davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have contacted this company several times concerning validation of this debt and they only send me outlines of some debt. I sent a debt validation letter and never got the response I am looking for. This company has hurt my credit worthiness with reporting inaccurate information. I have tried several times to fix the situation but to no avail. I am hoping that you guys can help me get this matter taken care of ...
Consumer complaint received 2018-10-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have been a member of USAA bank for over a decade. I have paid a {$5000.00} dollar personal loan at 16.5 % in full. I have paid a credit card at 26 % interest in full. I have tried to get insurance through usaa for nearly 4 years now and have been denied time after time. I have tried to get an auto loan for the past year with usaa and have been denied every time. I deposit checks and usaa holds half or over half of my money for a week. Leaving me only a fraction of my money to live on. USAA does not care when I call and beg for my money when they decide to hold it. They instead tell me to do a cash advance through my credit card so they can make 30 % interest on their desperate broke customers money as they hold it hostage for a week.
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I paid off all my credit card debt, my mortgage, my personal loans, and refinanced my car loan over 2 weeks ago. My credit reports are not being updated to show my hard work. There is still 2 open car loans on my report after I refinanced a month ago. All my credit card balances are at {$0.00}, but my credit report is yet to be updated. My mortgage is paid in full, but my credit reports say I still owe {$150000.00}. There are duplicate collection accounts that I have disputed multiple times. Now they wont let me dispute them anymore. There are accounts that were originally reported, then removed, and the later put back on my reports. There are accounts that are over 7 years old but somehow the dates are switched to make them just under 7 years old so they stay on my report.
Consumer complaint received 2018-10-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Amscot Corporation (FL)

On XX/XX/XXXX I went to the XXXX, FL Amscot but before I came I spoke with XXXX on the phone to see what documents needed to process the loan. She explained she see me in the system so all I need bring ID, recent document showing proof of income, and check that will be kept on file. Went to the place and then a rep named XXXX ended up taking over. She told me I was approved and then a text message was sent to my phone stating your approval number is XXXX. Then I asked rep XXXX how much was I approved for and she didn't know, so she called corporate and stated I owe {$50.00} from the year XX/XX/XXXX and it was the fee to checks written back in the day. I explained to her Florida Statue of Limitations has passed. Well then she stated you must pay something. I was going to put a dollar on debt but did respond to text message and stated " Hi Amscot, this is XXXX. Can we set up a payment for XX/XX/XXXX {$10.00} a month for old debt. '' Please keep in mind was approved for {$150.00} needed {$180.00}. Then XXXX come back she is well aware of the law and Amscot has their internal financial services, but I stated still don't override State of Florida or Federal Law ;  so I guess I hit a nerve and then she gave me the attached document reason for rejection is other delinquent past debt. 
What is the rule of thumb when a debt is 15 years and the bank refused to loan you the money. XXXX did state I paid debt back but not the fees, and to me that really sound crazy. I never knew it was an outstanding debt owed but now it still shouldn't reflect present day loans. At the end of the day no loan occurred and disappointed. It is XXXX years old. I  wanted to start New and they didn't but need to know what is the correct way to handle this.
Consumer complaint received 2018-10-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

On XX/XX/XXXX I authorized payment of {$580.00} to HomePoint Financial to cover an anticipated increase in the amount of my monthly escrow payment. 

XX/XX/XXXX - My usual monthly electronic mortgage payment of {$2300.00} was debited from my checking account. 

Starting in XX/XX/XXXX my monthly bills indicated that my account was in suspense. I contacted HomePoint on numerous occasions and after I had made 3 or 4 phone calls it was escalated to a manager in XX/XX/XXXX who told me that my account would be taken out of suspense and the derogatory credit reports that they had submitted to the credit bureau would be withdrawn withn 30 days. I have not been able to confirm this at this time, however. Additionally, in XX/XX/XXXX Homepoint withdrew TWO mortgage payments from my bank account instead of just a single one on the dates below. 

XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} I contacted Homepoint on XX/XX/XXXX and escalated it to a supervisor named XXXX, who told me that he would have to research exactly why the extra payment was deducted and if I had not pre-authorized the payment, they would issue me a check by mail. After I spoke with him I contacted my bank and had them attempt to stop payment on the XX/XX/XXXX payment which they were successful in doing. On XX/XX/XXXX I called Homepoint and talked to a male who gave his name as XXXX (? ) and asked him to notify XXXX that my bank had issued a stop payment. Nevertheless, on XX/XX/XXXX I received a check for {$2400.00} because Homepoint was in error in deducting the 2nd payment, I am holding the check in lieu of instructions from XXXX. On XX/XX/XXXX I received a letter from Homepoint requiring that I resubmit the payment for {$2400.00}. On XXXX I contacted Homepoint and was told by the female representative that my account was in arears {$2400.00} and that the charge was being reversed and would be taken from my escrow account! At that point I asked to be transferred to XXXX but he did not answer, so I left my name and number on his voicemail to call me. 

