davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

I submitted my monthly mortgage amount on XX/XX/XXXX I rec 'd a coupon stating that the next payment date would be XX/XX/XXXX for approx {$1000.00} The submitted and cashed payment on XX/XX/XXXX was for {$1000.00} satisfying the XX/XX/XXXX payment date. 
Wells Fargo decided NOT to apply this amount to this payment date. 
I called Wells Fargo on XX/XX/XXXX inquiring as to why this was not done. 
Customer Service had no answer for me, they then claimed that " they will expedite '' this mistake and update the payment to XX/XX/XXXX and it would take " 3-5 business days ''. THEN the person told me 7-10 business days. 
I explained to Wells Fargo that IF I did n't catch their mistake and I did n't make another payment before XXXX XXXX, my home would of went to foreclosure possibly and they would of reported my missed payment to the Credit Bureaus. 
All I get from Wells Fargo that is " human error '', well these " human errors '' seem to inundate them because I see them all the time. 
7-10 business days to update my loan? RIDICULOUS! And I will once again need to check after this time period, only to see it not applied possibly and Wells Fargo once again telling me 7-10 business days.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (FL)

I relentlessly have been trying to get " XXXX XXXX '' to update my account to the 3 Credit Bureaus. I was in a car accident XX/XX/XXXX. My vehicle was totaled. I had proper car insurance with XXXX and I also had XXXX insurance that I purchased when I first financed the vehicle. XXXX and the XXXX insurance took care of the amount left that was owed on the vehicle. I only had ONE payment left to pay and that was the pay-off amount ( {$440.00} ). I paid that amount. When I finally was ready to go shopping for a new car ; they pulled my credit report and it shows that " XXXX XXXX '' has not updated my credit report since XX/XX/XXXX ( way before my car accident ) and it 's showing that I still owe on the vehicle and that I have late payments! I need for " XXXX XXXX XXXX '' to update my account with the 3 credit-bureaus already. When the insurance companies did their part and I made my last payment they immediately closed my account because obviously we were done doing business ; but they have not updated my account. This is not fair and it is a burden on me because I am a XXXX old living with XXXX and I 'm unable to get another car at the moment because " XXXX XXXX XXXX '' is affecting my credit score. I have to XXXX to work and XXXX which I receive three times a week while I am waiting on a XXXX XXXX. Having to continually push off getting another vehicle is frustrating, especially when my account is PAID OFF and I owe nothing. I need help resolving this problem.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted a dispute to transunion several time about a bankruptcy on my report. I do n't believe they are properly investigating my dispute. As it comes back verified in a matter of a day or two. 
I have also asked several times for their verification source. I am told by the " supervisor '' that they do not know. 
I feel as if I have a right to know who is verifiing my information. Yet they refuse to tell me..
Consumer complaint received 2017-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XXXX.XXXX.17 my wife made a purchase al XXXX XXXX XXXX located at XXXX XXXX and XXXX XXXX XXXX XXXX for XXXX usd  which she paid with her Sears card. At the time of payment I was offered a card which I received days later. The problem is that the same purchase made by my wife is also being charged to me for XXXX or a same purchase are being charged twice.
Consumer complaint received 2017-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I discovered this tradeline on my credit report listed by Ad Astra Recovery Services Inc. I sent them a dispute letter datedXX/XX/XXXX ( attached ). OnXX/XX/XXXXthey responded with this letter ( attached ). Nowhere in the documents provided do they prove I actually owe a debt. Nowhere is a contract bearing my signature or any proof they are even legally able to collect debt in Texas. Where the signature would be someone has typed in my name ( see attached, circled ).
Consumer complaint received 2016-11-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Patenaude & Felix A Professional Corporation (CA)

Patenaude & Felix APC on behalf of Plaintiff XXXX XXXX, A Delaware Statutory Trust ( S ), submitted a lawsuit against me in an effort to collect on an alleged loan account that they claim was funded by XXXX.. I never had such a loan account. I did have a loan account through XXXX that was funded through XXXX aka XXXX aka XXXX. I contacted both XXXX, XXXXA. and XXXX. to find that no loan accounts with XXXX. that they reference in their law suit exists. The loan account number is illegitamate and does not even meet the character limit for account numbers at XXXX. Furthermore, XXXX. does not service private loans and only does checking accounts, savings & CD accounts, Auto loan accounts, Credit cards and Mortgage accounts. They do not offer personal loan accounts such as the one referenced. The Plaintiff has manufactured an illegitimate Loan Agreement and Note of Disclosure with XXXX as the creditor and myself as the borrower. THIS IS ILLEGAL and it 's been a terror to fight in a legal platform that I am uneducated in and do not have the financial ability to retain legal counsel to fight. Please assist.
Consumer complaint received 2017-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I had two visits to two separate hospitals in XXXX 2017. Both owned by XXXX XXXX XXXX. Both use the same debt, and collections agency, XXXX. I was approved for a financial assistance program for my first hospital visit ( XXXX XXXX XXXX ), making that visit cost nothing. This assistance program also covered the ER visit to the XXXX XXXX ( XXXX XXXX XXXX XXXX ), however not the Dr 's bill, which I was given a letter totalling XXXX. Approximately 1 month later, I was given another letter stating that I now owed XXXX, due to the company stating that the " Dr. From the first hospital decided not to go through the financial assistance program '' and I was now required to pay an extra {$600.00} From the first visit, which was already taken care of months prior. After asking to speak to a supervisor, the rep on the phone kept asking why, and would not put me through to one. I then told them I would have to look into this myself. I have not contacted them since. I am an employee in the XXXX XXXX at the first hospital I was seen at, and have spoken with the provider I had on that visit. He himself has stated that he has never said any such thing about reneging on this bill.
Consumer complaint received 2017-08-27
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (AZ)

