davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Experian is reporting a late payment for the account XXXX  Account # XXXX the late payment is reporting for the month of XX/XX/year> this information has not been verified as accurate. Please produce the necessary documents to support this information. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX, Experian XXXX & XXXX are reporting late payments on the account listed as XXXX XXXX  Account # XXXX these late payments are affecting my credit score and they have not been validated as accurate and credit card payments can not be treated as late payments. XXXX is reporting late payments XX/XX/XXXX and XX/XX/XXXX. Experian lists late payments XX/XX/XXXX and XX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX these payments do not match up so this account has not been validated. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-09-01
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. (MA)

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$17000.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I am writing to complain about the Fidelity XXXX XXXX XXXX XXXX XXXX XXXX issued by FIA Card Services. 
Consistently, every month, my spouse or I are declined at the point of sale for small amounts, such as today for {$5.00} for an XXXX transaction and a {$64.00} meal transaction at a restaurant in the same city that I live in. And consistently, we have to be embarrassed at the point of sale followed by a call to Fidelity Card Services, where they trot out the same old excuse of fraud scanners and analyzing for suspicious activity. This happens at least once every month and they claim that they will rectify it. It is at the point where I plan on closing the account because of the level of interruption.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX  I tried depositing {$1500.00} all in XXXX at the Wells Fargo in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at their atm The machine ate my money, reset, black screen. No receipt, no money back out, and not reflected on my account. Please Wells Fargo provide me a provisional credit while you investigate this,
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Experian continues to report an account incorrectly. The account listed as XXXX XXXX XXXX XXXX Account # XXXX the account is listed as charged off which can not be correct. Any account terminated by any creditor the amount due is credited to the consumer so how are they reporting this account as such?
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$480.00} - Date Opened XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/scrub> XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MO)

Hello : I recently took out a {$180000.00} purchase mortgage with Cardinal Financial Company LLP ( loan # XXXX ) that closed on XXXX/XXXX/XXXX. On the closing disclosures I signed, the estimated monthly payment was listed as {$1200.00} and included Principal & Interest ( {$850.00} ) +Escrow of {$350.00} to cover taxes and insurance. However, when I received the first statement ( for the payment due on XXXX/XXXX/XXXX ), the monthly charge had increased by {$80.00} to a new payment of {$1200.00}. 

When I called Cardinal Financial the week prior to the XXXX/XXXX/XXXX due date to ask about the increase, they indicated that it was probably a charge for private mortgage insurance ( PMI ). I explained that there was no indication on my financial paperwork ( attached ) that there would be a charge for PMI. In fact, it specifically listed PMI as {$0.00}. 

I went ahead and made a payment in the amount of {$1200.00} ( the full amount listed on my closing paperwork ) and I notified Cardinal Financial Company LLP in writing ( by e-mail on XXXX/XXXX/XXXX and through certified mail ) that I wanted them to acknowledge the correct amount of my monthly payment of {$1200.00} in writing and correct it going forward on my monthly statements. 

I have not heard anything definitive from Cardinal, other than to hear that the matter had been elevated to upper management ( that was last Thursday, XXXX/XXXX/XXXX ). 

Since then, I received a letter from Cardinal ( dated XXXX ) that they had received my payment of {$1200.00} but would not apply the payment until they received another {$80.00}. In other words, if I do n't pay this additional amount, they will not credit my account and could report my payment as late. 

As I understand it, this is a violation of TRID rules ( RESPA and TILA ) and Cardinal is obligated to accept the payment in full as indicated on my closing documents. They can not charge additional fees simply because they want to. 

Since I have a high credit score and did make my payment on time ( on XXXX ), I am concerned that Cardinal Financial Company LLP is trying to extort an additional payment they are not due by threatening not to apply my on-time payment. 

Separately, I received notice from XXXX that they have purchased this loan. I imagine they wo n't be too happy to learn Cardinal misled me at closing. 

I could use your help in this matter. 

