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

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 those account 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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2015-10-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (GA)

Complaint against Suntrust Bank. Suntrust Bank did not file the deed to take possession of property - XXXX XXXX XXXX, XXXX, GA XXXX - for 18 months after it was surrended to them via bankruptcy. Filing the foreclosure deed 18 months later has denied me the ability to refinance into a more favorable mortgage on my home. Suntrust chose NOT to file the deed to AVOID THE COSTS associated with ownership of the property. While I reorganized my life and put myself on a firm foundation, I am being penalized by Suntrust not following through on the court order to take possession of the property and file the deed in their name. Please look into this and advise if there is an avenue to remedy this situation. FHA in its loan approval guidelines goes off the deed transfer date and not the date of the bakruptcy discharge. Please call me if you have any questions. 

XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX XXXXThank you
Consumer complaint received 2015-08-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had a auto loan with bank of America in which we agreed on a payment to close the account out after they sold the vehicle at a auction. they also stated if payment was made in go faith they would delete this item from all three credit bureaus I made the payment as agreed and this item is still reporting on all XXXX credit files. I contacted them and disputed several time but no success.
Consumer complaint received 2015-08-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Corporation of America (NJ)

someone called looking for me and said they were leaving a private message.and I should call this number if it is in error. XXXX XXXX XXXX. The body of the message said " This is Financial Corp of America attempting to collect a debt. " I do n't owe anyone anything. The number then left was XXXX, which is the number recorded on my caller id with a name of " unavailable ''. Furthermore I have n't received anything in writing.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

The account for Child Support has been on my report since XX/XX/XXXX and has been illegally re-aged, since my recent dispute with Experian XXXX has removed this closed account once they completed their investigation. The other XXXX REFUSE to remove it is past the 7-10 years and account is now closed and court ordered by judge to close as well. 
Under no circumstances should a collection account for a debt remain on your credit report after the original creditor 's trade line has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, there 's a good chance the debt has been re-aged. 
The collection agency will simply fix your credit report to avoid any trouble. If the collection agency does n't remove the entry after 30 days, send a second letter saying the same thing and giving the company 10 days to correct your credit report before you file suit against the collection agency for violating the FCRA and report the company to the Federal Trade Commission for illegally re-aging a collection account. 
I have called so many times and was spoken to by Experian reps with total disrespect and very harsh, without even giving me a chance to explain. TERRIBLE ATTITUDES! 
A request that the credit bureau immediately delete the information or I will contact my attorney general and file a lawsuit against the company for violating federal credit reporting practices. Attached you will see it as remains and now the removal status is not until XX/XX/XXXX. NOT FAIR AND NOT ACCURATE! 

Thank youXXXX XXXX
Consumer complaint received 2015-10-09
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Requested subpoenaed records from Bank of America on Intestate Account of decedent for XXXX County Georgia Probate hearing. BOA did not send records to the requestor, instead sent records to XXXX County Probate, they in turn redacted and presented records to requestor that were erroneous and not full record. BOA as an institution should have records on all wire transfer of funds an XXXX Account. Instead records have been suppressed, not presented under court subpoena and has allowed the Court Administrator 's interest and defrauding of the BOA XXXX Account of decedent
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NC)

XXXX, Equifax and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in forty-three years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?!
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I just received a response to my dispute from Equifax and they are only telling me that they have previously " investigated '' the XXXX items tat are CLEARY outdated and INOCRRECTLY reproting to my credit repot and I have asked them to do the right thing and remove them already, as i have been arguing with them via phone and through letters for nearly a year now. They can not report XXXX and XXXX XXXX XXXX XXXX any longer because of the statue of limitation which has expired on both. They are also reporting very incorrect information within these accounts that are damaging my financial life. Please have them remove these XXXX account. They have NOT provided me any papers, proof or any legible reasons as to why and how they are still affectively reporting these illegal accounts to my credit report. I am not stupid and I am not naive, so they need to stop treating me that way. I can not allow this to continue, I am so tired of this.
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CO)

