davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

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 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

An account from USDA XXXX XXXX XXXX is reporting as a collection/chargeoff/delinquent. 
This account has a {$0.00} balance and should not be on my report. The " account lender '' promised removal, but has not removed. 
This account appeared on my reports in XXXX XXXX but is listed as being late since XXXX. Everything about this account is incorrect.
Consumer complaint received 2016-11-10
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CO)

Hello, I had a mortgage with Ocwen from XXXX. I filed bankruptcy in XXXX but reaffirmed the mortgage. I was never more than a week or two late on my payments. Ocwen for some reason, by what seems to be mistake, wrote it off of their books as a Charge Back. I continued making payments on time and then sold my home in XXXX. Now I am trying to buy a new home and am having troubles as they are seeing the charge back which should have never took place. I believe I was unfairly treated so they could write it off on their books.
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I am opted in to overdraft coverage, and unfortunately overdrafted my account by {$1.00}, with no charges smaller than that ( meaning it was only XXXX charge that sent me over ). I then was charged XXXX {$36.00} OD fees for a total of {$100.00}, leaving my account at $ XXXX. When I called Regions to sort out, they said that the way the charges were pending is what caused it, and that it was not a mistake.
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (WA)

I have applied for a credit line increase on several occasions. I have not received any information in writing as to why I was declined. After multiple calls to supervisors and customer service representatives it was determined that you are basing your decision from XXXX credit reporting agency that I am showing delinquent account/s. I have no delinquent accounts on my XXXX credit report. I am enclosing a recent copy of that report that clearly states I have no delinquency 's or derogatory information. Please fix this as I am a good customer that just want an increase in credit.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account was paid .... however prior to paying I agreed to pay balance in full provided negative information be removed. Information is still showing on my credit report. 

Tax Lien XX/XX/XXXX Released {$690.00} Public Record Details Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Released Amount {$690.00} Classification Lien Type Tax Lien
Consumer complaint received 2016-11-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I have not used my Citibank credit card for a period of time. On XX/XX/XXXX, I made a purchase with the credit card. This transaction was successful, but any future transactions were declined. When I called the Citibank customer services, I was notified that my Citibank credit card account was closed on the same day. I did not have any overdue balance and did n't get an explanation why the bank closed down my account. I am concerned that the involuntary closure of my credit card account will affect my credit score.
Consumer complaint received 2016-11-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc. (TX)

Basically i came to the end of my car loan, made the last payment and got a confirmation number. A week later the funds were still not taken out of the account, i called Mid Atlantic Finance back to find out what 's going on - they said the method of payment - check over the phone - can not be done for the last payment. I payed using this method for 15 consecutive months. When i payed off the car the first time the final payment was about {$330.00} + {$6.00} ( the XXXX is the fee just to make a payment ). When i payed it yesterday the new final balance was {$350.00} and the {$6.00} was waived. So basically i payed interest on an account that should have been closed, this constitutes fraud and after doing some research found all sorts of people with similar stories dealing with mid atlantic finance.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

After obtaining a home mortgage from Fifth Third Bank in XXXX XXXX, and closing with extreme difficulties and delays on XX/XX/XXXX, we had filed our complaint with your department. They responded on XX/XX/XXXX, after two months, with a letter justifying their delays & errors. They included a gift card for all of our troubles. Now, here we are almost a year later, with our money in escrow, we are hopeful that our homeowner 's insurance and property taxes will be paid by Fifth Third. We received our homeowner 's renewal dated XX/XX/XXXX, indicating that Fifth Third as a mortgagee, along with their address in XXXX and our loan number. What could go wrong? Well.. .yesterday, XX/XX/XXXX, we received a reminder from our insurance company that no premiom has been received for the XX/XX/XXXX renewal. I contacted the insurance company by telephone & they confirmed thar the annual premium is yet unpaid. I went to a local Fifth Third branch office on XXXX XXXX. in XXXX XXXX, who made a phone call to a mortgage department in either XXXX or XXXX. They would not talk to the personal banker to verify if the escrow dept. had the correct information regarding our insurance company. The banker gave me an XXXX number to call. I called this number, it was n't the correct department, so I was transferred to another person, still not the correct area, so I was transferred a third time, was cut off, started the process again. After talking to XXXX different people, finally spoke to a XXXX, who works for a firm hired by Fifth Third to pay homeowner premiums ( not a Fifth Third employee, but by far the most helpful ). She looked up our account and said due to Fifth Third recently hiring their firm on XX/XX/XXXX, oor renewal declarations and invoice were NOT sent to their company. Could I contact my insurance company or copy my renewal declarations and send to this contract company so they could begin to process a payment that HOPEFULLY would get to the insurance company prior to XX/XX/XXXX?!? I did not create this error, Fifth Third is responsible and once again, I am doing the follow up due to their internal processing errors. The rep ( part of a call center that I can not talk to again ) said she would call our homeowner insurance company to ask them to AGAIN resubmit our declarations and invoice. No guarantee this will happen, so I must domy own followups to both the insurance company and Fufth Third. If I had n't gone tothe Fifth Third branch or called and FINALLY got to the correct person, I would 've assumed that Fifth Third was going to pay our renewal premium. There is no guarantee that this will happen before our policy renews on XX/XX/XXXX. Now I am concerned that our property taxes wo n't be paid on XX/XX/XXXX. I will have to start calling again to insure that they have received the same notice we have received. Is no one accountable at Fifth Third Bank?
Consumer complaint received 2016-11-10
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (NY)

