davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

My account with XXXX was never late! I have had exceptional payment history with XXXX 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 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 ( MONTHS REPORTING LATE ) 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 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 2015-06-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

In XXXX, 2015, I used the web services of all XXXX major credit reporting agencies as part of a major credit-relevant transaction. For all agencies, I requested the minimal cost ( {$1.00} ) credit report. For Experian and XXXX, without my knowledge, I was enrolled in credit monitoring services. This resulted in monthly charges to my account ( {$21.00} for Experian, {$17.00} for XXXX ), until I finally noticed these charges on my credit card statement this month ( XXXX ). I called each agency, cancelled my enrollment in their credit monitoring services, and requested full refunds. Each agency refunded only XXXX month 's worth of charges. 

I am generally a web savvy consumer. I find it very hard to believe that I was provided with reasonable notice or information that by requesting my {$1.00} credit report, I was also enrolling in a credit monitoring service. I strongly suspect that Experian and XXXX are using their critical roles in our credit reporting system to charge customers monthly without those customers ' affirmative consent or knowledge. Given the trust that we must place in these agencies, this is unacceptable.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (MN)

We locked in a closing date, and were informed by our realtor ( not Quicken, our lender ) on the day of close that our date had been postponed. So we had to scramble to find housing as we sold our house on the same day. We had to turn in a form saying that we had n't taken out new credit. 
Then, our lender, because they postponed our close date, can change our origination fees because our rate lock expired. So now our origination fees and closing costs have increased almost $ 3K from our original GFE. Our seller is anxious and ready to drop the deal. We do n't have a home and now may not be able to close. 
It seems as though Quicken postponed the close date in order to up their fees to us. They did n't communicate the change in close date to us in a timely fashion ( or at all, we had to contact them to confirm ) and then their fees and rates changed in the days following the original close date. On the 'new ' GFE, they held the interest rate and made us pay points without informing us before we asked them for the HUD form. Fishy and fraudulent at best.
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (NV)

I have an American Express credit card. They tried to charge me interest even though I have automatic payments set up to pay the entire balance each month. Before this, I never paid interest charges and there should be no interest charges. It first started last month and this month the interest charges more than XXXX from last month even though my statement shows that the full balance was paid. Again, there should be no interest charges for either month since I pay off each month 's balance in full since I started using the card for over a year. 
I talked to XXXX of their reps about this, and last month they refunded the charges. She said that there was a problem with their website. That might be true for XXXX month, but as a XXXX for over XXXX years, I can tell you that if the same problem resurfaces the next month, it is not a bug. It is a " feature '', or desired behavior by the company 's executives looking to bolster the bottom line at the expense of their customers. I think you should investigate and prosecute the executives in charge of this. You should publicize the investigation and also fine them large amounts of money in order to discourage such behavior by others. 
They may claim that they are offering refunds to all customers that call them. However, what about the customers that do n't look at their statement very carefully and just pay the specified balance? In that case, they simply pocket the money and the customer is none the wiser ... They are purposefully ripping people off. The company needs to pay a large fine and someone needs to go to prison over this ...
Consumer complaint received 2015-06-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (GA)

After I married my XXXX husband, I moved from XXXX to XXXX. It took me forever to locate a job and we became severely behind on this car payment. Fees were minimal however it greatly ruined my credit and they kept reporting and would not due anything after various letter, emails and call
Consumer complaint received 2015-06-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Western Portfolio Assets (DE)

This debt collector contacted my parents and my sister. The collector told both parties that they were attempting to serve me with papers to collect a debt. Additionally, this collector threatened me with the serving of papers and filing a wage garnishment on a debt over 6 years old and not on my credit report.
Consumer complaint received 2015-06-26
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased a vehicle cautiously with the assistance of my co borrower and made it known to the dealer that I was not 100 % sold on the vehicle. I was advised that I could return the vehicle within 30 days for something else if I was not happy with my purchase. I was not happy with the vehicle and returned it to the dealer and received a return receipt. After a couple of months I receive correspondence from the finance company about unpaid debt. I received a further call from the finance companies detective who clarified that the car was indeed in the possession of the dealer who was unaware of its return. I made this known to the collection agent who was servicing the account and forwarded the necessary documents and letter or explanation but the issue was never amended. The debt has been sold to another collections agent who is now harassing me for a debt that does not exist.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

This is a follow up to a previous case filed with the CFPB. 

In XXXX, XXXX the HAMP & HARP programs were being covered heavily in the media, so I called the number advertised to find out if our mortgage might be eligible for a modification. I soon found out that though our paperwork from Wachovia ( now owned by Wells Fargo ) said MORTGAGE across the top, we had a home equity loan which was not eligible. 

I contacted the State of Florida and not long after was contacted by XXXX XXXX from the XXXX office. By XXXX XXXX, things seemed to start rolling. We were formally switched in the Wells Fargo System to a mortgage. But it took them 2 YEARS to do the modification! 

We complied with every request and their " trial period '' payment changes. We were always XXXX month AHEAD in our payments. Never behind. Our payments sat in " unapplied funds '' for months. They even failed to pay our property taxes in a timely manner. Towards the end of the ordeal my husband and I received endless " robo '' collection calls to our home and cell phones. We must of explained our situation to over XXXX different employees to no avail. Calls were coming while I was sitting with my father in the hospital. It was extremely stressful! My husband and I finally stopped answering our phones after both completely losing our tempers with employees. 