In XX/XX/XXXX, upon reviewing my credit report ( s ), I was alerted that Enhanced Recovery Corporation had reported erroneous and negative information. I immediately sent a letter on XX/XX/XXXX requesting proof of debt under Fair Debt Collection Practices Act, 15 USC 1692g, Section 80b Validating Debts to include how the alleged amount was arrived at. After no response a month later, I sent another letter on XX/XX/XXXX and again XX/XX/XXXX. In that timeframe I disputed with the CRA 's to include XXXX, XXXX and XXXX. They returned with Enhanced Recovery confirmed alleged debt. That is impossible as they have neglected my direct requests for nearly 3 months. Finally on XX/XX/XXXX, I once again sent the request to Enhanced Recovery along with all the previous letters I sent. To this day, the erroneous and negative reporting continues to damage my credit. This is in direct violation of FDCPA and by Enhanced Recovery to continue reporting monthly is a form of collection activity which is not in compliance with FDCPA laws and they are once again in direct violation of those laws set forth to protect the consumer. I have exhausted my time and attempts to request they comply with law. It is now 8 months later and for 8 months they have continued to damage my credit.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (NV)

I applied for assistance in saving my home with my servicer Fay Servicing. I hired an attorney to help me submit all of my paperwork. My attorney submitted a complete financial application on XXXX XXXX, 2015. My attorney also called and confirmed my application was received on XXXX XXXX, 2015 and that it was complete. On XXXX XXXX, 2015 Fay Servicing filed a Notice of Sale against my home. Today they verbally state I was denied and that they are still going to foreclose on my home on XXXX XXXX, 2015. They not only " dual tracked '' my foreclosure process after I was already under review for loan modification 41 days before my sale date, but they also have not issued me any reason ( letter ) for the denial or given me any time to appeal the denial. I believe they never reviewed me and only are interested in foreclosing my house. I am told by my attorney this is illegal per RESPA Regulation X ( XXXX ). They were not supposed to issue me a Notice of Sale while I was under review for assistance as long as my full application was received more than 37 days prior to a sale date. My full/complete application was actually confirmed received 41 days prior to a sale date. I am told I was supposed to be issued a formal letter of denial stating the reason I was denied. I am also told I was supposed to be able to appeal this denial. I believe Fay Servicing never reviewed me after my XXXX/XXXX/2015 submission. They simply evaded review and set a sale date. I also want to state they did deny me in the past, however they incorrectly calculated my income and debts. They are playing games and have never had the intention to actually review me for assistance. They simply push for foreclosure.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter to Transunion requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and XXXX judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.
Consumer complaint received 2015-10-25
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Cooper Hoffman Klein Associates (IA)

Cooper Hoffman Klein & Associates began calling relatives of mine in XXXX. They have not yet mailed or sent any verification of this " debt ''. A week later, i sent a certified letter, which was returned & left s voicemail that under the Fair Debt collection practices act, to cease communication with anyone in my family. They called my employer XXXX XXXX, which they still did n't verify and I repeated to cease communication. 
Have found since they 've contacted XXXX relatives without my prior knowledge.
Consumer complaint received 2015-10-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

My mortgage was originated by XXXX XXXX XXXX, XXXX, Georgia. I am in good payment standing with XXXX XXXX Bank, and never missed or be late in any mortgage monthly payments. Then my mortgage was purchase/transfer to XXXX XXXX. XXXX XXXX turn my mortgage to a third party ( Ocwen Loan Servicing ) to handle the collection of mortgage monthly payments. Ocwen Loan Servicing , LLC is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX and their website is XXXX. Ocwen send me a letter asking to fill out IRS Form XXXX, which is the form that employers fill for collecting Federal taxes out of payroll of employees. Ocwen state in their letter that I will be fine {$100.00} if this form is not completed and mail back. Called Ocwen ( XXXX ) XXXX number to ask why I have to fill form XXXX since I am not an employee of Ocwen ... I am their costumer. Every single call made to Ocwen call center ( in XXXX ) lead to a costumer representative who can not answer my question, then they proceed to place my call in hold for someone to assist me. After waiting for more than 15 minutes, some XXXX pick up the phone and hang up on me. I try to contact Ocwen at different times and days of the week but the results are always the same. Ocwen costumers representative will place your call in hold and then hang up. This is poor costumer service.
Consumer complaint received 2015-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

I reported this before & never got a reply. XXXX XXXX verbally agreed to let me make payments. I made all but {$35.00}. I never got a receipt for any payments made nor was I contacted about the remaining balance. I was told it would be removed from my credit if I made payments. Instead they garnished my wages for {$35.00} plus fees. It was never removed from my report & now shows I was in collections for the full amount negatively affecting my credit. They were in breach of a verbal agreement & I would like it corrected immediately.
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

