davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Consumer complaint received 2015-09-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Back in XXXX XXXX, I sent a complaint about the XXXX mortgage companies that I have been dealing with, XXXX XXXX XXXX and Carrington Mortgage. My loan was sold from XXXX to Carrington Home mortgage. The most up to date documentation received from Carrington Mortgage has become a conflict. Last year Carrington Mtg stated we owed them {$32000.00}, ( from XXXX the previous lien holder ) and after I contacted your office I received information that Carrington mortgage would accommodate the modification that XXXX had started. We obtained a lawyer and paid {$4000.00} for services for the loan modification with Carrington. The lawyer worked with Carrington from XXXX XXXX until XXXX XXXX, at that time we received the loan modification from Carrington. 

The pre trial payments begin for three months which were all sent to Carrington 's office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX. The four payments after that and the last payment was forwarded to the lawyers office which was the same address the other XXXX payments previously sent. 
We contacted Carrington mortgage and was told that they could not speak with us because we had a lawyer. When I finally spoke with someone he stated that he saw the payments from XX/XX/XXXX-XX/XX/XXXX in the system but they had not posted to the account because we have a government loan and asked me to send the bank statement to show check payment and amounts paid. I was then told to contact the case manager XXXX of Carrington but have not been dignified with a response since XXXX XXXX, XXXX. As of today Monday XXXX XXXX, I have not been able to contact the case manager of Carrington mortgage and the lawyers office of XXXX XXXX XXXX ( XXXX XXXX XXXX ) will not answer my calls. XXXX. I have been pondering the many different dates, amounts due and the recent foreclosure notice received stating the dates owed is XXXX XXXX to XXXX XXXX when we started the trial payment in XXXX XXXX and made the payments through XXXX XXXX. I have tried everything the correct way and returning to your office for the third time. Please help us save our home. In brief XXXX sold the loan to Carrington mortgage for {$260000.00} after modifying the loan to {$180000.00} the Obama bailout paid off the loan, Carrington mortgage modified the mortgage at {$180000.00} with a payment {$1200.00} stating we owe {$30000.00}. 

Here are the numbers and dates that are in question:1. XXXX XXXX, {$30000.00}. XX/XX/XXXX-XX/XX/XXXX {$10000.00}. XX/XX/XXXX-XX/XX/XXXX $ XXXXA foreclosure notice was sent in XXXX XXXX dated for XXXX XXXX {$12000.00} but checks were cashed from for XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2016-02-12
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: KINGS CREDIT SERVICES (CA)

Upon checking my credit report, I discovered that there was a {$450.00} charge from Kings Credit Service ( California ) pertaining to a medical bill that was from XXXX of 2011. This was the first time that I had ever received knowledge of the bill, and was confused about it because I was on XXXX in XX/XX/2011 '. I called the Agency ( KCS ), the woman that helped me said that back in XXXX of 2011 there were several failed attempts to contact me. She explained that all bills sent to my address were being returned and all calls made to the residence went unanswered. I asked for a verification of the address due to a confusion of why the bills would have been returned. She admitted that originally they had the wrong address, and that upon finally getting the right address, the bills were still being returned. I asked the woman how long it had been until they had the right address, she would not answer. She continued to tell me that at the number that I called her on was the same number that they attempted to reach me on, I believe she said three times, and that I must not have an answering system. I assured her that there has always been an answering system on our telephone, and that it does not ring so many times as to assume that there was not XXXX. She said that she did n't know, just that I signed an agreement that I would pay regardless of whether there were problems with insurance or not. She then asked if I could pay some of the balance, seemingly disregarding everything that I had told her. I told her that I would not make a payment at all, as I felt that it is not my fault that they failed to contact me when I was more than available. Given that I had medical insurance at the time, I would have gladly taken care of any bills that I knew were outstanding.
Consumer complaint received 2015-07-12
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP (NJ)

I have been a XXXX XXXX prepaid card customer since XX/XX/2015. The card was issued by XXXX, XXXX and serviced by XXXX XXXX, XXXX, XXXX. 
On XXXX XXXX 2015, I called customer service to request to close my XXXX XXXX prepaid card and get a refund for my balance. I spoke to XXXX in the risk management department, he asked me to send the following documents via email to XXXXXXXXXXXX : photo of front and back of my XXXX prepaid card ; photo of my Driver 's license ; photo of my social security card ; photo of a recent utility bill showing my name and address ; photo of me holding my driver 's license ( similar to a mug shot ). 