Thanks, XXXX XXXX
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

BANK CONTINUES TO SAY WE ARE MISSING A PAYMENT WHICH WE ARE NOT WHICH HAS THEM SAYING WE ARE LATE AND THUS HAVE N'T ADDED OUR PAYMENTS TOWARDS OUR MORTGAGE LOAN. WE HAVE BEEN IN CONTACT WITH OUR LAWYERS AND HAVE SPOKE TO OUR LENDER ON NUMEROUS OF OCCASIONS AND NOTHING SEEMS TO BE HAPPENING.
Consumer complaint received 2016-01-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase Bank decided to end the relationship with me and will not give me any reason as to why. They will not tell me anything at all. They are going to close my account in 10 days. They have frozen my account and will not release my funds.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have contacted all three credit bureaus over XXXX times about inquiries that I did not authorize. According to the FCRA, these unverified and unauthorized items should be removed. Despite providing documentation, they still have not taken action. Additionally, I received emails demanding {$6000.00}, threatening to release my Social Security number and ID photos. They gained access to my email, but I have since changed my password. I am simply requesting the removal of the inquiries that I did not authorize. Thank you.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX, Experian, & XXXX continue to report an account listed in my consumer report incorrectly. The account is XXXX Account # XXXX the account has several late payments listed that is incorrect. XXXX has late payments listed as XX/XX/2024 XXXX XXXX  and XX/XX/2024. Experian XX/XX/2024, XXXXXXXX XXXX, XX/XX/2024, and XX/XX/2024. XXXX XX/XX/2024, XX/XX/2034, and XXXX XXXX. These late payments are not accurately reporting and they do not match up. These payments should be updated as paid as agreed. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2015-11-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

There was a recall on this car and the car is return back to the company.XXXX XXXX XXXX ; Manufacturer imageVehicles Affected : Approximately XXXX model-year XXXX XXXX XXXX XXXX equipped with the XXXX engineThe Problem : The plastic engine cover may become dislodged and, if it comes into contact with exhaust components, pose a fire risk. The problem was discovered during an investigation by the automaker following XXXX incidents in XXXX ; in each instance the vehicle had been driven extensively on unpaved or uneven surfaces, XXXX XXXX Automobiles stated. XXXX said is aware of XXXX minor injury associated with the issue. 

The Fix : Dealers will install upgraded engine-cover retainers in the vehicles
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cornerstone Home Lending Inc. (TX)

Regarding : Cornerstone Home Lending XXXX XXXX XXXX, NJ XXXXWebsite : XXXX Account Overcharge : Cornerstone Home Lending is the servicer of my home loan. I made my XXXX payment on my new construction home in XX/XX/2014. My local bank sold my loan to Cornerstone soon after I closed on my loan. In XXXX, The XXXX County, TX Appraisal district Chief Appraiser came to my home, measured it and gave me an estimated tax amount. In XXXX of XX/XX/2014, Cornerstone paid my taxes of {$2400.00}. Since I had been paying an " estimated '' amount of {$500.00} / month since my XXXX payment, Cornerstone sent me a check for the overage in my escrow account of {$2400.00}. They still kept 2 months worth of escrow for a " cushion '' which I know is acceptable by law. But, Cornerstone DID NOT ADJUST the taxes part of my escrow. Cornerstone claims to have done an " Analysis '', but that is not true. Cornerstone never contacted anyone at the tax office. I have been calling and requesting this to be corrected since XXXX XX/XX/2014. I have been in person to the Tax Appraisal District in XXXX XXXX, TX and verified my total land/property taxes. I have sent the documents from the tax office, with tax office phone numbers and contact info. to prove to Cornerstone they are in error. I have faxed these documents approx XXXX times. I only received an email recently after all this that said, " the tax documents you sent were for land only, and when my house is added the taxes will go up ''. This is foolishness. The value of the home is clearly shown on the document, along with the homestead exemption value. I have requested that Cornerstone correct my escrow payment amount and refund my current overage Immediately.My taxes and Hazard Insurance = {$2400.00} + XXXX = {$3500.00} /12 mos = $ XXXX month. I am paying {$500.00} /month for no apparent reason. Can you please help? 
thanks, XXXX XXXX
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (GA)

Received a collection letter on XXXX XXXX, 2015 for a delinquent account for XXXX XXXX Membership. My identity and debit card was stolen earlier this year. I was not aware that the person signed up for membership with XXXX XXXX nor have I ever enrolled for membership with XXXX XXXX. This collection company is threatening to put this information on my credit reports and attempting to collect {$210.00} for an account I never authorized.
Consumer complaint received 2016-01-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (MI)

