davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (TX)

Temporary change of address while on sabbatical ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) prevented Macy 's credit card statements from being delivered in a timely manner. Purchased goods at Macy 's with my Macy 's credit card in XXXX, Indiana on XXXX XXXX, XXXX. Amount charged : {$92.00}. My statement closing date for this account was in the first week of the month and generally fell between the XXXX and XXXX. The charges I made on XXXX XXXX were on a statement with a closing date of XXXX XXXX, XXXX and a due date of XXXX XXXX, XXXX. I did not receive this statement via USPS to my temporary address in XXXX. I received a statement from Macy 's with a closing date of XXXX/XXXX/XXXX and a due date of XXXX/XXXX/XXXX on XXXX XXXX, XXXX. This statement had interest charges of {$2.00} and a late fee of {$27.00}. Total bill : {$120.00}. I paid this bill in full, accepting the consequences of having temporarily changed my address twice. I paid it by EFT on XXXX XXXX, XXXX. The payment cleared and I did not use my Macy 's card again, nor did I receive a Macy 's statement until XXXX XXXX, XXXX when a letter from XXXX XXXX XXXX arrived, stating my Macy 's account was now in Collection, with a total of {$230.00} due as of XXXX XXXX. 
I telephoned URS upon receipt of the notice and the process of procuring missed statements began. XXXX XXXX, XXXX I received copies of the Macy 's statements I never received. XXXX XXXX, XXXX I spoke at length with XXXX XXXX, service rep at URS. This call proved to be worthless, since XXXX XXXX repeatedly informed me that she " could n't do any more with this. They ( Macy 's ) want ( s ) the whole balance. '' Calls to the Department Store National Bank were refused because they had referred my account to XXXX XXXX XXXX collection agency. 
Macy 's continues to accrue monthly interest fees and late charges to my account, and has done so even after I contacted URS to resolve the issue. I have not used my Macy 's card since XXXX, XXXX. As of XXXX XXXX, XXXX my alleged balance is {$270.00} and growing. 
I did not receive statements from Macy 's and I am certain the problem was from the temporary address changes while on sabbatical. Several other companies had first class mail returned to them even after we returned to our permanent home in XXXX, Texas on XXXX XXXX, XXXX. XXXX, XXXX XXXX and XXXX Bank also had mail returned to them. Our permanent address was not fully corrected until XXXX, XXXX. 
I have had a Macy 's credit card since XXXX. Records will show that all balances are paid in full. Additionally, my Target, XXXX, XXXX XXXX, XXXX, and XXXX XXXX are paid in full each billing cycle. 
I feel as though I have no recourse in this situation. XXXX XXXX, the XXXX representative, was no help, and I 'm unable to discuss this with Department Store Bank. I have operated in good faith to reach resolution. I have no problem paying what I owe but I refuse to pay the interest fees and late charges resulting in changes of address and errant mail return and forwarding.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with 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 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 2016-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

I do not have an account with XXXX XXXX. I reached out to them and they mentioned that there is no account in my name with them or even under this account number. When I dispute this with the credit bureau 's it is still showing up on my report yet it is erroneous. This needs to be deleted as soon as possible. Due to this erroneous reporting, I have been denied credit and I am in the process of purchasing a home. I wrote XXXX XXXX and they mentioned that this is not their address and that this account does n't even exist in their records, yet it is showing up on my XXXX, XXXX and Equifax report. Please DELETE this. This is reporting incorrectly and is against the FCRA reporting responsibilities. The account number is XXXX. Please see attached, for I have circled the account that is showing up on my XXXX, Equifax and XXXX Credit Report.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (OH)

I received several private student loans back in 2006. I did not complete school. I began to hear from something called the XXXX Trust which was confusing to me as I took out loans from XXXX Bank. I have since found out that XXXX Bank is not even permitted to issue these loans anymore because they would sell them to places like the National Collegiate Trust. According to my research these are passed around like stocks on a stock market. Anyways, I began to receive harrassing calls but I chose to ignore them because I had no idea who the XXXX Trust is. I then received a summons in the mail so at this point I called back. The lady on the phone told me it was about collecting student loans but that my prescence was not needed in court. I did not hear anything for almost a year. I imagine this is so the time allowed to appeal such a case would expire. They then began to try and garnish my wages. I was shocked that they were able to garnish 25 % of my wages. I had read with federal loans there are all kinds of programs to help people pay them back and set a max percentage of wages to be used. Unfortunately private student loans do not operate under these laws and they also are protected like federal loans from bankruptcy. How can this be? This is ridiculous. Not only is the amount they are claiming completely false but I am left with no options. Then I check my credit report and they arent even listed on it? How can this be? Are they trying to allow me to obtain a house or a car so they can use it against me? This makes no sense. The XXXX and XXXX this has caused is worse than any amount of money I can assure you of that. I cant be the only person in this situation either. I just want a fair chance to be a good contributing member of society and to the economy. Please will someone look at my case and tell me something can be done. Not just for me but people in my shoes as well.
Consumer complaint received 2016-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Continental Services Group, Inc. d/b/a ConServe (MD)