I complied his request and send the documents via email. On XXXX XXXX, XXXX called me again. After asking a series of questions from my credit report to verify my identity, he requested further documents, including the store receipts for the last XXXX XXXX packs I used to add funds to my account. I could not provide these documents because I threw them away after using the XXXX packs. XXXX said he could not issue me the refund without the documents. 

Per the cardholder agreement, 'In the event that your Card Account is cancelled, closed, or terminated for any reason and you have registered your Card with your personal information, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. There is a fee for this service. See the fee schedule above. We reserve the right to refuse to return an unused balance if the balance is less than the fee for sending a check. 'They already have enough information to verify my identity. It is a violation of the term to request so much more documentation just to process my refund. And quite frankly, it 's ridiculous that I have to send in a 'selfie ' with my driver 's license in my hand. 

Please help me get my refund! Thanks!
Consumer complaint received 2015-05-24
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (CO)

In XX/XX/XXXX our son was involved in a bad accident that let him XXXX. After years of not being able to work full time and issues with paying medical bills and other expenses we finally in XX/XX/XXXX had to declare bankruptcy. It was not what we wanted to do we worked for years to try and avoid it. We own our home and was worried about the Chapter XXXX bankruptcy hurting out lender. Our attorney advised us that we could re-affirm the mortgage no problem due to our situation. After debating a little while we then proceeded so we could start fresh again. We kept calling our attorney who proceeded to tell us that he still has not received the paperwork to re-affirm and that we should call them and let them know so we could get it taken care of. After speaking US Bank they would not give us any info on the re-affirmation due to the bankruptcy. We did understand where they were coming from and asked if our attorney could call and get the information on the paperwork. Neither the bank or our attorney would do anything to help. Our bankruptcy was then finalized in XX/XX/XXXX and we started calling the bank to start the re-affirmation proceed since we thought if might have to be done after the discharge. After going through several people at US Bank, we finally got to a supervisor that said she could help and that there should have been know issues with the re-affirmation and that it should have been taken care of. We asked why and she stated that they dropped the ball and the paperwork should have been sent out for the re-affirmation but, it was not. We then asked what we could do and she said at this point they would have to reopen the bankruptcy to get it done. She stated that it could take up to 6 weeks. She then said that she would call us back within XXXX hrs to let us know how they were going to proceed and help but, we never received a call back. We called back a few days later but, no returned calls. This was the beginning of XX/XX/XXXX and we still have not seen any results. We did send in a letter to US Bank asking that they start sending our statements to us again but, the statements all say the same info every month. We are still behind {$1200.00}. When I went through my bank statements and what has been paid to them in the last 5 months, I show that we are ahead on our payments by about {$100.00}. We are very frustrated and no one from US Bank seems to want to help. We are trying to get back on track and loosing out home is not an option since we not take care of a XXXX son XXXX. We need our home and stated to everyone that we wanted to keep it.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Stein, Wiener & Roth, LLP (NC)