Statebridge LLC has recently sold my loan with errors. My account payments are due on the XXXX of each month, my loan agreement includes a 10 day grace period. Statebridge has practiced that if my loan payment is not paid by the XXXX, I am automatically charged a late fee and the late submission is then added to my credit report. This company was a hassle to deal with ; as not a month did n't go by that Statebridge had something wrong on my invoice. I review my statements diligently due to their illegal practices and poor customer service. 
In XXXX XXXX, I went through all my data and rebuffed all of Statebridge late submissions to the credit union, they were removed due to proof of payment submission. 
On XXXX XXXX a money order was sent on XXXX XXXX and cashed on XXXX XXXX by Statebridge. I received another late fee and late payment on my credit report. 
I have contacted them 2 by email and had left 3 voice messages between XXXX and XXXX. The late information was sent to the new lender and I have not heard back from Statebridge.
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

From XXXX I have mortgages loans with Bank Of America. My original problem was an Auto Draft account used only for the mortgages payments. Seeing misapplied payments and wasting hours on the phone I decided in keeping it simple. So I closed the auto draft accounts and paid each mortgage in person by cashiers check only. Bank American would then apply payments to the closed auto draft accounts paying fees and such which they had already corrected but still shows back up. It took me XXXX times to force close those auto draft accounts. XXXX a manager with XXXX XXXX had directed me to make payments only by cashier checks payments in person for record which I did. All cashier checks are from XXXX XXXX. Then Bank America said I was missing several months of payments. As of XX/XX/XXXX XXXX personally helped by calling Bank Americas talking to several managers to resolve this. We would get a manager that would ask for several months copies of cashier checks starting in XX/XX/XXXX so we fax them copies.. She would always ask for a direct contact number which they said they did not have one and call customer services. XXXX also asked for a conformation letter for problem resolve which they would never send. A few weeks later the problem would started again with a different manager and same ending story nothing solved. Now all XXXX properties are all in a foreclosure. XXXX reviewed the statement they sent out which shows that I did not miss a payment and that Bank America had misapplied payments. Bank America now shows that my XXXX accounts are from {$1300.00} TO {$2000.00} behind and when asked which months they need a copies of the cashier checks to resolve this matter never gets resolved and is always a run around. Several times I personally went into a branch to resolve this and they told me I need to call customer service. Now working with a XXXX XXXX in the debt collector department goes on week after week. I also called her manager XXXX XXXX for three weeks now and he will not return my call
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score.
Consumer complaint received 2015-07-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (TX)

I am the step-mother of the " so-called '' debtor. They are claiming my son took out an online payday loan and used a Citibank check as collateral. My son has never had a bank account with Citibank nor has he done an online payday loan. They call my personal cell phone number to get to him. They also call him. We have asked for original documentation of said loan and they will not provide it. 

I was told me she was going to call me everyday until my son settled this loan that he did not take. They have his address listed as somewhere he has never lived. The middle initial is wrong and the year of birth is wrong, but they will not listen to us when we point these things out.
Consumer complaint received 2024-08-17
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. (NJ)

I need your assistance regarding this incorrect account listed on my credit report. This issue has harmed my reputation, and I require your help. Your mishandling of my credit report has deeply affected me, and because of your inaccurate reporting, my reputation has suffered. These inaccuracies need to be corrected so I can move forward with my family.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

I have disputed many things in collections on Equifax and they all come back " verified '' - some of the things, the original creditor information has already been deleted and removed from all XXXX due to SOL or unable to verify the account info. I have disputed the same things with XXXX XXXX AND XXXX, and they have all come back DELETED XXXX XXXX XXXX XXXX and an XXXX XXXX accounts have all been removed from the other XXXX, I even called XXXX myself and they can not locate any of my records, if I ca n't get them, how are they verifying ... this stuff needs to be removed NOW if they can not verify. XXXX of the XXXX accounts ( Salute / Tribute ) by FTC ruling they are not allowed to collect on these charged off accounts, but yet they remain - This is beginning to be bs ... the other XXXX removed them no problem. Even on XXXX the XXXX account is PAID and CLOSED as of XXXX 2010