I am currently being garnished by an organization that says they represent the DOE ( dept of ed ). They have taken over {$3000.00}, but have not given ANY of it to the DOE. I ca n't get anyone to verify the actual amount of the debt so we can pay it off and no one at the DOE will speak to me. ( they said we need to deal with the servicing agency ) ( Comserve ) I am willing to pay it off IF I could get a definitive answer as to the amount of debt. No one will give me any paperwork from Comserve ( they say by MD law they do n't have to ) NO one will talk to me at the DOE, they say we need to deal with the agency. Can you help me get an answer from the DOE? I would like to talk to you in person if possible, but an email/ letter with a point of contact at the DOE is really all I am asking for. Thank you in advance for any help you can provide. 

Respectfully, XXXX XXXX
Consumer complaint received 2016-11-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Neighborhood Assistance Corporation of America ("NACA") (IL)

On XXXX XXXX, 2016, we accepted a contract on our house from a buyer who is a client of Neighborhood Assistance Corporation of America ( NACA ), with a closing date of XXXX XXXX, 2016. 

We were provided a nice letter from NACA ( attached ) stating that the buyer had been working with NACA, " and are qualified for the NACA Mortgage to purchase ... '' our property. 
After repeated requests for an update, on XXXX XXXX, NACA Mortgage Consultant XXXX XXXX notified our attorney and our realtor : " Lender is conducting their final review. Will provide an update as soon as it is available. '' Our attorney then made repeated attempts to get an update from XXXX XXXX, but there was no reply. 
On XXXX XXXX 2016, the day before our movers were scheduled to pack up our home, we were notified that : " The lender has not issued a clear to close on this file. The file has exceeded the typical review time and has been escalated to get a response as soon as possible. As soon as I have an update I will communicate progress. We will not be able to close on the XXXX at this point. So we will need an extension. '' A two day extension was requested and granted. 

On XXXX XXXX, 2016 the our movers completed loading and our family and possessions headed from XXXX to XXXX. 

On XXXX XXXX, 2016, our attorney then made repeated attempts to get an update from XXXX XXXX and schedule the closing, but there was no reply. 

On XXXX XXXX, 2016 we were notified : that they buyer 's attorney requested that the mortgage contingency and closing date be extended to XXXX XXXX, 2016. As we were still in our contingency window for the home we had under contract in XXXX, we agreed to the extension. 

On XXXX XXXX, 2016 our attorney started making attempts to contact NACA to get an update. NACA made no effort to respond. 

On XXXX XXXX, 2016 we were notified : that they buyer 's attorney requested that the mortgage contingency and closing date be extended to XXXX XXXX, 2016. Seeing as we had no recourse, except for canceling the sale, we agreed to the extension. We were able to secure an extension for the house we have under contract in XXXX. 

Monday, XXXX XXXX, 2016, once again there has been no communication from NACA, no closing was schedule and we are now a day or two away from having to terminate the contact on the home in XXXX. Additionally we are facing significant unanticipated expenses as a result of NACA lack of communication and follow through.
Consumer complaint received 2016-08-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I have had a mortgage through Carrington Mortgage company for several years. In 2015, I elected to refinance to take advantage of a lower interest rate and that is when my problems started. They refinanced my loan but when they did, they paid my insurance company twice. I did n't catch the error until much later ( when my insurance company issued me a refund check ). When I called the company, they had no idea why my escrow account was short so I was n't sure if that was what actually happened. I agreed to pay additional money so that my escrow could be caught up. Now, this year, it is showing short again by XXXX dollars. When I called them, they admitted they had paid my insurance company twice but when I called my insurance company, they are only showing where it has been paid once. I need to know how to handle this. I ca n't afford to pay more money. Can I make them send me copies of the checks where they disbursed the funds? Please advise. Thanks, XXXX XXXX XXXX.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

