davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MI)

Original HELOC with XXXX since XXXX, Filed Bankruptcy XX/XX/XXXX, XXXX " charged-off '' loan XXXX/XXXX/XXXX adding charge-off fees, added " unexplained interest ' ( $ XXXX ) held loan through the duration of the Bankruptcy applied all payments to principal - ( Internal decision, given charge-off, as per BK Specialist ). XXXX XXXX sold/transferred loan to SLS ( Specialized Loan Servicing ) who confirmed balance, XXXX % going forward, statements confirmed balance, XXXX %. Wrote XXXX/SLS ( certified return receipt from both ) XXXX, XXXX, regarding explanation of unexplained fees, interest, etc., XXXX has not responded, received call from BK Specialist saying they no longer held the loan, could not/would not answer any questions, reconfirming balance and 0 % " going forward ''. SLS acknowledged our written concerns and would contact within 30 days ... never did. As of XXXX, XXXX SLS has reversed Trustee payments ( $ XXXX+ ) to interest, showing " past due '' as of XX/XX/XXXX with $ XXXX+ due immediately. Not one agent is able to explain why, evading, will look into it, will escalate etc., We not only do not have answers to our initial concerns, we now have unexplained ( $ XXXX+ ) past due amount that SLS agents can not explain. 
Numerous calls have all been futile, have filed complaint with Dept. Insurance and Financial Services, 1st request went unanswered, 2nd answered, can not comment on past servicers ' transactions. States account is past due XXXX XXXX, cites Trustee as to how payments were applied. 
Have spoken to BK Attorney - Loan should not have been Charged-off, fees, interest, etc,, with an active BK - could be re-opened by Judge. 
Spoke to Trustee, Trustee pays the claims submitted, does not designate how a claim is paid. 
SLS will not answer our concerns, on countless repeated demands, phone calls, complaints. Has frivolously reversed Trustee payments applied to principal as stated on previous statements, now appear as interest, on statements, cites past due as of XX/XX/XXXX, we were in an active CHXXXX Bankruptcy, ( XX/XX/XXXX-XX/XX/XXXX ) which they acknowledge. 
Complaints are not adequately answered, as per Dept. Insurance and Financial Services
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2017-01-28
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

I opened a new citibank account under the provision of a promotion. New accounts with deposits of XXXX or more and deposited past 90 calendar days would be eligible to receive a {$300.00} bonus. After leaving XXXX in my new citibank account, I called 4 times to citibank after the 90 days when I did n't see the promotion of {$300.00}. I need CFPB to step in to assist. I spoke with 4 separate phone operators and received 4 different dates and still no money.
Consumer complaint received 2016-08-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (WY)

I recently discovered that I have XXXX liens on my property. XXXX liens were placed in XXXX 2014. The liens only show up on my husbands credit report. This came to light when I was unable to proceed with refinancing our home. We jointly own XXXX pieces of property the majority of which is farmland. 
Apparently my husband was served on XXXX of his breaks home. He is usually XXXX. He did not appear in court and judgments were issued against him BUT the judgments are actually against both of us. The debt in question was unsecured credit card debt that was solely in his name. The creditor in this case is a 3rd party debt buyer who is currently involved in several class action lawsuits as are the XXXX parent companies. Asset Acceptance Capital Corp. was able to get the judgments that resulted in the liens. The XXXX parent companies are Encore & Midland. 

