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

My account with XXXX EXPERIAN XXXX 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Delete the late payments from my consumer reports
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My interest rate is too high on my credit card. I have asked Capital One to lower the interest rate so that my payments can be affordable. Capital one stated that since I had payments returned to my bank that I am not eligible for an APR decrease. They have also sent me some things about my payment being so expensive because of my XXXX insurance. I do n't have a problem with the XXXX insurance being added to my payment. My concern is that I have such a high APR rate. I have had a card with Capital One for at least XXXX years. My question is ... There is n't XXXX time that my account was not in good standing for Capital One to decrease my APR in XXXX years? It seems very odd to me.
Consumer complaint received 2015-10-28
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (SC)

On a recent trip I used my bluebird account to pay for the hotel. 
Somewhere in the process Bluebird recorded transactions improperly. As a result my card was erroneously charged XXXX dollars which caused a huge deficit in the account. Bluebird would not immediately correct the problem and stated that i needed to wait another 48 more hours for a refund!!! This caused me much financial hardship.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ATHAS CAPITAL GROUP, INC. (CA)

Failure of in document preparation. 
Statements mailed to the wrong address and never received since XXXX 2015. 
The fact that the borrower has dealt the XXXX different entities and XXXX different employees in an attempt to resolve payment, billing and mailing issues is troubling. The fact that payments were returned on XXXX XXXX, 2015 as " unable to process '', stating " the property is now in foreclosure '' is alarming. The borrower has been bounced around between representatives of XXXX, Athas, XXXX and now XXXX XXXX XXXX. 
The borrower has attempted to resolve servicing issues with the following employees from XXXX, XXXX, XXXX and XXXX XXXX XXXX : XXXX - XXXX XXXX - AthasXXXX XXXX - AthasXXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX was finalized in XXXX 2015 based on the XXXX XXXX, 2015 loan application, Initial_Disclosure_XXXX ( attached ). The final loan document was prepared with an incorrect mailing address then passed to XXXX XXXX XXXX for servicing. 
In a XXXX page letter dated XXXX XXXX, 2015 ( attached jpg files ), XXXX people were referenced for more information and resolution to the foreclosure. XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX of XXXX Foreclosure Department, I learned yesterday, ( XXXX/XXXX/2015 ) that neither woman had knowledge of the letter, XXXX XXXX was emailed a copy of the letter yesterday ( XXXX/XXXX/2015 ) and has promised to get back to me with more information. The borrower first contacted XXXX XXXX six days ago ( XXXX/XXXX/2015 ), I learned yesterday that XXXX XXXX actually works for XXXX XXXX at XXXX, not XXXX XXXX XXXX as stated in the letter. Further, the correspondence was mailed to the wrong city and took XXXX days to arrive ( XXXX/XXXX/2015 ) at the correct address. Just as the statements were mailed to the wrong city and never arrived. This is no way to do business.
Consumer complaint received 2015-08-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: U.S. BANCORP (AZ)

Vision Financial gained every number of my relatives, customers, and co workers from XXXX XXXX and sent a blanket message that a court action was going to be filed against me over an old debt. I have contacted XXXX 's Security department and they are investigating this as a potential hack of their systems. I will be taking legal action against them for damages but need this investigated. Phone number for them is XXXX
Consumer complaint received 2015-12-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rose & Associates, LLC. (KY)

About a week and a half ago I received a call from a number marked Private, the lady said she was from Rose and Associates and she was looking for my boyfriend to verify employment. I gave her his phone number. 
Today, Wednesday, XXXX XXXX, 2015 at XXXX XXXX I received another call from a number marked Private from a lady claiming she was from Rose and Associates, again asking for my boyfriend. She gave me a return number of XXXX so I called it from my work phone and told her to take my number off of his name. She would n't give me any information about what the call was regarding other than " employment verification ''. I told her I thought it was illegal for collectors to mark their calls " private '' and she said it was not.
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. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX XXXX XXXX XXXX billed me for a debt I did n't owe, for a service I did n't received, so I let them to into my account and take {$96.00}. So I then canceled their contract because I do n't want to deal with them anymore. 
But Transworld Systems is still billing me for {$96.00}, and I refuse to pay them XXXX for nothing. I want Transworld to stop billing me, and I want them to clear up the damage they did and are doing to my credit report. Therefore, I need your help. I have copies of this paid non-service. This racket has gone on long enough. Please stop them/. Please punish XXXX of them.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (MI)