The credit report have the wrong name. address and phone number on my credit report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX De XXXX and phone number is XXXX. The other information is incorrect
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Per an Independent Foreclosure review conducted by the Office of the Comptroller, they concluded that Bank of America practiced " deficient mortgage servicing and foreclosure processes. '' This foreclosure review relates to the following Bank of America accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$32000.00}. I received compensation from the Office of the Comptroller as a result of this ruling. 
Pursuant to the Independent Foreclosure review performed by the Office of the Comptroller, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information on my credit report, which was based on " deficient mortgage servicing and foreclosure processes, '' caused me to be denied employment.
Consumer complaint received 2016-08-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (VA)

I disputed the debt, the company sent a letter and a document that does not show what was paid by insurance and copay. The " bill '' of {$190.00} just states that I owe {$32.00} but does not break down which portion was covered by insurance or paid with patient copay. No further information was provided by the organization on the actual breakdown of charges and payments so I can see if there is an actual deficit in payment by the insurance because my portion was paid.
Consumer complaint received 2016-08-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IL)

My mortgage broker constantly sells my mortgage. This has been an administrative headache on my end. I refinanced with this mortgage broker, and the buying/selling happened again. I inadveratently sent a payment to one of the preceding companies that had my mortgage and now they wont refund me my XX/XX/XXXX mortgage payment. They keep saying it is being researched and it is in the " cashier '' deparment. I paid them ~ {$2200.00} on XXXX XXXX and it is XXXX XXXX. This has caused a major financial burden as my mortgage payment needed to still be paid for XX/XX/XXXX, and now I am due for XX/XX/XXXX.
Consumer complaint received 2016-08-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (FL)

For over 7 years I have attempted to get detailed information regarding my loan, including but not limited to ; original loan amount, payments made, fees assessed, etc. It sounds ridiculous, I know, but no one has been able to give me the information requested. I 've spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have been given the run-around every time I call. 

I 've been making regular payments of the minimum amount or more for years and my principal balance is not decreasing, so I am questioning this. The more I 'm ignored, the more I believe something illegal may be happening. 

Also, I 've still not received a statement showing the interest paid in 2015 for tax purposes. Each year I have to specifically request this, some years it arrives, some years it does not.
Consumer complaint received 2016-07-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (OH)

A company called Diversified Consultants keeps calling me. Not leaving a message. They are a collection agency of some sort. My phone # is XXXX. I already have a complaint filed case # XXXX
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

RE : Household Finance HFC is apparently the parent company of XXXX. I have XXXX accounts with XXXX, and they both are in good standing. I came across a situation whereby I was trying to protect XXXX of my credit cards from being charged by a disreputable corporation ( XXXX and XXXX as partners ). I closed the credit card in question and asked for a new card. Without my permission, the corporation contacted HFC and HFC gave my new credit card information to XXXX. As a result of the action taken by HFC, I have been denied the choice/preference of how I wanted to protect myself from this charge by the corporation. As a result of the action of HFC to freely and illegally release my credit card information, which I wanted to keep confidential, I am now being forced to deal with the corporation and their charges in a manner which I find reprehensible, undesirable and a threat to my financial situation. I feel that HFC should be held accountable for their illegal disclosure of my credit card account number and they should suffer the loss, as the corporation I am dealing with has a multitude of complaints about poor and dishonest service and, as a matter of fact, has a complaint pending with the FTC. My credit card information should be MY personal and private information, and NOT something HFC can distribute for use without my permission. I wonder how many more people can now have access to, and enjoy the freedom of use in submitting an unauthorized charged to my credit card. I have filed a dispute with XXXX XXXX over the charge. HFC has obviously resorted to deceptive trade practices, thereby enabling XXXX to fraudulently charge my account. Complaints by consumers about deceptive and fraudulent trade practices run into the hundreds, if not thousands, by XXXX and XXXX XXXX XXXX.
Consumer complaint received 2016-08-08
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Round Limited Partnership, Austin, TX Branch (LA)

There is no option to select for what it is I am trying to complain about. I am filing a complaint because this company is preventing me from being able to purchase a home by continuing to report inaccurate information on my XXXX credit file. I have requested that the dispute comments be removed from this account because I am no longer disputing the account and I agreed with the way the account was reporting except for the dispute verbiage. I did dispute the account but they verified the information and I agreed it was mine so there is no reason to continue to keep the account in dispute as if I am still disputing the account. The dispute has been resolved. This company stated to me that they would not remove the comment unless I paid the debt and that is illegal. They are continuing to report an account inaccurately as in dispute in order to get paid. There are guidelines in place that are set by the government that will determine whether these accounts have to be paid in order to get approved for a mortgage and it 's not right that the collection agency is taking matters into their own hands.