLATORS OF SEVERAL NEW CHARGES, PLEAE REVIEW!
Consumer complaint received 2015-10-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

XX/XX/XXXX modification granted. Error made where late payments added to payments. Customer Account manager told my wife and I NOT to make a payment until they corrected it. Spent every month updating modification documents. Foreclosure proceedings began. The sell date was for XX/XX/XXXX. XX/XX/XXXX the XXXX modification package was sent to Bank of America. Was told that the sale was stopped. The last notice of the sale was in the state paper on XX/XX/XXXX. XXXX requests for validation of debt has been ignored. Told on XX/XX/XXXX house sold on XX/XX/XXXX. On XX/XX/XXXX found house on site listed as REO to be sold on XXXX starting bid at {$25000.00} on XX/XX/XXXX-XX/XX/XXXX. XXXX customer service managers assigned since XX/XX/XXXX. XXXX faxes sent giving the permission for Bank of America to discuss loan with my wife. XXXX appointments scheduled for customer account manager to call to discuss account. No calls received. Sat on hold for XXXX hours for one call XXXX times. Wrong phone number given on the loan modification status web site. An extension number was never given, without extension number call would hang up on my wife. Bank of America is guilty of breaking several laws : refusal to validate debt, dual tracking of a foreclosure ( packet in more than 37 days before the sale ), not posting notice in local paper, when posted it was in a state paper not widely circulated in our area more than 10 days before the sale. We were not properly notified of the foreclosure. The attorney 's letter was received almost 1 month after XX/XX/XXXX.
Consumer complaint received 2015-10-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Chase keeps sending me physical mail ( or claims they have sent me physical mail, because obviously the delivery rate for their mail seems low ). Like anyone born after XX/XX/XXXX, I dread the notion of physical mail. This is not XX/XX/XXXX where physical mail could have been ( being generous here ) considered the best way to communicate. 

As much as I like waiting XXXX a ) week XXXX XXXX ) to receive my mail with no tracking on important matters, then finding a sharp tool to open the mail XXXX, then extract the letter while desperately trying to avoid paper XXXX, then taking out the trash so I have a place to throw the envelope, it is ultimately extremely unsafe. Whenever I get mail from Chase, I have to bring it to some kind of shredding service. 

In this modern day and age, I really do n't know who thought up that sending personally identifiable information over physical mail was a good idea.
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

DOB : XX/XX/XXXXSSN : XXXXFile # XXXXDear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Account XXXXPlease block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (TN)

Hunter Warfield Inc. ( XXXX ) calls me DAILY ( every morning/every evening ) at my home phone seeking a " XXXX XXXX XXXX ; ref. Acct # XXXX. '' I have told them REPEATEDLY she moved from this address to XXXX, in XX/XX/XXXX, and I do NOT have any contact with her nor do I know her current whereabouts. On XX/XX/XXXX I filed a complaint with the FL XXXX ( Complaint ID # XXXX ), and Hunter Warfield agreed to XXXX NOT to contact me anymore. I accepted their resolution and the case was closed early this morning ( XXXX ), and then they called AGAIN at XXXX ( Robocall! ). I have emailed Hunter Warfield ( XXXXXXXXXXXX ) an " alternate '' family member 's contact information ( who MAY know her current whereabouts ), and yet they CONTINUE TO HARASS ME VIA PHONE DAILY! I want this STOPPED! I suspect XXXX XXXX has used both my home address/phone no. to fraud those to whom she owes money and probably skipped out owing rent from somewhere, as she did here.
Consumer complaint received 2015-09-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I am a recent college graduate from the University XXXX XXXX in XXXX Pennsylvania XXXX one of the first in my family ). However, due to financial difficulties after attempting to pay completely out of pocket I took out loans through XXXX XXXX ( now Navient ), totaling roughly 60,000 over 3 years with my grandfather as a cosigner. During college I paid all interest to keep the loan as low as possible after I gradtuated. When initially getting the loans they were to be paid over a course of about 20 years. However, once I received my first statement after graduation, I saw that the amount due was just under {$800.00}, something that was impossible for me to afford. I attempted calling Navient to inquire as to why the loan was so high, and they informed me that my loan had been changed to an 8 year loan and neither I nor my cosigner were informed of this change. Due to this, I forebore my first payment. Over the next several months, I attempted to figure this out with Navient, from which came nothing but a series of false information, Navient hanging up on me mid-call several times, and three more forebearances ( as well as misinformation regarding the forebearances ), with no results. All I want to do is make my payments, but I can not, nor can my cosigner afford the payment.
Consumer complaint received 2015-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

In XXXX XXXX I submitted all my documents to Chase for a loan Modification. 
In XXXX XXXX I fell behind on my payment. I called Chase and told they that as soon as I got my income tax I would make 2 payments. So in XXXX XXXX I did so but as soon as I did I was denied for my modification. In XXXX XXXX I was told by chase to stop making my payments to qualify for the modification but now they have no record of it. they told me in XXXX XXXX when I called back Chase to see what was going on I had n't heard back them that it would n't matter that if I did n't get the modification Chase was going to foreclose on me anyway. At is why I am over 4 years 7 months behind on my mortgage. I have been denied for bring my account current, XXXX XXXX I was denied for being 12 month behind on my mortgage and I was n't, them I was told then did n't have a program to work for me. Now after 4 1/2 years I 'm being told that I should have reaffirmed my debt before applying for a modification. I worked with XXXX XXXX XXXX XXXX in XXXX, I have worked with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have a number of other ones and just went back through XXXX XXXX XXXX XXXX again. How can all of these housing counseling companies HUD and Making Home Affordable and they tell me that I qualify for the Loan Modification for the last 4 1/2 years but Chase ca n't. I need to save my home. They have put a sale date on my home for XXXX/XXXX/XXXX and was only told XXXX XXXX/XXXX/XXXX This is wrong I have everything I can do to save my home but Chase just does n't want to work with me. Please can someone standup for me instead of the banks. I have turn to everyone for help and everyone stand up for Chase