I would like to know if its legal for them to put a lien against property I have interest in when I was n't a party to the debt or the judgement? 
I would also like to know if they are in any way violating the Fair Debt Collection Practices Act in this case? 
I feel I am an injured party because its my understanding that the judgments will last 21 years. 
I have a XXXX mortgage, a HELOC that came due in XXXX. It was always my plan to roll the XXXX & XXXX together and I started that process about 6 weeks before and this is when the issue of the liens came up. 
I could n't answer any questions about the liens as they came as a total surprise to me. The liens are causing me a hardship in that my mortgage has doubled and I 'm afraid we are likely to fall behind. My insurance has already doubled. I ca n't refinance the home and I ca n't sell any of my other properties. Asset Acceptance has way more in assets tied up for me than the debt that is owed and its not my debt.
Consumer complaint received 2016-08-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Credit Recovery, Inc. (LA)

There is no option to select for what it is I am trying to complain about. I am filing a complaint because this company is preventing me from being able to purchase a home by continuing to report inaccurate information on my XXXX credit file. I have requested that the dispute comments be removed from this account because I am no longer disputing the account and I agreed with the way the account was reporting except for the dispute verbiage. I did dispute the account but they verified the information and I agreed it was mine so there is no reason to continue to keep the account in dispute as if I am still disputing the account. The dispute has been resolved. This company stated to me that they would not remove the comment unless I paid the debt and that is illegal. They are continuing to report an account inaccurately as in dispute in order to get paid. There are guidelines in place that are set by the government that will determine whether these accounts have to be paid in order to get approved for a mortgage and it 's not right that the collection agency is taking matters into their own hands.
Consumer complaint received 2016-08-08
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Pacific Rim Alliance Corporation (CO)

This company has called repeated times, claiming I owe a debt from Checkmate Payday Loan. I do not recall ever making this agreement, I asked them to send me the original contract, they refused saying to go a website and I can get it there. I asked them for the physical address and licence number and they refused, stating that it is security protocol. I asked to speak to a supervisor and they kept putting me on a silent hold then a hard hold. They are calling my family saying I owe this debt and trying to collect it from them. I explained to them that they need to stop calling my family, they have my direct line and I have answered every time, they refused. They said they would " keep on harassing me until the debt is paid ''. I have asked for the burden of proof 6 times already, they refuse to send it. I downloaded the cease of communication notice and sent that to them today, XXXX/XXXX/16. They are very aggressive and will not stop their harassing collection techniques.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (PA)

I was 2 days TWO DAYS late paying a charge of aprox {$150.00} on my Target Red Card. 

The Target company sent me a NEW card with NEW numbers and the payment I sent ( on time ) was returned and did not get credited to the new card number. When I saw this I called Target, got new number and sent payment via my bank account to pay the balance due. Target told me they would happily waive the aprox {$35.00} late fee at that time. To this date they have NOT waived the fee. They are adding a late fee each month and now threatening me with Debt collection for late fees one a XXXX balance account. Target originally was supposed to waive the first late fee when the new card number payment mix up happened. 

I have spoken to Target MANY times about this and I am done trying to deal with them. They are now having people call me and harass me through collection agencies. I 'm pretty sure it 's illegal ( or it should be ) to keep adding late fees on XXXX balances and trying to collect them. 

If it was my fault that the payment was late I would have paid it- Please contact them and clear this up for me. They owe ME money for time and stress and harassment. You are welcome to check my credit information for ALL my accounts that you will see are paid on time. Thank you. XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union is not and has never reported my mortgage account to the three credit bureaus, since XX/XX/year>. 

I have reached out to them on several occasions to try to get this resolved, and they keep telling me to " dispute '' this matter, but you can only dispute something that exists. My mortgage account with Navy Federal Credit Union does not exist, according to my credit report, so there is no way I can dispute their not-reporting. 

Their lack of reporting is fraudulent.
Consumer complaint received 2016-08-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (KY)

See attached files. BB & T granted immediate online approval of a 3rd party check for deposit into our personal account via BB & T online banking app ( where they admit technical flaws ). My wife was victim of an articulate online job scam. BB & T approved the check immediately and my wife XXXX XXXX XXXX XXXX took {$870.00} cash out next day to deposit in 3rd party account with XXXX XXXX Bank ( who has now frozen that fraudulent account and funds ). 3 days later ... BB & T notified us our account was drastically overdrawn b/c the check was a scam ( they told us 3 days later! ) and are now trying to hold us responsible for the bad XXXX XXXX check that should have been verified/checked by BB & T immediately. They still have not returned our missing {$190.00} from my account and are trying to hold my family responsible for the negative balance of - {$780.00}. I 've requested details and meetings with BB & T fraud and VP to no avail. Contact XXXX XXXX or XXXX XXXX at XXXX.
Consumer complaint received 2016-12-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (CA)