I, XXXX XXXX make the following dispute against a law firm that avoided legal precedent pertaining to a lawsuit I filed in federal court XXXX 2015. Even though this firm was successful obtaining an order of foreclosure on my home, the guidelines have been established for decades of federal over state law intervention. I hereby attach copies of various letters to this law firm, as well as my claim that the XXXX defaulted in the legal process answering the initial legal claim. Even though my federal claim takes precedent, this law firm continued its foreclosure action avoiding my rights under several statutes including my rights under the Fair Debt Collection Practices Act. I request a full investigation on this illegal action against my home located in XXXX, New York. I request the Consumer Financial Protection Bureau to use my case as part of its ongoing process to protect consumers against abusive collection and/or foreclosure processes. My federal claim is still in process in the Northern District of New York, XXXX As Trustee, et al. Even though I still hold possession of my property, this very same law firm has extended its fraudulent practices by submitting an order of eviction with the county sheriff 's department to force egress into my home, evict current tenants and cause other financial hardships that are not legal. My complaint to the Federal Deposit Insurance Corporation and XXXX are hereby attached for review. 
Even XXXX eventually submitted a law firm on record to defend their position giving the case validity. XXXX defaulted on answering the complaint by three months from the legal guidelines. It is the taxpayers of the United States that are eventually paying these extraordinary legal fees to defend fraud being procured against private citizens. The federal case I filed in XXXX of 2015 is still a valid claim, and all aspects of this claim and declaratory judgment must be addressed before any future foreclosure actions can persist. For that matter, the initial foreclosure actions violated my rights under the Fair Debt Collection Practices Act, and an additional lawsuit will be filed against the firm in this matter, Stein, Weiner & Roth, LLP. This abusive process, whereas law firms turn a blind eye on the rule of law can not exist in a society built on rules of law.
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I originally opened up a XXXX Credit Card offered through my bank " XXXX XXXX XXXX XXXX XXXX ''. This account was opened in XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX as a member of the credit union. At some time thereafter, XXXX XXXX XXXX XXXX XXXX discontinued their offering of this XXXX Credit Card. In XX/XX/XXXX, I was notified by XXXX XXXX XXXX , XXXX representing Bank of America requesting payment that was owed to Bank of America. I had never been notified that my XXXX Credit Card was transferred or bought by Bank of America as I was notified by our bank XXXX XXXX XXXX XXXX XXXX that they no longer will be offering the XXXX Credit Card. Nor did I ever receive a statement from Bank of America requesting any payment owed on this Credit Card. At the time of the discontinuance of the credit card by XXXX XXXX XXXX XXXX XXXX, I had paid off all debts through that Credit Card. In an effort to bring this matter to a close, I came to an agreement with XXXX/Bank of America where we agreed to a full settlement payoff of {$100.00} ( settlement letter dtd XX/XX/XXXX ). The issue is that this incident is showing up on my and my spouse 's CREDIT REPORT as a " SERIOUS DELINQUENCY ''. I ask that this incident which was paid off in agreement in the amount of {$100.00} be removed from my credit report. I contacted Bank of America directly to ask that they remove this incident from my credit report but they said that I would need to file a complaint through the XXXX Credit Bureaus for them to consider and they referred me to the XXXX credit reporting agencies which they then referred me to your website as they could n't address my request to have this incident removed from my credit report.
Consumer complaint received 2016-03-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WA)

MORTGAGE companies have tooo much power over lending and following the rules for mortgages!!!! 
XXXX Mortgage bought my home loan from Chase bank knowing my mortgage and property was upside down and under water. I have been battling multiple mortgage companies since XXXX to process my mortgage under the XXXX program ; however, mortgage companies do nothing but stall, miss lead and sell my loan to other companies. Mortgage companies forced me into bankruptcy and destroyed my credit. I finally gave up battle to process my home loan under XXXX and asked for the " keys for cash '' program. Chase stalled ( as usual ) would not give information until XXXX XXXX that they sold my loan to XXXX. XXXX took THREE months to acknowledge they had my loan, refused to acknowledge our request to for keys for cash program ... ... NOW XXXX continues to stall and postpone the sell of the property for NO reason. My home counselor has never seen this treatment before ... ..Mortgage companies need to be held accountable financial treatment such as this!!!
Consumer complaint received 2015-07-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