I signed up for e-bills through Synchrony Bank, and everything was going fine until they changed their Website. Now, when I signed in my UserID and Passwords were not recognized so I called to complain and asked that they start sending my Statements through the mail because I could not get to my accounts through their new Website. 
I have called about three times making this request and actually mailed a request also. 
I am still not receiving my Statements, but they are constantly calling and leaving a message to call XXXX. This is not a real number. In the meantime, they are charging me late charges and if I do n't pay my XXXX XXXX 's off within a certain time, they will add interest. 
All I want is to pay my bills, but how can I when I do not have a Statement? Please help me before this entity completely ruins my credit.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

I gave Equifax online dispute site the information required. they asked XXXX questions of which I checked " none of the above " to all as nothing applied to me. then they wanted me to fax a copy of my drivers license, I have n't had XXXX in 20 years and do not ever plan on getting XXXX. I have had some issues with identity theft in the past, but was caught before any damage occurred, by my bank. So I do n't know how to deal with this item that say 's it 's a " Legal Issue ''
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

To : From : XXXX XXXX XXXX number : XXXX Claim number : XXXXProperty address : XXXX XXXX XXXX. XXXX, NC XXXXMy name is XXXX XXXX XXXX and have been a mortgagee of SPS now for over XXXX years. On XXXX XXXX, 2014 I was on a spiritual retreat when at XXXX I received a call from the XXXX Police Department informing me there had been an electrical fire at my home. My first though was my XXXX year old son and making sure he was OK. So since that time my son and I have been in temporary living quarters. I 'll make a long story short. XXXX performed well keeping their agreement as my insurance provider. When I received the XXXX draw of {$57.00} XXXX I thought to myself ; we should be able to get back into the house before XXXX. 
In the first few weeks the performed well finishing the roof, the soffit and the fascia. The inspector came and his estimate was 27 % which I vehemently disagreed. I thought it should have been more like 33-34 %. The next draft was for $ XXXX and quickly was exhausted. This was in XXXX .I went ahead and requested another inspection because a great deal of these funds were already owed to the sub -contractors. I 've had XXXX extensions since the inception of the loan. Instead of moving the XX/XX/XXXX, it will now be more like XXXX. I 've had back to back inspections as the XXXX was completed XXXX weeks after I requested the funds. What I 'm finding out is how lengthy the process can and has been. I 've now been waiting almost XXXX months for check and the frustration, stress and absolute anger ca n't be defined. 
I should not have to beg for these funds Period. The same forms I sent in XXXX months ago are being requested again. The waiver of lien, the contractors ' license number and his tax information. This has been the most traumatic event I 've ever dealt with in my entire XXXX years on this earth. Why did we proceed thus far without the information. What if this was you or your wife dealing with this? I 'm sending this to the world ; no one should have to deal with this XXXX. I do n't wish this XXXX ordeal on anyone. I 'm sure SPS holds these funds as long as possible to earn any type of interest. Will you pay me interest? Please intervene and help me get back home. I 've had a XXXX in the past few years. This has been the most wicked and XXXX experience of my life.
Consumer complaint received 2015-03-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (CT)

I had a checking account with M and T bank. I had an overdraft line of credit with them as well, just to be used if my account was overdrawn. I had this for several years with {$0.00} in fees and a low APR - since it would be a charge of {$10.00} or less and paid off at the end of the month kind of thing. 
After the XX/XX/XXXX subprime credit crisis, the terms on the account change. I learned quickly that there was an exorbitant fee ( {$40.00} ) and 27 % APR on the card, compounded what seemed to be daily because I could n't even pay off the balance without more interest showing up. 
I moved my checking account to XXXX, and kept my M and T checking account with overdraft line of credit open in case of an unforseen issue. 
In XX/XX/XXXX I did a credit check, and got suckered into the " enter your CC number for a free credit report '' scam. I then got seriously ill for 3 months. 
During this time the " free credit report '' agency billed me twice for 40 dollars, and then again for 40 dollars which I got reversed. 
This ended up hitting my overdraft since it was an empty account no one was supposed to use, for a total of 120 in principal,?? in fees, and then the 28 % APR. By the time I recovered and was able to log back in ( the paper statements went to my old address I no longer lived at ) There was a balance of {$270.00} on my overdraft. Instead of trying to fight the bank since M and T has treated me so badly in the past, I transfered the balance from my XXXX account, and paid my overdraft account. However unknown to me - because of the insane interesting compounding in the 3 days it took to transfer money from my XXXX account just under {$9.00} dollars accrued in the MTB overdraft account. 
I called and said close all my accounts, and never spoke with them again. 
2 years later when I applied for a car loan, I look at a copy of my credit report and find out MTB sent a delinquent notice to all the credit agencies. 
They never called me. 
They never sent the NINE DOLLARs to collections. 
I was furious, I called M and T and they refused to do anything except let me pay the 9 dollars and stop reporting the delinquent account. 
My credit will be impacted for 8 years because of this travesty, please help me. 
Because my accoutn is closed I have no paper records of this - maybe if I file a lawsuit with the bank I can subpoena them?
Consumer complaint received 2015-05-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Loan Modification : We owed a balance of about {$300000.00} on our home in XXXX. We receive a loan modification in XXXX with OCWEN Loan Servicing LLC we now owed {$350000.00} and we have a balloon payment at the end of 30 years that we do not know how much it is. This home is only worth about {$200000.00}, I thought loan modifications was supposed to help people not hurt them we have lived at this house since XXXX XXXX and we still owe {$320000.00} on the house something is not right here if you ca n't help us at least point us in the right direction. We have been approved for two principle reduction. This company did not work with us so we did not receive either one of these principle reduction we want this company to be responsible and give us our principle reduction.
Consumer complaint received 2016-02-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC (WV)