I have a car loan with Bridgecrest ( XXXX ). My payment was due on XX/XX/XXXX. I have my bank information store in my account and submitted a payment on the XX/XX/XXXX. On the XX/XX/XXXX I received an email stating my payment was returned for insufficient funds. I contacted my bank and was told they never tried to take the payment until XX/XX/XXXX. When I spoke with a representative she told me when they ran it my account was closed but she could n't provide me with that proof. They reported my payment late and I owe them a XXXX $ late fee. I feel this is unfair to me because I 've been making my payments on time twice a month.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2024-08-29
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. (FL)

Consumer Name : XXXX XXXX, Consumer Social Security Number:XXXXConsumer Date of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( 2 ) Collection Accounts opened at XXXX XXXX account XXXX XXXX bal {$170.00} and XXXX XXXX XXXX bal {$510.00}
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX, XXXX # XXXX - BALANCE {$2200.00} Account Name : XXXX  XXXX # XXXX BALANCE {$0.00} Account Name : XXXX  # XXXX BALANCE {$0.00} Account Name : XXXX # XXXXXXXX- BALANCE {$0.00} Account Name : XXXX # XXXX BALANCE {$0.00} Account Name : XXXX XXXX # XXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX # XXXX BALANCE {$1700.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$0.00} Unauthorized inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-11-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

XX/XX/2016 I opened a checking account with Citi Bank NA. As part of the new account bonus, Citi Bank offered XXXX bonus if I meet criteria to earn the XXXX dollar bonus. I did meet their criteria in same month. Furthermore, to get the XXXX bonus the consumer must wait 90 days to receive the bonus which was fulfilled as well. I visited the branch and requested status of the XXXX. The branch was willing to help but the back office of Citi Bank does not want to fulfill their side of the obligation. They made an agreement to give me the bonus after meeting the criteria but not willing to do so as we speak. I have to constantly follow up for this to no avail as of this date. At a minimum, this is a deceptive marketing gimmick by Citibank and I seek relief from this scam by Citi Bank and like the XXXX I was promised.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2016-11-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

We submitted this file for a short sale had completed all of the process except we were missing XXXX judgment for less than {$2500.00} from a third party hospital. It took a while to track down because we needed to locate the collection agency on the matter. After months of processing, the file was closed on the XXXX for the XXXX missing document and on the XXXX the document was sent to the lender with an updated HUD reflecting that the {$2500.00} would be paid at closing. No one looked at the file for 1 month and they have scheduled the home for sale
Consumer complaint received 2016-11-17
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received a call around XXXX phone # XXXX claiming that they are debt collector and wanted me to pay {$7200.00} i owe to bank of american credit card that was open in 2002. They kept on repeating my SSN # which they have correct and threat to send to XXXX office for legal action.They kept on transfer me to different people and kept on asking the SSN # so they have it right. They pull up my criminal file which was wrong and incorrect.
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

On XXXX/XXXX/16, I disputed an entry on my ChexSystems report with Chexsystems. The entry was placed by XXXX, California in the amount of {$250.00} and reported for " Suspected Fraud Activity ''. I did not recognize this, and in my dispute to Chexsystems, I requested documentation from XXXX to substantiate both ( a ) the amount and ( b ) the suspected fraud activity. I then received a letter from ChexSystems dated XXXX/XXXX/16, that states that they have verified the information, but XXXX informed that account was opened online so requested docs were unable to be obtained. This is a completely unacceptable response. How was Chexsystems able to verify information when there is apparently no documentation to substantiate the information?