davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Hi, I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to XXXX, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2015-05-11
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Atlantic Credit & Finance, Inc. (NE)

They have somehow contacted my mother although she has no connection to this debt and harrassed her calling multiple times per hour. I called them back, they were looking for another name other than my own and I told them to not use this number again to contact me and they told me they would n't and called me an " XXXX ''. The person on the other line is called " XXXX '' and she is extremely unprofessional, rude, lewd, and harrassing. I am being called multiple times per day starting XXXX XXXX up through today XXXX XXXX thus far.
Consumer complaint received 2015-05-11
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Express Cash Mart Management (WI)

They contacted me by email and telephone. I made payment arrangements to make a payment on XXXX/XXXX/2015. They are still sending threatening emails and called my employer and a family member. My family member just called me wondering if I was ok. They did this on XXXX/XXXX/2015
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balanced {$330000.00} - XXXX  XXXX XXXX Balanced {$0.00}
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NV)

On XX/XX/XXXX in the circuit court of the XXXX XXXX XXXX in and for XXXX XXXX, Florida Civil Division Div. XXXX Case No : XXXX I XXXX XXXX the defendant received a Notice of Voluntary Dismissal and Release of Lis Pendents from XXXX Mortgage Services. During the trial, a representative of Caliber Home Loans testified and the Court entered a judgement without prejudice against them. Since that time, Caliber Home Loans XXXX XXXX, Ok XXXX has continued to report negative reports XXXX. In addition they continue to harass me and lie on me. As recently as XX/XX/XXXX XXXX, Foreclosure Specialist contacted my Attorney XXXX XXXX XXXX. inquiring whether or not he still represents me and said " that I expressed to them that I would voluntarily surrender the house via signed documentation. '' Why would I voluntarily surrender my home. That is a lie from the pit of hell and I wish your organization would look into their unscrupulous business practices.
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BWW Law Group, LLC (MD)

Today I received a Notice to Vacate my property despite the fact that I am currently in litigation with XXXX and XXXX. Additionally, I filed a Notice of Rescission which neither organization filed an action in court to challenge as required by law and the recent Supreme court decision. This is now the XXXX entity/ company working as agents for XXXX and XXXX contacting me via mail or in person harassing or attempting to intimidate me.
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

1 - I have been mislead on by Bank of America Credit Card associate when ordered cancellation of my Cash Advance checks. 
2 - At this point all XXXX checks I want to cancel had not been reaching the bank yet. Also, I did not remember the numbers on my checks. The misleading was done after I had ask if I can skip my credit card cancellation and wait for my checks will come to the bank instead. I was hope the bank can cancel these checks after this request. The associate had agreed with this proposition. He not tell me this way bank can not proceed my request. 3 - by the time when my checks reach the bank my request had been denied. 
4 - All my attempt to resolve this situation with Credit Card company was denied. My main branch of Bank of America help me contact to the top manager through their telephone and later to sign up a complain. But Credit Card department did not take responsibility for their misleading instructions.
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (MD)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely explored. Notwithstanding my endeavors, I presently can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is happening at the earliest opportunity. I compassionately demand that you lead a careful examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and amend my credit report right away. With your assistance, I desire to reestablish the precision and honesty of my credit document so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue immediately would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NH)

Hi, I had applied for a loan modification through Chase Bank for my mortgage held by XXXX XXXX XX/XX/XXXX. I have had several SPOC ( single point of contact ) and been in touch with executive office as well as escalation department. This application was denied and I have since sent in a new application per advise from the executive office. I am having extreme trouble getting the correct information to help me with the process. Everything from, no phone calls and return calls from my SPOC, executive office, to verbal miss information about my modification qualifying or not. I could not get a solid answer of why I was denied. I was told I could n't get a modification because my property was n't owner occupied and then I could but needed more income. I feel Chase is violating OCC rules by not sending me this information in writing and not submitting a COMPLETE MODIFICATION PACKAGE which was complete XXXX/XXXX/XXXX and not being submitted until XXXX/XXXX/XXXX. In limbo for more than two months. On XXXX/XXXX/XXXX a representative XXXX read the notes and told me the modification package was ready for underwriting on XXXX/XXXX/XXXX. I have tried to reach my most recent SPOC XXXX XXXX several times with no success. He has been my contact since XXXX XXXX, XXXX when he was assigned to my file. A month will go by before he calls me back. has told me he " has XXXX accounts and is very busy ''. He said he " will get off the phone with me and get right back on, he is on the phone all day ''. I have called his supervisor about this matter and that did n't resolve the issue. On XXXX/XXXX/XXXX XXXX told me Chase took me " off his portfolio '' my " file is in limbo. I have since submitted a new application on XXXX/XXXX/XXXX through XXXX fax sheet Chase provided. I called XXXX XXXX XXXX/XXXX/XXXX he was not available nor has he called me back. I spoke with XXXX XXXX and let her know I faxed application. I called XXXX/XXXX/XXXX XXXX not available spoke with XXXX XXXX she said they received application. Explained to her the issues I have had so please have XXXX call me so we can go over it. No call from XXXX! 
I got a call from XXXX XXXX in the escalation department he says to call him if I have a problem. When we went over my application he told me I would not qualify because my sons income was too much. When I asked for an explanation he was taking 2 months of pay stubs and using it as 1 month income. I pointed out his mistake and also let him know if he would look at the contribution amount on the application it states exactly what my son contributes. I have no confidence in this representative from the escalation department, my SPOC, or executive office. I am dealing with untrained representatives. Getting different answers to same question. misinformation and not getting it in writing. I have taken detailed note of who I speak with, dates and their extension number. Please contact me if you need all the details.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (GA)

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. Specifically the accounts that has been deleted but gets added back every time I order a new credit report. 

