davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

We have been struggling with Caliber Home Loans since XXXX XXXX to correcting errors in our account. Prior to XXXX XXXX, XXXX our loan servicer was XXXX. They made numerous mistakes during the period of XXXX XXXX to XXXX XXXX, XXXX. During this time period we were not only current but paid through XXXX with {$500.00} in our account for XXXX 's payment. Caliber told us that our account was behind. It took quite awhile for Caliber to research it and then we were told that XXXX had made some mistakes. We struggled with XXXX to get our records to pinpoint where the problem was located in our account. 
XXXX repeatedly told us that we needed to work with Caliber because they were the servicer. In a letter dated XXXX XXXX, XXXX, from XXXX XXXX, Vice President, Customer Service, Caliber Home Loans, she states : " Furthermore your allegations are regarding the previous servicer and not Caliber. Please be advised Caliber is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly. '' The previous servicer ( XXXX ) is refusing to address the issue. Today I spoke with XXXX XXXX at XXXX and she informed me that they had an agreement with you to resolve any issues or complaints or misappropriation of our funds. So I spoke with XXXX ( XXXX ) at Caliber who immediately realized that the problem needed to be addressed by a manager. After waiting for quite some time XXXX ( XXXX ) took my call. She was not especially helpful. She said there is an open complaint and it would take an additional 30 days to " research ''. I let her know that this is unacceptable because we have been waiting for a response since XXXX XXXX that will resolve our issues. She balked at sending us copies of our monthly statements and financial payment history. I requested the records because Caliber has assessed fees and late charges that she says do not exist but I see them on the copies of the statements that I have. She also refused to do a follow up phone call or email to keep us updated on how the research is progressing. She said that Caliber is unable to speak by phone between the research department and customer service. Customer service is also not allowed to phone customers or email them. This does n't seem like customer service to me. XXXX is telling us that we have a single point of contact at Caliber when this XXXX XXXX has never spoken to us nor returned our calls.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian 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.

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.

Experian 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 2016-03-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (TX)

We received an offer from Discover for a bonus for new checking account for current Discover card holder that promised {$300.00} for new customers who opened an account and makes XXXX direct deposit of {$250.00}. I applied for an account XX/XX/XXXX with offer on discover website with the promo code given, and the promo code shown up as accepted on the application web site. Fast forward 2 months, I contacted Discovered after XXXX-XXXX direct deposits have been made and the bonus amount had not shown up. The customer representative who I spoke up said my account qualifies for the offer, and the system is still catching up on offer processing, and I will receive in the bonus in weeks. Fast forward another 2-3 month to today, I called and was told that I was not eligible for the offer, even though I have told my offer code was accepted at application and told I was eligible once again on the phone. This does not feel like an acceptable way of doing business, I was marketed and promised something that was not delivered.
Consumer complaint received 2016-03-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (NE)

I lost my job and was unable to make payments of my student loan. I have XXXX loans through Wells Fargo, and apparently XXXX went to collections, despite all XXXX being due on the same day. When I was asked for clarification on this, I was given none.
Consumer complaint received 2016-03-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

Carrington bought my mortgage from XXXX in XXXX, and I have called them at least 10 times at about 15 minutes per call, sent XXXX faxes, and contacted them through USPS. 1. I was told it would be 60 days before it would be reported to credit agencies, but it took 120 days. This negatively impacted my credit score. 2. My monthly payment increased by {$40.00} because Carrington decided that two months ' mortgage - instead of the usual XXXX - is now required for escrow. 3. I was charged {$15.00} for an unauthorized appraisal. 4. Although I canceled my auto draft the week before the due date and paid my mortgage online for XXXX, my auto draft bank account was still charged ; additionally, I was penalized with a {$30.00} non-sufficient funds fee. I was told that my new auto draft account would be active in XXXX, but the old ( now closed ) account was charged on XXXX XXXX, and yet another {$30.00} NSF fee was accrued to my payment. 5. As a result, I can no longer use the auto-draft, online payment, or pay by phone features because of these careless oversights. 6. I received a paper statement in the mail saying that I owed {$36.00} by XXXX XXXX, so I sent payment with the coupon - only to have it returned and certified funds requested. My paper statement for XXXX says I owe {$830.00}. 7. Over the phone, the automated system says both that payment was processed on XXXX XXXX and that I owe {$800.00} for XXXX. XXXX. On the website, it claims payment was received on XXXX XXXX, that my next payment of {$880.00} is due on XXXX, and I am now being charged a late fee without sufficient notice to submit my funds in a timely manner. 9. I am now required to send my mortgage via certified funds for the next six months. 10. When contacting Carrington, the automated system names the company as a debt collections agency, NOT as a mortgage company
Consumer complaint received 2016-03-25
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

In 2003 I took out a Home Equity loan on my residence through XXXX Bank XXXX XXXX for approximately XXXX. A short time later in 2003 I also refinanced my residence mortgage with XXXX Bank XXXX XXXX for approximately XXXX. The loans were absorbed at some point by Bank of America where I had been paying on regularly until up until about a year ago. 

