davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services, effective XXXX/XXXX/15. I did not receive notice of this until it was too late to stop the automated XXXX mortgage payment to XXXX. I spoke to Carrington on XXXX when they called to tell me that i was a month behind. I explained that I had paid XXXX, and according to the terms of the loan transfer XXXX was responsible to get those funds over to Carrington. The Carrington rep then told me that they in fact did have XX/XX/XXXX payment, but had not applied it to my loan. She assured me that she would correct it and I would make XX/XX/XXXX payment to Carrington. I set up autopay and XX/XX/XXXX payment was posted by Carrington on XXXX. On XXXX I received registered mail from Carrington advising me that I was in default by 2 months and they had filed an intent to foreclose. When I called Carrington they were unconcerned about the notice and told me to disregard. My understanding of the loan transfer procedure is that they can not make collection attempts, file intent to foreclose, or report derogatory information to a credit bureau for 60 days, yet this company has done XXXX of the XXXX already. Online Scam alert sites are replete with horror stories surrounding Carrington Mortgage Services. Please review for yourself and address ; I have never been late with this Mortgage ( 8 years XXXX and have an excellent credit bureau ( XXXX ), these bullies are breaking the law.
Consumer complaint received 2015-05-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BOK FINANCIAL CORP (CO)

I made the horrible mistake of opening a XXXX 's XXXX membership. Despite the agreement stating clearly that it was an agreement that could be ended with XXXX day notice prior to the next billing cycle, XXXX 's did their typical behavior and pretended they never got my notice of cancellation. When they charged my card again, I went to the bank and asked them to stop all payments to XXXX 's. They refused and told me that only XXXX 's could stop the withdrawls. I asked to close the account and was told that until XXXX 's ended the withdrawls, they would not close the account. XXXX 's refused to ever acknowledge that I had ever contacted them. I then emptied my bank account and moved to another bank, unable to close this account. XXXX 's kept charging to it, despite having received the letter ending the contractual relationship -- -a copy of which was shown to the branch manager of this bank. Of course, the account was empty, but XXXX 's kept charging. This bank started implementing fees for overdrafts, and I kept complaining and they did nothing. They said they 'd contacted XXXX 's who never responded and since they did n't respond, this was presumed to be an affirmation that the contract was in place and that they 'd allow XXXX 's to keep charging the account. I asked again to close it, and this bank refused to close it and instead kept charging me overdrafts. Ever read XXXX? That is the logic behind this bank 's behavior. 

Now, I left my current bank and now can not get a checking account because this idiotic situation. XXXX has a very very long and established reputation of doing exactly this to people. The local XXXX went under and was bought out by XXXX hour XXXX and nobody will take any responsibility for this, saying that I have to pay hundreds and hundreds for overdrafts caused by a company with a bad reputation and a bank that refuses to help it 's patrons. 

Thank-XXXX I did n't put all of my money into this horrible nightmarish bank. I would absolutely recommend that anyone considering this bank run as fast as they can, and that if you have an account with them, that you close it ASAP and get away from them fast! 

I 'll be happy to testify in any class-action suits, or if you 're an attorney, I 'll happily be your plaintiff.
Consumer complaint received 2015-05-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION (MD)

I paid on my car loan for XXXX years on time. I lost my job and I communicated that to the lender of my car loan. They were not willing to work with me so my car was repossessed. I was expected to pay the balance of the loan and not the missed payments.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MA)

I moved from XXXX XXXX XXXX in XXXX. After the move, I updated my address with American Express. It is a house in XXXX, not a XXXX XXXX XXXX Two days later, I got 2 mails from American Express, claiming that I was using a XXXX XXXX XXXX XXXX of my account ( XXXX and XXXX ) and I have to update to a physical address or my account would be suspended. I immediately called American Express, and the representative claimed everything looks good and told me not to worried. It cost me one hour. And one month later, I got 2 mails again from American Express, threating me of closing my account if I don't change my address to a physical address from a XXXX XXXX XXXX Again I have never used a XXXX XXXX XXXX I called again, and the representative put me on the line for one hour and claimed that the issue would be fixed for sure. It cost my another hour. One month later, I got another mail from American Express saying my account ( XXXX ) was suspended due to having a XXXX XXXX as address. This is more than ridiculous at this point. I called again, and this rep XXXX said she cleared the alert and fixed the credit limit. When I asked her how to prevent this from happening again, she refused to help. This wasted me another half hour. Plus, I have a pending purchase on this card, if the credit limit was not successfully restored, it would cause me real financial loss. I am still waiting to see what is going to happen.
Consumer complaint received 2015-04-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Investment Retrievers, Inc. (CA)