XX/XX/XXXX I purchased a vehicle from a dealer. they financed the car through flagship credit, I mad my payments ok for awhile, even though it was a struggle.i told the dealer what I could afford, but payments were higher. in XX/XX/XXXX my husband had a XXXX, about 6 months later we were told that he had XXXX, through all of this I have been receiving harassing phone calls, even after I make arraignments to make a payment. recently I was XXXX short on a payment. 
was told by the representative that it did n't count as a payment. told them when I coluld pay more, after that I kept receiving phone calls harassing me about the past due payments.i get numerous call every day. they wont even give me someone to talk to to discuss refinancing to make payment smaller. my husband is also XXXX, it is to much to deal with, but we do n't have money for another vehicle, I am so stressed all the time about the bills and possibly losing my car
Consumer complaint received 2016-04-22
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MI)

I am in the middle of trying to get my home refinanced through Chase. When I got their letter on my " credit score '' it was only XXXX ( per them that was the score from XXXX ). I contacted XXXX and per them my score was XXXX ( it is now XXXX as of today XX/XX/2016 ). Before contacting Chase I asked several banks and credit unions about it being different. Per all of them it should not be. When I called Chase to ask why it was different, per them, the credit score is different for homes then it would be from a regular report. A different of over XXXX points would effect my loan dramatically. Again Chase is trying to rob me of my hard earn cash and prevent me from refinancing my home. 

The last time they messed up my loan I complained to the CPA and quickly got a call from Chase saying they were investigating it. Later they said they found nothing wrong with my loan and escrow. However, all of a sudden my escrow was only {$900.00} short instead of the {$1600.00} they first insisted it was.
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (OR)

I contacted this company at XXXX and realized within XXXX hours that it was n't what I had really wanted. I have been trying to get a refund on my credit card from them since XXXX on their 60 day 100 % refund. I have contacted this company at least 5 times and they are n't listening! 
XXXX ; XXXXXXXXXXXX & gt ; XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX XXXX XXXX XXXX $ XXXXXXXXPrint XXXX, TX XXXX US
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was about to convert my points in Capital One to external partners and the system asked for a XXXX. I typed my phone number in, which I have used for more than 2 years, but the system said that my phone number hadn't been saved as a contact point and even automatically denied my request for a one-time password. I have contacted them and based on their saying, I know that this is not only me having this issue. Apparently, they know this issue, but refusing to get it resolved. I also did some research on the Internet and found there are so many similar or the same cases shared by other consumer of their product " XXXX XXXX ''. This seems to be cruel to customers like me, where we pay a XXXX dollar annual fee and put everyday spending on this card. We even listen to its " advertisement '' and chasing for its sign-up bonus. This is totally unfair to us and the company seemed to be too reluctant and irresponsible to their problem. This is unacceptable.
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC (GA)

When speaking to Monterey Financial Services, they would not send documentation of what this debt is for. I sent a letter to Monterey Financial Services on XXXX XX/XX/XXXX and it was returned with no forwarding address. When I spoke to Monterey again, they would not give me an address to correspond with them. They stated I have to pay this money in order to get any information. They did not care that the company I originally contracted with, XXXX XXXX XXXX, went out of business XX/XX/XXXX ; therefore, there was no service provided for the debt they were trying to collect.
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Overlimit fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hi based on Bank of America overdraft fee class action lawsuit, I was not refunded for the overdraft fee that they charged me on 3 months in a row back on XXXX for XXXX, XXXX and XXXX and a late fee for XXXX XXXX, each of them in the amount of {$35.00}. It was only XXXX late fee that should be waived as I know other credit cards are offering to their customer. I was their customer since XXXX, on XXXX I proved enough for my loyalty besides them.