I eventually filed a complaint with the Consumer Financial Protection Bureau and suddenly Wells Fargo was on it again. They finally modified the mortgage in XXXX, but I just do n't feel like it was handled correctly. My property taxes the past two years seem really off. I had a local accountant review the numbers and was basically told the accounting is n't anywhere close to be correct. 

My dad and husband both had serious health issues last year and into the beginning of XXXX which kept me from addressing this issue until now. 

We feel Fair Debt Collection Practices Act were clearly violated in our situation as we were being HOUNDED for past due money that was not past due at all, but incorrectly accounted for within Wells Fargo 's own system. I also found that XXXX Wells Fargo Bank sounds a LOT like our case.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXransUnion Consumer Solutions XXXX XXXX, XXXX XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. My correct name is XXXX XXXX NOT XXXX XXXX XXXX THOSE ACCOUNT DOES NOT BELONG TO ME I NEED THEM REMOVED OF MY CREDIT PROFILE If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$10000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SECXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX
Consumer complaint received 2015-06-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: First Associates Loan Servicing LLC (OR)

I had been attending XXXX XXXX XXXX for my XXXX degrees. During that time, their financial aid office handled all transactions with my private loans and federal loans. I have signed documents from these times applying for the federal loans and they dealt with the transfers of my private loans to several parties. During that time I noticed that when they transferred my loans from one private lender to another my loans increased in each by about 20 % -30 %. I do not recollect any documentation of any " interest '' or " fees '' that would state my overall loans would be increased to add on another 20-30 % of my entire loan.
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (CA)

I had a Amazon/Synchrony Bank credit card, I over paid my balance by {$900.00} XXXX my credit limit being XXXX XXXX. So I should have had XXXX. Synchrony Bank now say they enver recieved the extra amount even though it has not been returned to my XXXX account and to add insult to injury they lowered my avail credit down to {$400.00}.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AZ)

I filing a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. They are reporting an outstanding amount owed to XXXX XXXX XXXX for {$520.00}. This amount has been satisfied back in 2009. I have called both companies and neither XXXX of them are willing to removing this information even though it is incorrect. I have attached all the supporting documents showing that this account has been satisfied and needs to be removed from my credit report. If you have any questions feel free to contact me at XXXX or at XXXXXXXXXXXX
Consumer complaint received 2015-06-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BARCLAYS BANK DELAWARE (SC)

I got a phone call from a lady from XXXX XXXX XXXX saying that I had a credit card debt from XXXX through Juniper Barklay bank and if I did n't give them authorization to take money out of my current bank account they were going to serve me with papers at my job the following day. I explained to her I did n't know what she was talking about and that I was at work and would loose my job for being on the phone could I have a number to call her back, a gentlemen then came on the line and said it was time sensitive and if I did n't cooperate now they would serve me at work and freeze all my assets and spouses bank account and start garnishing my wages. I talked him into giving me a number and tried to call them back several times after I left work with no answer. He called me back today telling me that if I did n't give him some type of account number that they would proceed and the XXXX would freeze up mine and my husbands bank accounts if I did n't cooperate and give them my information. I explained to them I was divorced in XXXX and was sure this was something my ex husband had done. I never held a job until XXXX so I cant understand how I would even be given a card. they told me they could n't send me any information about where the card was opened or who signed the original contract until I paid it off. They had me convinced that if I did n't comply with them they would serve me papers at work for court and freeze my bank account he told me he knew I had a credit card that I could pay this debt off with and I do not. He said he was looking at my credit report as we spoke on the phone. they wanted me to give them my debit card number and allow them to take {$1000.00} out of my account tomorrow. I hadnt ' even had XXXX hours notice of even trying to fix this and they had me in tears at my job. He wanted me not to pay my house payment but pay him over the phone. They called my work XXXX days in a row. They started off wanting {$3000.00} then backed it {$1000.00} now he wants {$500.00} by Monday XXXX XXXX or they are gon na pursue taking me court. I do n't even know if this is legitimate and they wont ' send me documentation that is until ive paid it off. It very well could be something my ex husband opened in my name but I want clarification of this. I do n't want to be harassed and threatened to the point that I cant ' do my job at work because they have used scare tactics to make me pay a debt I did n't know existed until yesterday. My husband called the XXXX and they referred us to this site.
Consumer complaint received 2015-06-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (CA)

XXXX XXXX has sent a bill for services I never received to a collection agency ( DSG collect ). We have attempted to contact them to let them know that I never received any services for said debt.. After attempting to contact them XXXX times. We 've decided to file a complaint to settle this in a timely matter. and to get this of my credit record.
Consumer complaint received 2024-07-31
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Legal Prevention Services, LLC. (MA)

I received a voicemail message from " XXXX '' at " Legal Prevention Services '' looking for my boyfriends mother. My boyfriend received the same phone call about XXXX minutes later. I did not answer, so a voicemail message was left on my phone revealing the full name of my boyfriends mother and the fact that she owed a debt. Upon returning the phone call and immediately stating that I had received a message in reference to a debt owed by a person other than myself, she asked me for the number that she had reached me at and again stated the full name of my boyfriends mother and that her call was in reference to a debt. She continued to elaborate stating that when a debt reaches a certain stage, they use an internet search to locate any possible associates of the debtor and are authorized to contact them. Although this may be true ( I personally think its wrong ) she can not reveal to me that a debt is owed, and she did this XXXX to me and XXXX when she spoke to my boyfriend. From a quick XXXX search it would appear that this " agency '' violates the FDCPA with each and every phone call it makes.
Consumer complaint received 2024-07-31
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. (IL)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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!