Investment Retrievers Inc continued to contact me about my fiance and I advised them he was being legally represented and provided them the company name, phone number, ext and the representatives name. They claim they could not get through so continued to call with harassing phone calls. I tried to send a Cease & Desist letter via fax however their fax connection was disabled & I only received fax transmission errors.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account- though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

To whom it may concernXXXX XX/XX/XXXX XXXX XXXX XXXX sold our loan to Nationstar Mortgage. In XX/XX/XXXX we received notification that as of XX/XX/XXXX, we are to make our " regular '' payment to Nationstar Mortgage. 
We never signed any documents with Nationstar or anything. We were advised that nothing should change. So as of XX/XX/XXXX - XX/XX/XXXX all was fine. XX/XX/XXXX our payment goes up by {$200.00}. 
I start calling Nationstar to get some kind of assistance in understanding how is it that my payments are going up by {$2400.00} per year. The only response I am able to get is that " oh no ma'am, we did an escrow disclosure statement and that is what it shows. '' So, basically they do n't feel that they need to explain anything to me. I made at least XXXX phone calls and no one has helped me. I have made EVERY single XXXX of my payments on time ( see attached copies of each payment ). However, they show that we 2 months behind. Our credit is shot because of this. I am unable to get any supervisor to help me straighten this out. I manage to reach someone who seemed to want to get this resolved and for a month was actually corresponding with me via email ( see attached ). He referred this to a supervisor who is yet to contact me. I emailed him all of my figures along with copies of the checks that I returned back to Nationstar. Nationstar has no locations in California so I am unable to go into a branch to speak to anyone. We were sent escrow statements in this period of time. They are quite confusing. I created my own statement of what I have confirmed that Nationstar paid for us and what we paid to Nationstar. By my figures, we over paid Nationstar by {$5400.00}. I am attaching my own figure that I have also forwarded to them. 
We are at our wits end with this. 
Please help us get this resolved. 
Regards, XXXX ( XXXX ) XXXX
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. (AZ)

I am seeking your assistance concerning this incorrect account reflected on my credit report. I am bringing this to your attention as it has harmed my reputation, and I need your intervention. Your mishandling of my credit report left me desperate because your erroneous reporting tarnished my reputation. It is crucial to eliminate these errors so I can live peacefully with my family.
Consumer complaint received 2015-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

I had a private student loan go to collections after attending college at XXXX University in Ohio. After school I was not able to keep up with the payments after finding an entry level job. Once in collections I made an agreement with the help of an attorney to settle the debt. I made all applicable payments as indicated by the attached documentation, however, the debt collection company then forwarded my file to another debt collection company who I now have to battle with to show that the debt was paid.
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. (OH)

Credit Bureaus failed remove incorrect peronal infomation off my credit report causing denial of approvals. I mail via XXXX certified mail my Drivers license, social security care, and utility bill of my correct address as well. 

I am a victim of identity theft. My personal informtion was utilized to obtain credit, goods, and lease. This has cause wrong personal infomation such as address and numbers to be placed on my credit report Section 623 ( a ) Prohibits individuals from providing inaccurate information to a consumer reporting agency ( CRA ), such as a credit bureau, medical information company, or tenant screening service. The standards for this prohibition vary depending on whether the individual provides an address for receiving notices about inaccurate information.

