davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
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 XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 21 days before the payment due date. 

XXXX XXXX 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 2016-09-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My mortgage is with Carrington Mortgage, I 've requested a mortgage modification several times. My rate is keeps going up and my taxes and insurance is n't escrowed. I do n't want lose my home to foreclosure, but Carrington Mortgage refuses to modify my mortgage. 
I would appreciate your assistance in this urgent matter. Please help.
Consumer complaint received 2016-04-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I filed a previous complaint against Seterus but after reading through a little more of the XXXX correspondence they have sent in less than a week, Seterus needs to back up and back off. They are sending extraordinarily aggressive, demanding, and unprofessional correspondence especially considering they do not have the facts of this matter and even more especially considering that I have no clue who this company is. 

The 'backing up ' is they need to introduce themselves and present me with information and documentation on who they are and under what authority and authorization they are contacting me. It sure could appear to be a scam when someone aggressively contacts you demanding thousands of dollars and making aggressive threats if do not pay it immediately. If it is legitimate, I would assume there should be documentation from XXXX as one of my outstanding issues with XXXX XXXX XXXX is they never provided such documentation and also were barking orders ... 

So once Seterus, or more like XXXX, provides that information, then Seterus can open up discussions and this is then we begin addressing the fact that the information they have is incorrect as already mentioned in the previous complaint. 

Based on the correspondence received, I am very suspect that Seterus has violated rules and/or regulations as you ca n't just start flooding people with correspondence and making extreme demands and threats and especially without proper documentation too all aspects of the correspondence.
Consumer complaint received 2017-02-16
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (DE)

American Express delivered my XXXX pre-paid cards to the wrong address. Even though I called them multiple times to suspend those pre-paid card and reshipped the pre-paid card, they still allowed the pre-paid card to be used and refused to reship the new cards to me. Eventually, I have to dispute the transaction. However, by doing this, I was charged {$95.00} annual fee without getting the promotion points as I was past the due date to be qualified for the promotion.
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (VA)

I 've had an AmEX CC for seven years, paid my balance in full every month without exception ( and have a perfect credit score ). Between XX/XX/XXXX and XX/XX/XXXX. and after receiving a new, I was told, " higher security '' card, I was forced to call AmEx in sum seven times because my " new '' card was repeatedly " declined. '' On XX/XX/XXXX I cut the new card into XXXX pieces and mailed to AmEx CEO XXXX XXXX ( my 2nd letter to him, my first sent XX/XX/XXXX ). I have to believe this meets the definition of deception, i.e., they made it impossible for me to use my card to conduct a legitimate business/make a legitimate business purchase. My wife 's theory is since I pay no annual fee & again pay my balance in full monthly they were not making any money from me.
Consumer complaint received 2024-08-12
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 XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 21 days before the payment due date. 


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 2015-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I HAVE INCLUDED THE POLICE REPORT AS WELL. THIS IS THE FOURTH TIME THAT I HAVE HAD this is in response to clarify in simpler terms what my dispute with Chex-System is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) I AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXI have also attached the police Report that I have filed here is XXXX I will forward you the original version of the police report when I receive it on XXXX/XXXX/15. I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX
Consumer complaint received 2016-05-27
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY (NY)

This is in regards to the TD Auto Finance debt listed on my credit report with XXXX. I have disputed this collection numerous times, provided definitive documentation to XXXX, and XXXX has refused to removed this account from my credit report. As you will see in the documentation provide to me from TD Auto, the original delinquency date on this account is XX/XX/XXXX. For some reason, XXXX keeps sending me information saying it was XX/XX/XXXX which is inaccurate. My account went into collections on XX/XX/XXXX and was charged off on XX/XX/XXXX. Per FCRA guidelines, we are now at either 7 years and 6 months from the 1st delinquency date or 7 years and 2 months from the charge off date. Either of these are passed the allotted time. Please have this account removed from my credit as it has already made me delay the closing on my new home once and now I have additional interest to pay. Thank you for your help in this matter.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX 2016 I received Two credit cards in the mail from capital one on the same account one the primary holder and the other the additional holder with XXXX XXXX dollar credit limit. I used the card once and attempted to use it a gain and it was dishonored a fraud alert had been put on it. I looked up the account online and found out it had been restricted and I needed to call them. So I called them and verified that I had used the card and they said that the restriction would be lifted in 72 hours that was in XXXX it is now XXXX 2016 and they are still on restriction and they refuse to give me a written reason. they have collected all kind of personal id documents from me. In view of the XXXX situation I am wondering what is really going on.
Consumer complaint received 2015-08-22
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