I must stress that the continued deletion and re-reporting of this account is not only inaccurate but also in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically section 609. The FCRA mandates that credit reporting agencies maintain accurate information in consumers ' credit reports.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NY)

I was a Chase Bank credit card customer. 
Yesterday, Chase Bank closed all my credit card without any notification. 
Next day, I called to Customer Specialist and she said my account was closeddue to 1 ) Limited credit history, 2 ) High utilization. 
I could not understand XXXX reason to close my account. 
1 ) Limited credit history? 
This credit factor was already reviewed when I applied the credit card. 
They already knew my credit history. However, they closed due to limited credit history? 
2 ) High utilizationThe reason why I had a lot of expense is my engagement. 
Because me and my fianc planned to travel to other states. 
Also, when I called to the customer center and security department due to using my credit card, nobody told me about high utilization. 
I am really wondering why Chase Bank closed my account before due date. 
My due date is XXXX. And I could afford to pay full payment even month ( I made a full payment today ). 
Chase bank consider me as a risky person even though my due date is not coming? 
I think many people have a time to have a lot of expense. 
But I always using the credit if I could make a full payment. 
I am upset because they consider me as a risky person even though I can easily pay for it. 
The reason why I used Chase Bank credit card is that I would like to build good relationship with Chase Bank. After this event, I am searching similar case with Chase. And I was shocked there a lot of case they closed account WITHOUT NOTIFICATION. 
Thank you.
Consumer complaint received 2015-11-24
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I have been receiving constant calls from this company and have told the agency before that when I am available to take care of this matter, I will. They have called me several times while at work and I have advised them that I am currently at work and to please call back later. The lady on the phone XXXX ' was extremely rude to me. I told her I am currently at work to please call later and she responds " Yeah whatever, you always say that '' and hung up in my face. I then called Fidelity Creditors back and asked to speak to a manager who then also started to mock me because of my complaint about the previous agent who called and was rude. He was like " Oh what bothered you so much? The fact that she called at XXXX? '' when I clearly explained to him what bothered me. The practices of this company is completely unprofessional and should be addressed as using these kinds of tactics to collect a debt only makes people hate these collection agencies even more.
Consumer complaint received 2024-08-29
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 account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days 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. 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 XXXX
Consumer complaint received 2015-10-22
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (AK)

I deposited money in Rush card. Made one purchase and then my account went to zero and I ca n't get ahold of anyone at customer service that can do anything about it. They continue to say they will be correcting the problem but it 's been 11days and my money and access to it are still denied.
Consumer complaint received 2016-03-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: IQOR US INC (VT)

My private loans have been sent to an outside collector named Allied Interstate. They call multiple times a day, they were verbally abusive, and threatening when I had spoken with them. They call all hours of the day, and interrupt me while I am working.
Consumer complaint received 2015-06-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised Bank of America about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now twelve years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired.
Consumer complaint received 2015-10-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Helm Associates (PA)

on XXXX/XXXX/2015, I filed an dispute with Helm Associates. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Helm Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Helm Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Helm Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Helm Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Consumer complaint received 2015-05-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

I am requesting a qualifying review of my mortgage as I am confused by the calculations surrounding my mortgage which was in XX/XX/XXXX modified by my lender under the HAMP modification program. Recently home was appraised and surprisingly is significantly under water with the mortgage. Subsequently no lender will accept my loan and so I can not get loan refinanced. Please request a qualifying review of my mortgage and provide a complete response as to all fees, interest and how they were applied. After paying loan since XX/XX/XXXX when loan was originated and for over XXXX years on time since my modification, I still seem to owe more than what the original loan was for {$430000.00}. Prior to my modification my loan was only XXXX months behind and was payed on time except for the XXXX months I was? behind the fees assessed then made my loan even more behind forcing the bank to file foreclosure on property .I have since managed to make all payments but now I am stuck cant sell the home or refinance the home due to my loan being severly under water even after paying over {$200000.00} since modification.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MN)

Had to quit my XXXX at XXXX due to XXXX due to the issues. XXXX hospitalized quite often. I am XXXX years old and on limited and fixed income and struggle with the resulting XXXX results. I had to quit before bills such as credit cards were paid off. I am being harassed by a collection company who does not believe me and says I can pay them in spite of my limited income when medicines are increasing, etc. I wish they would stop harassing me for something I can not do for them. The calls and shaming tactics are painful and cause XXXX XXXX to spike over XXXX. Other situations cause it as well, but talking with them and worrying keeps the bp way too high constantly. I do not know how to get them to leave me alone. I would file bankruptcy, but attorney fees way too high to pay. My health has to be number one.
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AP)

The last apartment complex I lived in ( XXXX, VA ) sent me charges for unpaid rent, water and sewer, damaged blind, damaged carpet and late fees. This charges I disagreed with and asked them to substantiate it but was rather sent to a collection agency. I paid my bills on time or early each and every month for the 4years that I lived there and was never once late especially for an apartment complex that has no grace period and all rent/bills has to be paid by the XXXX of each month or risk paying late fees. My credit is now destroyed and its all base on falsified charges.