I got a ding on my credit report from the XXXX bureaus of a debt collection from Midwest Recovery Systems. I do not know the company and I did not get any notice before they put a collection on my credit report. I do not do payday loan.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion removed the inquires due to a glitch in their system and then reinserted the information. 

Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP (OR)

My bank charged my account an overdraft fee, which I believe I did. But they are saying on the same day, I incurred another overdraft fee on another purchase. But I did not. I was constantly checking my account that day as I was XXXX shopping online, and it kept showing what purchases had cleared my account. One showed cleared on the XXXX, but was not processed through them till the XXXX, so in fact, they held the process, that had already showed cleared my bank, and posted it at the moment my bank was overdrafted-which of course caused another overdraft fee. I immediately deposited enough to cover the fees my bank charged me. So yesterday my account showed positive XXXX dollars, and this morning it shows they processed another item to show the process date-again at the time I was overdrafted. It is like they chose the exact time, I was overdraft to process XXXX items, when I saw those items had cleared days before, now it shows those same items clearing on the exact date I overdrafted by XXXX dollars. So that XXXX dollars has now costs me XXXX overdraft fees of XXXX {$110.00}, for one overdraft. My complaint is, I did not make further purchases starting on the XXXX, until I saw they came through my acccount. So it comes through my account, but then they formally process it at the time I was overdrafted. I can not believe they can do this. yesterday I looked at my account and saw a XXXX purchase was posted on the XXXX. Now that same purchase has a post date of the XXXX. I put XXXX dollars in my account on the XXXX to cover my overdraft. They posted that same purchase again posted on the XXXX, the day I overdrafted, which gave them the right to charge me a fee again. They are clearing things one day, then moving it and posting it another day to suit them. I check my account everyday. Yesterday I was positive, this morning I have another overdraft fee????? Because they again moved another post date.of purchases. I asked them to remove the last fee, as it absolutely was not overdrafted, they told me they could only remove one fee a year. What??? The fee they charged last time, was also their fault. Can they keep clearing and then re-posting purchases to cause overdraft fees, and then say, well sorry we have already removed one this year. I am a single mom, and every penny is important to me, and now they have made an XXXX dollar mistake, into XXXX cost to me.
Consumer complaint received 2016-11-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