When I submitted request for card I was not immediatly offered to Opt out of solicitations, surveys, thisrd party notifications and other distribution of my personal info. After I received my card, I received Opt out letter and called in XXXX times as I kept getting e-mails. Called tonight as I received " Survey '' This iscourge of corporate america privacy. If you contact them they sen nd you survey. I told them do not send me surveys, Solicitations by phone, e-mail or mail. I just want a bill/statement NOTHING else. # x they toldOK '' they ca n't do it. They say XXXX days to stop. Why could I not have opted out on approval without delay??? I asked for Resoulution spelist or Executive dept and was tol " NO '' not possable by XXXX # XXXX in XXXX XXXX XXXX XXXX/XXXX/2015
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NE)

I have been unemployed since XXXX : Navient has been sending me harassing letters and calls every week saying they will take me to court if I ca n't come up with {$300.00} a month for their payments. I have contacted this company several times to tell them I am unemployed and have still received
Consumer complaint received 2024-08-12
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 Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported to be removed.

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

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

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

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


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


Delete the late payments from my consumer reports
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax : ( multiple complaint ) 1-a PAID/CLOSED account keeps 'reappearing ' on my EQUIFAX report. 

2- the amount belongs to another creditor. 
wrong entry : XXXX XXXX XXXX  = {$200.00} correct info is : {$200.00} XXXX XXXX XXXX XXXX XXXX  paid years ago. 

3-Equifax sent an email link that claim it couldnt verify my information, BECAUSE they had the INCORRECT INFORMATION. 

Name spelled incorrectly/ Occupation-incorrect
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc. (MD)

I contacted this company called AllianceOne to attempt to settle my debt that I was unaware of until I pulled my credit for a potential employer. I now regret not getting the name of the people I spoke with in regards to this debt. When I first contacted the company they told me they had no knowledge of my debt and put me on hold to search there database. After a few minutes of being on hold they came to the line to tell me I had a {$1200.00} debt and that if I pay them that day, they could drop it to {$800.00}. I told them I would prefer they send me this in writing via mail before I make such a big payment to a company I 've never received anything from or heard of. The male I spoke to, stated I would receive something in the mail within the next few days. I waited a few weeks and never received anything, so I called the company back, to be told I would now have to pay {$900.00} to settle the date. I explained to the young lady that I had called recently and they was suppose to send me something in the mail, but I never got anything. So she said she would send me something and I can call them back once I receive the letter to start making payments. Once again, I never received anything, at this point I am fed up, so I call the original company that I owe which is XXXX, they apologized for the inconvenience but said I would have to go through this company to pay the debt, so they transferred me back to AllianceOne. This time, I asked to speak to a supervisor. When the supervisor got on the phone, she never asked me what I was calling for, she just automatically started to speak saying I NOW owe a XXXX $ to settle my debt. She said that every time I call back they up the price. I explained to her that I have called numerous times in the attempt to receive something in writing from their company and that I would not make such a big payment over the phone to a company that I have no knowledge of. She began to become very rude, saying that their company does not work like that and they would not be sending me anything and that I would have to make a payment today or the debt would remain on my credit. I told her I was never told that, the company I worked with previously sent me info with no problem so what makes their company any different. I then asked to speak to someone above her, she nastily said I would have to call back because the person above her is n't in.
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (TX)

1. When I got the loan I filled out all paperwork to do automatic payments. They made me do it. But then they failed to set up the automatic payments. I did not realize this until a month after the payment was due. They never sent me a letter, email, nothing. 