OnXX/XX/XXXX I pulled my credit report and noticed that Ocwen has not closed my mortgage loan even though they received {$130000.00} that paid off the loan completely. I notified them through email on that same day (XX/XX/XXXX ) and they responded on the same day that they received my email. A couple days later I received a letter from them that stated " credit reporting for each month is made by the third ( 3rd ) week of the following month. The loan will be reported accordingly forXX/XX/XXXX in the third ( 3rd ) week ofXX/XX/XXXX ''. Well the third ( 3rd ) week inXX/XX/XXXX has come and gone, and Ocwen has failed to report timely and correct information as they had stated in writing. Please see attached copy for Ocwens response. 
With Ocwen failing to provide true and correct information to the credit bureaus they continue to harm my family financially.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-02
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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)

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request. 

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001 NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Olympic Collection Inc. (OR)

I am currently trying to pay a debt that totals {$58.00} and I am trying to make {$5.00} payments until the debt is paid and the collector is stating she can only take payments of {$50.00} or more. How am I supposed to pay off these debt if I am a single mother of XXXX and helping my elderly parents? Unfortunately we all do n't have incomes that allow us to make {$50.00} payments without worrying about food, gas and other essentials. She is threatening to take legal action when I am trying to pay!
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Well it started when I asked Experian to look into my XXXX XXXX account, which was closed and had erroneous information on it. It said that the account had been sold to another lender. Well they reaged the account that has been closed since 2013, and XXXX has it not showing a closing date. I try to fix one thing and they try to get me on another.i managed by to take photos of the old Experian account before they doctored the results. XXXX has it wrong to.
Consumer complaint received 2017-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I have transferred over 20,000 dollars to coinbase and they would not let me wire out my own money back into my own account at XXXX. 

They made it very easy to create an account at coinbase and to wire money IN but there website would not let me wire my own money back into my own account. I have sent 3 tickets about there " verification process '' that kept saying my address is incorrect or my social security is in correct when in fact I know it is correct. It has been 3 weeks and they have not responded to any of my tickets. 

There website tells me to wait 24 hours to verify again. I have tried this for several days and there system refuse to verify my account. If they did not verify my account, why did they even accept my wire transfer coming in to coinbase in the first place? 

Now I can not wire my own money back into my own back because there website is claiming I can not be verified because my Social Security is incorrect. I believe this is an excuse to take my money and hold it ransom.
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

to whom it ma concern ; I have mailed multiple letters to all the CRAs onXX/XX/XXXX by certified mail in regard to the accuracy of the bankruptcy on my credit report. They received the letter right away on XX/XX/XXXX and replied after 2 days that it has been verified and that its mine through XXXX XXXX. I called XXXX XXXX to confirm if the CRAs indeed verified it and they said no one called them and even XXXX XXXX  ca n't verify all my information since they do n't have enough datas, not even in my public record that matches on their system. I am a wife of a United States XXXX and literally left our lives behind in service for this country and I ca n't believe this is how they treat us. We are about to end our military service and planning on building my credit to purchase a house for my family and this report is hurting my credit score. under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in or for it to appear on my credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for an offer in XXXX XXXX, 2016 from American Express that offered XXXX points after spending {$3000.00}. The offer was publicized by a well-known affiliate of American Express, XXXX. I met the spending and was granted the points on XXXX XXXX, 2016. Almost 10 weeks later, the points were removed on XXXX XXXX, 2016. When I inquired about this matter, I was told that I did not meet the spending and Amex waited until after the spending period was over to remove the points and communicated nothing to me in the meantime about any spending being ineligible ( the link is XXXX ). It was not a coincidence that Amex waited until after the promotional period to remove the points. They did not want to give any indication that in their view the bonus was not spent during the promotional period because it would give the customer an opportunity to understand the spending position and supplement any spending. These points should be credited immediately.
Consumer complaint received 2024-08-02
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. (GA)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation (LA)

Unknown company contacted my phone on XXXX XXXX 2017. Informed me of a debt they allegedlu purchased from a company namedx XXXX XXXX I had no information about. They did not have valid contact information so I provided my address to send me proof of agreement, proof of right to collect, and payment history to show proof of amount they are claiming is owed. 3 days later the account popped up on my credit bureau. The information provided on credit bureau do not provide the information requested and my complaint is that under the FDCPA law my rights to validate the validity of thhe debt was violated. I am XXXX and awaiting a XXXX and XXXX XXXX. I do n't have the energy to fight for my rights or the finances to to just pay something I do n't feel I owe. I am being bullied by this company who refuses to correct this issue I am experiencing. I want this derogatory information removed due to wrongful tactics and I want to be given a fair chance to understand what this is by validating this account according to my rights. The company is in direct Violation of FCRA fair credit reporting act. ( Using the credit bureau as a eay to strong arm a consumer )
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MD)

Freedom Mortage is refusing Automatic termination of PMI at 78 % LTV as required by Homeowners Protection Act ( HPA ) of XXXX ( Automatic Termination as required by USC Title 12, Section 4902 ( b ), and definition of : Termination Date as defined by USC Title 12, Section 4901, ( 18 ) ). Freedom Mortgage is incorrectly applying an investor guidelines as outlined in Consumer Financial Protection Bulletin XXXX, dated XXXX XXXX, XXXX, Section XXXX, on Automatic Termination, and specifically Page XXXX Section B applying to " Investor Guidelines ''. I am submitting a formal complaint and wish Freedom Mortgage to comply with Federal HPA Law.