I can provide all bills, bank statements, call times, and letters to document and support this complaint. I am a XXXX veteran and this is a VA loan on my primary residence. I need the help of the CFPB to stop the predatory lender practices that HomePoint Financial is carrying out against me because of their own error, by their own admission, and to restore my credit so that I am no longer financially harmed by their predatory actions. 

Thank you in advance
Consumer complaint received 2018-10-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (HI)

Early this year I received a notice that was sent to my daughter 's home in California from the XXXX. XXXX XXXX XXXX that said I had to retroactively file a XXXX XXXX Tax return and pay {$1100.00} by XX/XX/XXXX for tax, penalties, interest, and fees-see attached. I sent it to my CPA along with a power of attorney and she wrote the CA XXXX to inform them them that the address in XXXX was not my residence and that I was a resident of the state of Hawaii since XXXX -- see her attached certified letters dated XX/XX/XXXX and XX/XX/XXXX. Then, in checking my online banking on XX/XX/XXXX, I noticed the following ; XX/XX/XXXX LEGAL ORDER FEE DEBIT CASE # XXXX {$120.00} {$48000.00} Expand XX/XX/XXXX LEGAL ORDER DEBIT - CONTACT FRANCHISE TAX BOARD ( XXXX ) XXXX - Case # XXXX {$1500.00} I contacted Wells Fargo to dispute this and they said it was a " legal order ''. The finally sent me what the CA XXXX sent as their " legal order '' see attached. I contacted Wells Fargo legal dep't. and even their Executive offices and sent a letter referencing Wells Fargo XXXX # XXXX -- see attached. 
In essence, they robbed me and I'm certain violated Federal Banking Laws as I have no California income and the XXXX address is that of my daughter and her husband and isn't listed anywhere on my personal bank account, I have never been to their home/that address, and for Wells Fargo to honor this ridiculous Debit Order which in no way ties me to any California address and is not listed on my account, plus my having been a legal taxpaying resident of the state of Hawaii since XXXX -- -not to mention the XXXX 's fraudulent listing of " estimated income, etc. is bank fraud
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

There's a fraudulent account that's being reported by XXXX XXXX on my Equifax credit report. I've been fighting this account close to a year now with no results. I've sent in copies of my police report and FTC affidavit notarized and signed by the reporting officer and still nothing. I don't understand, if someone steals your information, opens a fraudulent account using your personal information including address, social security number ; etc, then it's should be a simple process to have the account blocked from my credit report. I submitted this same information to XXXX  and XXXX and the account was deleted immediately. Equifax is the only credit bureau that's giving me issues. I'm trying to purchase a home for my family and can't do so all because Equifax isn't helping the situation. All they keep telling me is the account has been verified.
Consumer complaint received 2018-10-05
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC (WA)

XX/XX/XXXX I contacted Mr Cooper loan services/ Nation star Mortgage LLc to investgatate as to why my home mortgage loan has NOT been reported to the national Credit Bureaus. After many hours of phone conversations, and finally a response letter from Mr Cooper XX/XX/XXXX, stating that they needed a filed reaffirmation agreement from my Chapter XXXX bankruptcy that was filed in the year of XXXX in order to report my loan to national credit bureaus. This company obviously reaffirmed my loan, as I have been making them payments for years. 
My last conversation with a Mr Cooper represenative XX/XX/XXXX, and said that they will absolutely not report my loan status to reporting agencys without a reaffirmation letter. My bankruptcy attorney sent a letter to me, and the lender stating that the judges in this district Do Not do affrimations of mortgages, and there is nothing that they can do at this point.