2. So I called in on XX/XX/XXXX at XXXXXXXX XXXX and made two payments. One for XXXX and a separate one that was supposed to post one day later for XXXX. They made the XXXX payment and did not do the XXXX one. So I called in again on XX/XX/XXXX when I realized this. I spoke to a supervisor. She reviewed the call from the previous week. She stated that the 'associate ' failed to make the second payment. So here it is XX/XX/XXXX and the still have not taken the money out of my account. 

This is fraud. How can I be current on my loan if they refuse to make the payments even after I give them full routing and account numbers and verbally authorize the payments?
Consumer complaint received 2016-09-15
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

ConServe sent a wage garnishment to my employer in XXXX 2016. After completing wage garnishment calculation sheet with my employer ; I called ConServe to see about getting into a REHAB program. I spoke with XXXX and he walked me through several online and printed documents that I had to complete to supposedly get into this so called REHAB program. He told me that my employer could hold off on the wage garnishment until a letter from XXXX XXXX XXXX is received that would change my payment to $ 5 month and he then said to ensure that this is done, I needed to make XXXX {$5.00} payments over the phone. I did this by giving him my account information. My employer called me in to say ConServe had called her and that the wage garnishment that we calculated would have to begin immediately at which time I called ConServe again to find out what is going on. I was told at that time that the {$5.00} payment was being made to Conserve to REQUEST a payment reduction or CANCELLATION from XXXX and that I would have to continue to make XXXX consecutive {$5.00} payments ON TOP of the wage garnishment payment before a request would be made to XXXX XXXX XXXX. It 's now XXXX and I 'm still completing paperwork in regards to a {$5.00} payment and still being garnished for the calculated amount. None of what they say, make any sense to me. There is no way XXXX will stop a {$22000.00} debt based on 5 consecutive payments made on time. I 'm trying to get them to be honest with me, because why should I pay them {$5.00} a month to ask XXXX something that I know will not happen. It 's crazy and they 're being very deceitful. XXXX should be ashame of themselves for contracting such an unprofessional company to manipulate hard working individuals ; who clearly do n't have the money to even pay back these loans. It 's not that we do n't want to pay ; but times are hard and the money is simply not available at the time. To hood wink someone into making payments like this is TOTAL FRAUD! I WILL BE MAKING A COMPLAINT TO DEPARTMENT OF EDUCATION AS WELL!
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

File a complaint Credit reporting Filing against BofA I XXXX has had a credit card with Bank of America. I opened the card in 2003. I was given with a XXXX limit and have never been late on one payment. In fact the card has sat dormant for some time. There was a recent fraudulent charge from XXXX {$5.00} I have never used this card for XXXX in fact this card was not used for more than 6month prior to this charge. Because the account was dormant I did not pay attention to the bill as it should have had a XXXX balance if not for the When I did notice the charge Bank of America refused to remove it because it was over 60 days. I value my credit and tried calling to resolve this issue and got no cooperation in this matter I was forced to pay the now {$13.00} dollar bill due to late fee and was told that I could not dispute it because it was more than 30 days past due. The charges are not mine and I would like this removed from my credit immediately.
Consumer complaint received 2017-02-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My savings account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. I was not notified of this closure. I called and asked why and was told that the account was at a 0 balance for XXXX months. I advised that the account had not even been open XXXX months, and the bank changed their answer to say that they had a policy if the account was at a 0 balance for 3 months it would be closed. The account still had not been open XXXX months when it was closed but when I asked for a copy of this policy ( as the packet I had been upon opening the account given did not state this ), they refused to send it and said I could only get it at the local branch. I unfortunately work all the hours the branch is open and asked again if I could get a copy sent to me. When the representative again refused, I asked to speak to a supervisor, was put on hold, and no one ever came back on the line. 

This is concerning to me as it seems the rules either changed and I was never notified, or was not given the proper paperwork upon opening the account. It 's especially concerning that the bank seems to be adopting deceptive practices by not clearly stating those terms in writing, and moreover refusing to show the supposedly available paperwork upon request.