At that time I went through a divorced and my income level was reduced. I have had trouble paying on the loan for XXXX and the loan was handed of to XXXX XXXX. During my discussion with XXXX representatives about what was my first ( primary ) mortgage and what was the second ( equity ) I discovered that Bank of America had reversed them. I have since been in contact with the Mortgage Department at Bank of America who do not seem to understand that the mistake has been made. 

I have since spoken to a Bank of America manager who advised me that it did n't matter what was the first or second mortgage. That same manager stated upon speaking to the Mortgage Department they reaffirmed that the equity loan had been turned over to XXXX and was being treated as the primary mortgage. 

The primary mortgage on my residence has always been the lower of the XXXX loans. Contrary to what Bank of America personnel are saying it does matter which loan is considered the primary mortgage on the property. The reasons are many and especially given that XXXX was turned over to another lender and I am working to secure a refinancing program through them.
Consumer complaint received 2016-03-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

Received a call in XX/XX/XXXX from XX/XX/XXXX from Midland saying I owed a bill now in collections. I did n't know what they meant. Checked and saw a bill from XX/XX/XXXX from XXXX that was sold to XXXX in XX/XX/XXXX or XX/XX/XXXX and then to midland. ( now I ca n't get to this original info of exact DOFD. ) In XX/XX/XXXX I am looking at XXXX XXXX and it says my last usage of this account was in XX/XX/XXXX. This is a 14 year old bill and I am not sure if it was mine as Midland will not give me any information as a result of their all a few years back. Do I have a case of re ageing? I have no documentation from XXXX to even compare to see if it is an old debt, or even mine.
Consumer complaint received 2016-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

I 've had both the amount and the due date of my student loan arbitrarily changed. No prior notice was given that the amount nor due date would be changed. I was simply notified that I was ALREADY 45 days late! 

Previous notices tell me I owe {$270.00} on XXXX XXXX, 2016, but then mail notices in XXXX 2016 tell me I am 45 days late on the amount of {$1200.00}! 

Since the amount and due dates keep changing **without explanation*** I therefor need, first & foremost, to have communications in writing so I can have documentation of what arbitrary changes are made WITHOUT prior notification. 

I have emailed Heartland / ECSI and they replied that they canceled the the inquiry because : " To safeguard your account specific information, security measures do not allow ECSI to respond to your question/inquiry via e-mail. However, we will be more than happy to help you through our Live Chat portal or via telephone at XXXX. '' That safeguards THEM from me getting proof in writing of what they said! It does NOT protect ME! 

I need : 1 ) email communication so I can document their harmful & arbitrary changes to my account. 
2 ) I also need explanation as to what they heck they are doing & why they keep changing the amount due & the due date. 
3 ) I also need to know how they are calculating my interest & when it is due. 

Thank you for your help, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-03-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (FL)

I did n't realize that these Company 's could get away with scams and defrauding the public and theirs no solution. Asuch as there are some legitimate pay day loans some have gone to extremes to abuse their power. I took out a {$400.00} loan with Big Picture loans and this is one of a nightmare. I should be paying back {$540.00}, I paid XXXX {$140.00} and {$160.00} and the {$400.00} dollars is going no where all I 've paid do n't even go towards the loan this is a scam. Very Criminal Activity being run rampantly in this Country and this needs to stop! I need to see an end to this I will not stop until these Criminals are put out of business
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I pulled a tri-merged credit report and all the bureaus report a debt from XXXX XXXX XXXX collection company on behalf of XXXX for {$170.00}. I do not recognize this debt and want verification. I was unable to dispute this debt online directly with the bureaus. I tried to obtained a copy of my reports directly with each report agency and have not been successful.
Consumer complaint received 2016-03-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am asking for someone to please help me with Bank of America Home Loans. After my wife was bitten viciously by a dog, she lost her job and as a result we fell behind in mortgage payments. Bank of America has been making my family fight a fight that even when serving in the vietnam war, I would rather be back there than having to deal with the underhanded tactics of Bank of America. They have denied us a couple of times not because of our financials but because they claim we do not have the right paperwork but we are submitting all documents that are being requested of us by Bank of America. Furthermore, they had issue with my wife 's bank statements claiming that the letter head was incorrect. We provided bank statements directly from the bank, this is ludicrous. More recently, my wife submitted yet another package for modification and around XXXX XXXX, 2016, Bank of America agent XXXX XXXX confirmed we had a COMPLETE package and that they would be reviewing us. Further, she informed me that we would do the financial interview and that she would call me in the next couple of days. Well, low and behold two days later we get a Notice of Trustee Sale posted on our door. How can they tell us on the one hand that they have a complete package and that we are being reviewed for a loan modification and then try and sell my home. Bank of America is engaging in illegal dual tracking and they are in violation of the Homeowner Bill of Rights passed in California. I ask that someone kindly monitor my review process so that I am given a fair chance at modification. I served my country in XXXX and I was XXXX XXXX. I have been through so much and Bank of America is completely stripping me of all of my pride, as I can not fight this battle in a fair manner. I am working full time, my wife will be receiving her XXXX and my kids help us out. I want to start paying Bank of America a mortgage payment I am not trying to live for free. I beg you please help me to get a fair review for a modification.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute inaccurate information that is being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX It has come to my attention that this account is still being reported as late, despite having been charged off. According to FCRA guidelines, once an account has been charged off, no additional late payments should be reported for that account. Continuing to report late payments after the charge-off date constitutes inaccurate and misleading information, which is prohibited under the FCRA. 