Mr. Cooper/Nationstar Mortgage has repressed my credit scores, and financial abilities.
Consumer complaint received 2018-10-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

In XX/XX/XXXXI took out a HELOC for XXXX to upgrade my home. My payment was always XXXX. To stay on top of it I have an automatic withdrawal from my bank, XXXX, automatically to BOA each month for XXXX. In XX/XX/XXXXBank of America paid XXXX to pay my state home owners tax. This was not up to them to do, and they should not have done that. I don't know why they did this and when I asked them, they didn't know how it happened either. It was none of their business to pay my state taxes. Than BOA took the XXXX and added it to the balance of my HELOC. So instead of paying intrest on XXXX, for taxes, they added it to my HELOC payment and now they have me paying intrest on almost XXXX. This is dirty business. 
There are 2 completely and separate issues but BOA added it all together. 
I have been asking for a copy of my original loan document so I can see what is going on for myself but BOA refuses to send me a copy of my HELOC. 
This was a fixed rate loan when I got it, now I'm being told it has been changed to a variable rate loan. This is wrong to do to me and it is destroying my credit. Thank you.
Consumer complaint received 2018-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

On XX/XX/18, I checked my credit reports because I want to make some major purchases soon. I checked and found that XXXX XXXX, XXXX had illegally posted a collection account. I have never heard of nor had an account with this company. I have no knowledge of this company nor this debt. I have never had any dealings with them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that allege account until after I sent them a notarized debt validation letter. Attached is the letter I received from XXXX XXXX, XXXX that is not proof that I have an alleged account with them. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with an account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 )  contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, they have not provided documented and written proof that I am the contractual, signed account holder and I never received such a letter about this account ever in the mail until I sent them a notarized debt validation letter. They have illegally posted and reported this erroneous account to my credit file file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws by reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously because of this account. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and other opportunity costs that have to be delayed until this illegal account is removed. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Consumer complaint received 2018-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

Wakefield & Associates ( account # XXXX/ {$1000.00} ) is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (PA)

I have an account with Navy Federal Credit Union ( NF ). They would take hours to days to take out my funds when it was used. I would then use my card think I still had enough money, but in all I get hit with an over draft fee and my account would be in the negatives. I paid back the money and spoke with NF to put my account on overdraft protection. Even If my card was frozen, or my fund was in a different account NF would still allow the transaction to go through which caused my account to overdraft as well.
Consumer complaint received 2018-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Transfer2 XXXX Although the CFPB solicits comments from the public, beware of retaliation if you submit a comment about a questionable action of the Union Bank.They will retaliate by refusing to credit one of your payments, hide the money or chop it up into several pieces. And hide the pieces in unauthorized accounts, that they have opened in your own name. And follow up with harassing calls threatening your account for fictitious charges.If you ask them to verify, explain and document the charge they can not do so, it is simply a ploy to intimidate you for stepping out of line. They simply repeat the allegations while removing any record of payments. While the Union Bank interferes with the work of the CFPB, which can not function without the cooperation of the public it will do nothing to protect your First Amendment rights or its own mandate. The Bank, a  foreign entity, will harass and penalize Americans who respond to the CFPB in the exercise of their First Amendment Rights by merely describing an negative experience seeking help, as it is mandated to do by Congress. The Bank will interfere with the functioning of the CFPB until it is no longer able to respond or assist. In fact, it may cost you money to respond to the CFPB as the Union Bank will levy ; fines against your account while the CFPB is left helpless.
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

My child support account # XXXX is with XXXX XXXX not XXXX  XXXX XXXX. XXXX  XXXX XXXX was contracted by XXXX XXXX to collect withholding only. They do not own this account. It is a XXXX XXXX account. ( see attached email ) XXXX XXXX XXXX continues to report incorrect information even after a representative from XXXX XXXX contacted them and instructed them to remove the late reporting on my credit report. 

Attached is an email from XXXX XXXX dated XX/XX/2018 that affirms my child support account is with XXXX XXXX and that my account is/was current during the months that XXXX XXXX XXXX is reporting 120+ lates. 

Also attached is the payment record that shows XXXX XXXX XXXX reported 120+ lates while the account balance was XXXX. 
This is a gross violation of the FCRA and these items must be deleted from each CRA for failing to verify and ensure accurate reporting and properly investigate previous disputes. 

Violations seen on attached credit report : XXXX - XXXX   XXXX XXXX reports a 120 day late for XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted. 

EQUIFAX - XXXX XXXX XXXX reports current for XX/XX/2018 and then a 120 day for XX/XX/2018. It is impossible to become 120 days late within a 30 day period. 
XX/XX/XXXX and XX/XX/2018 report as 120 day lates even though the balance owed was XXXX. ( see attached payment record ) - Item must be deleted. 

XXXX - XXXX XXXX XXXX reports 120 day lates for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (MD)

Since opening account, Ive been hit with multiple fees towards overdraft and Oops fees. Ive lost XXXX money and report was taken, nothing done about money taken falsely {$170.00} on XXXX.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.