Section 623 ( e ) Prohibits information furnishers from providing inaccurate information to a CRA if they know or have reason to believe it is inaccurate.
Consumer complaint received 2024-08-09
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)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX Balanced {$2700.00}
Consumer complaint received 2015-05-15
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Pressler & Pressler, LLP (NJ)

Pressler & Pressler representing XXXX XXXX swept all my funds from my bank account, then threatened me that if I fail to sign the agreement of debt repayment or upon signing I would fail making repayments, a lien will be placed on my payroll and my salary will be garnished. 

This is so shocking to me because I knew that only government and its agencies can put a lien on your account for nonpayment of child support, alimony, school loans ; and IRS for owing taxes but financial institutions such as credit cards who 's funds are insured by the FDIC - that 's completely new to me! 

I had no idea that I was being sued by Pressler & Pressler representing XXXX XXXX since due to an illegal eviction I am no longer at XXXX XXXX XXXX for over a month and I do n't have a new mailbox address as of yet. 

So, I called Pressler & Pressler and after my conversation with Pressler 's representative and making payment arrangements, they still refused to release my frozen funds back to me. I had {$1800.00} in the account, which represented my Federal and State Income Tax Refunds that I just received as EFT to my account that week! 

After crying on the phone pleading with them to release my funds and informing him that since they took all my money from my account at XXXX XXXX XXXX I have only {$2.00} in my pocket thereby left without any funds to purchase groceries for the next XXXX weeks, the representative made a promise to release {$300.00}. THE MONEY WAS NEVER RELEASED.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2015-08-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (PA)

Thank you for submitting an Online Consumer Complaint. A representative from the Consumer Services Office may contact youto follow up. 

Here is a copy of the information you provided. Please save for your records. 

Please do not reply to this email. 



Name : XXXX XXXXAddress : XXXX, PA XXXXHome Phone : Day Phone : XXXX Ext : Email Address : XXXXXXXXXXXX Name : wells fargoAccount/Loan # : XXXXInstitution Address:XXXX XXXX XXXX XXXX. 
XXXX, pa. XXXXReason for Contact : On XXXX XXXX 2015 th I authorized my credit card ( XXXX XXXX ) to debit my account on XXXX XXXX XXXX for XXXX. on sat XXXX XXXX 2015 my credit card credited my card with the XXXX payment as if it was received. on monday XXXX XXXX XXXX 2015 wells fargo removed the XXXX from my account. later that day. i overdrew my account. using overdraft protection. yet they ( wells fargo ) still charged me XXXX XXXX overdraft fees. i politely asked them to be fair and human and just charge me XXXX. however the refused. I know its inhumane however im uncertain whether they violated any laws. also when i contacted them a representative tried to tell me my credit card company credited my account but they didnt actually take the funds until later. any event the funds were removed. prior to me overdrawing. 

Signature : XXXXDate : XXXX/XXXX/2015Name of Attached File:
Consumer complaint received 2024-08-09
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$36000.00}
Consumer complaint received 2015-04-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (TN)

I worked out a payment arrangement with XXXX, XXXX XXXX XXXX, XXXX. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on XX/XX/XXXX. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out in XX/XX/XXXX however they did XXXX, XXXX and XXXX. In fact my drafts begin in XX/XX/XXXX. I have paid them payments totaling around {$1800.00}. I do n't feel that missing XXXX payment that they never told me about warrants wage garnishment. Please help. I can barley survive now. I barley can afford food for my family. I realized my debt and that 's why I arranged payment arrangements with them so this situation would n't happen. Please help me if you can. I have gotten letters from lawyers for representation and I did n't know I was susposed to be in court.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

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


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


I demand the late payment reported in 60 days to be removed. 


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

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

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

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

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

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am submitting this statement to address inaccurate information reported by TransUnion regarding my account with XXXX XXXX XXXX  XXXX. Specifically, the payment status for this account is reported as " 30-59 Days Late, '' which contradicts the payment history showing 100 % on-time payments. 

This discrepancy does not reflect my accurate credit behavior and could negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I request that TransUnion investigate and correct this error to ensure my credit report reflects accurate and complete information. 

I appreciate your attention to this matter and look forward to resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX  dated XXXX XXXX $ XXXX.spoke to company to validate debt and no reponse. 
XXXX XXXX XXXXXXXX amount $ XXXX.spoke to company to validate debt