Specifically, under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of information, such as creditors, are required to report accurate information. Furthermore, the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

The account in question has been reported as having late paymen
ts after it was charged off. According to the FCRA, specifically Section 623 ( a ) ( 5 ), creditors must report accurate information about accounts and any account that has been charged off should not have late payments reported afterward. Additionally, Section 1681i of the FCRA mandates that credit reporting agencies must investigate disputes and correct or remove any information that is found to be inaccurate or incomplete.

I respectfully request that you : 1. Investigate this matter in compliance with FCRA guidelines.

2. Remove any incorrect late payment entries reported after the charge-off date.

3. Provide me with a written confirmation that the errors have been corrected. 

Requested Action : Investigation and Correction : Please investigate this matter in accordance with Section 1681i and correct the inaccuracies related to this account on my credit report.

Written Confirmation : After the investigation is complete, kindly provide written confirmation of the results and the actions taken to rectify the inaccuracies.

Removal : Remove any incorrect late payment entries reported after the charge-off date. the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

Thank you for your immediate attention to this matter. I look forward to your response and resolution.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XXXX Amount : {$0.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-08-14
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. (TX)

Accounts Opened : XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX I am filing this complaint because my credit report contains accounts opened without my consent due to identity theft. Under FCRA Section 605 ( b ), I request the immediate deletion and blocking of these fraudulent accounts.
Consumer complaint received 2016-03-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

Citibank sent several to text to my Cell phone without my consent. On XXXX XXXX, XXXX, I received XXXX texts to my phone number XXXX from the Citibank fraud department inquiring about a fraudulent transaction with my debit card in West Virginia. The online account ( opened in XXXX or XXXX ) was not compromised so there was no need to change the user name or password. I had conversations with Citibank on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and I asked numerous representative how did they receive consent to send texts to my cell phone. Citibank had sent text prior to this incident. I asked them to send me a letter stating when they received consent. On XXXX XXXX I received my new debit card and attempted to add it to my online account. I was able to access the account with my old user name and password. I needed to add the new debit card number to the account and it should have provided me with full access. ( The usual process is to add the new debit card number to the online account and I have full access. ) I was able to access the account but with limited access because the new debit card could not be added. The rep went through several trouble shooting steps and said I needed to register for a new account to access my current account. I asked why and she said it was to access the account. I was asked to add a new user name and password and to accept new terms of agreement and I cancelled at that point. 
I have been able to access my account with the old user ID and password with limited function under my old user name and password up until Monday XXXX XXXX, XXXX. Today I was told my old user ID and password were no longer active because I set up a new user name and password which I did not. The system indicates that the terms of agreement have to be accepted for a new account to be used or setup. The rep said that the system must have pushed it through without my consent. 
I am no longer able to access my online account. Since I started to inquire about who gave Citibank authorization to send text to my cell phone. I have had difficulty accessing my account to pay my bills and access my balance. Now I am told that I set up a new user ID and Password and this was pushed thru the system. I was told that I provided consent and to check my account yesterday, to receive text and now I am unable to access my account to verify this information and they refused to provide the date that I supposedly consented. Citibank is preventing me from accessing my online account which is linked with my savings, checking and credit card account. If a new online account was established with a new user name and password then it done without my permission.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: National Consumer Telecom & Utilities Exchange, Inc. (WA)

I requested and received a copy of my NCTUE Exchange Service Center consumer report. I received it in the mail today. Within the report under section XXXX " Unpaid Closed Accounts '' there is a paragraph that states, " These accounts are reported as unpaid closed accounts and may remain on your report for 24 months. '' 24 MONTHS! The federal and state law says 7 YEARS! 

I contacted NCTUE to remove XXXX accounts listed beyond the 2 years and was informed that federal and state law allows for reporting for up to 7 YEARS. 

The information printed on the NCTUE report that I received in the mail is deceiving to consumers as it states clearly 2 YEARS.