They have been calling my cellphone after I repeatedly told them i am at work and they cant keep harrassing me sometimes its a machine sometimes a live person they call say something and hang up. U was told because i couldnt post date a payment i wasnt allowed or qualified for a special program and i didnt have the right to call in on my pay to make a payment on my own they refused to stop the calls and refused to remove my number
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

Ocwen modified my mortgage. It took effect in XXXX and they took until XXXX to have it correctly processed the whole time my payments were ontime. They refused to update my credit report to show the XX/XX/XXXX payments and only started reporting ontime for XXXX and XXXX. Recently I checked and they had not reported anything since XXXX and it was not showing for XXXX, XXXX, or XXXX. I called and was told this would be corrected but they only showed the XXXX payment as received and now it looks like no payment was received for XXXX or XXXX and it is hurting my report and score and I am being denied credit because it looks as if payments were not made and now it looks like the XXXX payment is 60 days late.
Consumer complaint received 2015-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC ()

I didnt know which to select above but basically, XXXX was sending me immense phone bills, i was in and out of hospital for several months due to illness and operations where I missed payments, XXXX were kept informed of my situation and made aware of payments going to be delayed and then there was a point where I came out of hospital asked what was owed in total and I paid the whole amount off and purchased an upgrade within 2 days of the new phone they cut me off and sent me a phone bill for hundreds yet again just 2 days after paying the whole debt! I asked them to provide me with proof of the usage which they did not for 3 years I tried several times to obtain this and even made offers to pay which were refused, just to get rid off them. The bill was in dispute and i withdrew my consent for them to have my data or continue as they kept breaching what was agreed, they then recently sent me the statements but made it clear that they no longer have any debt owed from me and that they require no contact with me this was because they had sent my data to a credit agency which has marked my credit file and refuse to remove themselves and have threatend to continue to harass me despite my attempts to get them to leave me alone and remove it, it has prevented me from many things as this is the only negative thing on my report and has caused me great distress. I have no contract with the debt collectors nor do I owe them a penny, and withdrew any consent for data to be held they have tried to use vodafones terms and conditions stating they can as per my terms, in the act of laws if a contract is disputed the original terms are null and void therefore the debt collectors shouldnt even hold my data in the first place let alone threaten to continue to XXXX me for debt, they were made aware of this dispute with vodafone and told that the terms are disputed and they were not aloud to access my data, but chose to ignore it and continue to obtain data from vodafone to XXXX me for money. XXXX are not my issue now, they have stated they will never contact me again, but PRA ( portfolio group ) refuse all attempts made and state they will XXXX me for debt, they can have my data and i do owe them money, all of those are incorrect, I dont even have a contact with XXXX never mind PRA, unless they can prove my agreement to their terms and show me a contract between myself and them I wish for them to remove from my credit file and leave me alone this is all I wish for. Thank you for taking the time to read this and I hope you can help me. Regards
Consumer complaint received 2015-08-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AMCOL Systems, Inc. (OK)

This collection agency never contacted me about this debt. The only way I found out about the debt is when I happened to check my credit report. I tried repeatedly calling this company after finding their information on my credit report, they never answered their phone. They 're recording told me to call back during business hours and I was calling during their business hours. I sent them regular US mail to their PO Box and received no answer or reply. Finally on XXXX/XXXX/2015 I sent them a registered letter asking for information on the debt. As of today 's date XXXX/XXXX/2015 I have received no reply from them.
Consumer complaint received 2015-07-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I consulted with HUD counselor in XXXX 2015 regarding options to lower my mortgage payment. In XXXX I received a letter dated XXXX/XXXX/15 from Bank of America ; stating that XXXX XXXX would be my dedicated Customer Relationship Manager. I then received letter dated XXXX XXXX, 2015 congratulating me on being approved for Trial Period Plan, but I would have to return signed trial period plan and requested documents. I did not sign Trial Period Plan, nor did I submit requested documents, as I did not want to move forward with the modification or Trial Period Plan. In XXXX 2015 I spoke with XXXX XXXX directly ; letting her know that I did not want the modification, as is it would add time onto my mortgage. She stated, " it is already in the works ''. When I questioned how this was possible without my signature, she responded, " we assumed you wanted to move forward ''. I have continued paying my regular mortgage payments, yet there is a code on my account which delays the payment from being applied directly and results in reversals of late fees and unapplied funds. It appears my account is in the Trial Period Plan, although I did not sign or provide documentation requested to move forward with the modification trial period plan.