I received an email on XXXX/XXXX/2015 saying Chase bank experienced some potential fraud and as a precaution they were sending me a new card. While waiting for the new card I continued using my old one. On XXXX/XXXX/2015 I went to withdraw money from the ATM to pay my rent and the ATM prompted me to call the bank in which I did. I was advised that the card had been deactivated and I should have already received my new card. The agent I was speaking to verified my address and advised me to check my mail box. XXXX which I do regularly ) After checking my mailbox and not finding the card there I rushed back to the bank and had a teller withdraw {$400.00} from my account. I then went home and called the bank again and advised the situation this agent then asked me to verify my address also and said the wrong address was on file. I advised the agent my address should have been the same address I have had on my account for the past 2 years. I also advised I just spoke with an agent earlier who confirmed my address through verification. The agent then updated my address and advised he would " rush deliver '' my card to me which would take 48 hours. It is now XXXX/XXXX/2015 and I have not received anything. I work Monday through Friday XXXX to XXXX. I rarely have time during the week to make it into a branch to withdraw money. I have 4 checks I need to deposit into my account but b\c of this inconvenience have not b\c I do n't have ATM access and have been forced to deposit them into my girlfriends checking account. 65 % of my paycheck is deposited into this account so needless to say this ordeal has been one of the worse inconveniences I have dealt with from ANY bank. I get paid Friday XXXX/XXXX/2015 and will have to go out of my way to go into a branch to withdraw majority of my money to keep from going back. I am a man with small patience and closed my XXXX XXXX XXXX account for inconveniences as such and although I may not be valued as a customer here I am sure another bank will value me.
Consumer complaint received 2015-11-04
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Debt Mediation, Inc. (GA)

I have contacted this company several times asking them for debt verification. I have also contacted the original apartment complex and they told me to contact the CA. They are trying to force me into paying this debt that I do n't owe. They dont have a lease. We even went to court with this company and they ca n't even provide me with the transcripts from court.
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

AS I WAS GETTING A BACKGROUND CHECK FOR NEW EMPLOYMENT I 'VE RECEIVED A COPY OF INCORRECT INFORMATION AS FAR AS ADDRESSES I HAVE NEVER RESIDED AT BASED ON SOMEONE USING MY NAME IT IS ALSO SHOWN ON MY CREDIT REPORT.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

I have repeatedly submitted evidence to Equifax demonstrating an account " XXXX XXXX '' they are reporting as " part of bankruptcy '', was NOT included in my bankruptcy. I have included a copy of my bankruptcy schedule ( attached ), to show it is not included. ( BOTH XXXX and XXXX removed the bankruptcy information listed on this account, immediately, upon first request. ) I have now disputed at least 3 times with Equifax and they refuse to remove this incorrect information. Equifax has the physical evidence that they are incorrectly reporting this information, and yet they willfully and deliberately continue to. They have received evidence via certified mail as well as uploaded online. Attached is a copy of my most recent letter to Equifax , and all supporting documents provided to them, ( the same as was provided to each of the other XXXX credit reporting agencies. ) This deliberately and incorrectly reported information is drastically affecting my life and is tantamount to fraud. I respectfully submit my complaint against Equifax in hope for assistance in fixing their harm. Thank you.
Consumer complaint received 2016-03-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: N.A.R., Inc. (ID)

I am disputing this debt because it is not mine, I did not receive any services from XXXX. I signed a prescription purchase agreement for and in behalf of my mother XXXX, on XXXX/XXXX/14, having her Power of Attorney, for her healthcare. XXXX turned me personally over to N.A.R. collections for this bill. These prescriptions were for my mother, she being the patient at the XXXX Idaho, the pharmacy would not provide services unless the agreement was signed. XXXX had XXXX XXXX number and was instructed to turn the bill in to them at the time of service. XXXX was completely covered by XXXX at that time. XXXX has been deceased since 2014. I want this collections charge reversed as it is not my responsibility and is affecting my credit rating. N.A.R. has contacted me demanding I personally pay for these charges because I signed the agreement.