According to documentation I received from both Wells Fargo Home Mortgage and XXXX XXXX XXXX, XXXX, Wells Fargo Home Mortgage sold my mortgage and the note to XXXX XXXX a/k/a XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX became the servicer of the mortgage XXXX/XXXX/XXXX. This is in direct conflict with the information which was recorded in the XXXX County records. The assignment of mortgage which was recorded in the XXXX County records shows that XXXX purchased the mortgage and the note from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX. There is no assignment of mortgage filed with the XXXX County court system or public land records which shows Wells Fargo Home Mortgage as being the owner of the mortgage or the note or having the authority to sell my mortgage and note to XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX How can BOTH XXXX XXXX a/k/a XXXX XXXX XXXX and XXXX purchase the same mortgage and note when the dates and the ownership information is in direct conflict with the information which is recorded in the official XXXX XXXX XXXX? How can BOTH XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX AND Wells Fargo Home Mortgage SELL the mortgage and note? XXXX COMPANIES CAN NOT OWN THE MORTGAGE AND THE NOTE AT THE SAME TIME. XXXX XXXX XXXX XXXX, XXXX purchased the mortgage and the note on XXXX/XXXX/XXXX, and the assignment of mortgage for this transaction did not get recorded in the XXXX County records until XXXX/XXXX/XXXX. Yet, Wells Fargo Home Mortgage states they sold it to XXXX XXXX a/k/a XXXX XXXX XXXX on XXXX/XXXX/XXXX. This is IMPOSSIBLE. When the assigment of mortgage, purchase, sell from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX occurred on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX had been defunct for 2 years prior. How can Wells Fargo Home Mortgage sell anything pertaining to my mortgage and note to XXXX XXXX a/k/a XXXX XXXX XXXX when they did not own the mortgage and note? The official records recorded in the XXXX County records shows that XXXX purchased BOTH the mortgage and the note from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. The assignment of mortgage which has been recorded in the XXXX County records shows XXXX different companies on it. XXXX XXXX XXXX, XXXX and the loan number for that company. Wells Fargo Home Mortgage and the loan number for that company. XXXX. XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX and XXXX. I think someone has some explaining to do because according to the OFFICIAL RECORDS, there was major fraud committed.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Within Equifax the accounts of XXXX XXXX Bank Account XXXX is not mine and XXXX XXXX Account XXXX is not mine and I have reported it to the police. The account has not been removed from my credit report. I have attached the police report to this dispute. I have contacted both companies to try and resolve the issue. As, I have been disputing this problem for the last two months. I have told them that this not my accounts and they have stated that they have evidence that it is my account. I have asked them what sort of evidence they have, and they have responded that they have my social security number and birthdate. I have explained to them that the my data has been compromised and that would include my social security number and birth-date. However, they did not want to hear it and did not want to work with me. I have also offer to pay it as I just want it off my credit report. They said that i was able to pay it but they would not guarantee that it would be removed from my credit report. The XXXX accounts are not being cooperative and refuse to remove it from my credit report. The information that they have provided to me has not been a legitimate to state the accounts are mine. I have shown them that police reports have been filed and have made proof that my data has been compromised.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I 've been trying to get The Bank of New York Mellon to honor this agreement with your office. The Bank of New York Mellon and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. The Bank of New York Mellon never notified me of being in default nor have they sent any notice of acceleration. I have not received any statements as to who to pay from my original lender. The state court is fully aware the assignment is fraudulent ... because it was created and prepared by The Bank of New York attorney who is representing them in State Court. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth less?
Consumer complaint received 2024-08-02
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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (MD)

I recently re-opened a checking account with BB & T to go with the savings account I had with the bank. When I opened the account, I linked my savings account to the checking account for overdraft protection. I deposited the funds and used my debit card as normal. A few weeks ago I need to make a purchase with limited funds in the checking account. Mobile banking and online banking would not allow me to transfer funds from savings to checking to cover the transaction. 

A few days later, after all of my pending transactions posted, BB & T charged me several overdraft fees though I had overdraft protection. There was no real explanation given. I was charged nearly {$370.00} in overdraft fees though I had the funds in savings to cover all transactions and had overdraft protection. 

When I spoke with bank associates, I was told that they can only credit one fee ( which they did and later reversed ) and that my checking account was dormant though I had made deposits and withdrawals from the account at a branch. 

I understand paying for overdrafts if the bank pays for something for a person ; but if the person has the funds in a linked account and opts into overdraft protection, the person should not be charge such insane fees.
Consumer complaint received 2016-11-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Big Picture Loans, LLC (NC)

BigPictureLoans is claiming that I signed an agreement for them to take five payments of {$180.00} before any of payments will be applied to a principal balance of {$520.00} borrowed. I have paid them {$910.00} with a remaining balance of {$700.00}. I called the company to question the terms of the loan and they say that I agreed to these terms. I told them that clearly I did not understand these terms and that I would like to be refunded what I paid over the principal balance and one of the finance charges with my account being closed as paid in full. I was then told by the fifth supervisor in the overseas call center that I can make another payment and they will then close the account. I was told that my call could not be transferred to the home office in the state of Michigan.
Consumer complaint received 2024-08-02
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. (PA)

My account with those 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 in those account 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