davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

In the month of XXXX I utilized my bank 's bill pay service by scheduling a time for a payment to be sent and received by at my local water utility company. This bill pay service has a service guarantee in their XXXXXXXX XXXX XXXX that states if the payment doesn't doesn't post in time, and you met the scheduling requirements, they would cover up to {$50.00} in late fees. I was charged two late fees ( For two utility accounts ) or {$7.00} each. 

I attempted to seek remedy for to be reimbursed through my bank. After countless phone calls, time spent on the phone, and representatives that would either transfer me or just take notes, I have to give up and submit this complaint. It's black and white in the XXXXXXXX XXXX XXXX that I should be reimbursed the late fees due to their service failure ( or their 3rd party service failure ). 

I have attached the XXXX & XXXX and review specifically the following : Payment Scheduling The earliest possible Scheduled Payment Date for each Payee ( typically five ( 5 ) or fewer Business Days from the current date ) will be displayed within the Service when you are scheduling the payment. Therefore, the Service will not permit you to select a Scheduled Payment Date sooner than the earliest possible Scheduled Payment Date designated for each Payee. When scheduling payments, you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non- Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one ( 1 ) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period. 
The Service Guarantee Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your Payees account. The Service will bear responsibility for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under Payment Scheduling in these Terms and Conditions.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-10-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

On XX/XX/XXXX I paid the last payment of the loan. On or about XX/XX/XXXX I received another statement that read that I owed {$8.00} because the payment received was not deposited before or on XX/XX/XXXX therefore interest owed was {$8.00} which was due XX/XX/XXXX. I paid the requested amount of {$8.00} on XX/XX/XXXX. The loan Co. did placed the payment for XX/XX/XXXX and did not credited it for XX/XX/XXXX. The Company has now billed me for XXXX, XXXX, XXXX for last charges of {$34.00} and it has increased to over 69.. In addition to those chargesI have being charged {$220.00} for recording fees. All of the charges combined are {$290.00} and they are growing. They have not cooperated, they wrongfully and correctly placed information on my Credit report. I spoke with five or more representatives of Specialized Loan Servicing with no positive results. The recording fees are the highest I have seen and in my opinion are a form of retaliation for my lack of knowlegde about not requesting a Pay Off amount. The Rep. Said that was my only oversight and that she sees not last payments and no balance to accrue late fees. I would like my Credit Report CORRECTED and A LETTER OF THAT THE DEBT HAS BEEN PAID IN FULL. THIS IS THE SECOND TIME I HAVE HAD TO FILLED A COMPLAINT AGAINST THIS COMPANY FOR THEIR INPUTTING ERRORS. PLEASE CHECK.

I have an complaint # XXXX-XXXX, filed on XX/XX/XXXX. I WAS UNABLE TO UPLOAD DOCUMENTS TO SUPPORTS MY COMPLAINT THAT THE REASON FOR THE SECOND COMPLAINT. THE COMPANY KEEPS SENDING LATE FEES BILLS. MY DOCUMENTS WILL PROVE I HAVE PAID IN FULL.
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2021 Is when I mailed off my credit dispute letters to the credit bureaus. It has been more than 30 days and still no investigation results. This is a violation of my rights.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I started since XXXX of this year dispute unverified inquiries with TransUnion. I send them 4 round of dispute letters to resolve this matter. I recently check my report and still have in queries that are hurting my credit score so bad.
Consumer complaint received 2019-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

This problem involves Mr. Cooper loans formerly known as Nationstar mortgage. I fail behind on my payments after 13 years of never missing a payment with a credit score of XXXX. This came as a result of losing my job. 
I performed odd jobs and tried to make payments online as I have always done. However, the company froze my account. I wrote them a letter to please allow me to make payments because I wanted to pay down what I owe but they ignored it. 

After 5 months, strangers started coming to my house because the mortgage company put my name, home address, telephone number to the public. During job interviews at one point, I began to get harassed by call after call from total strangers who got my number from Mr. Cooper. When I say harassed, I mean back to back to back to back phone calls from complete strangers asking to purchase my house. I would get 15 calls in one day frequently. 

I called them to complain and every single time they asked " what are the people calling you saying? '' I tell them and their response is always " interesting ''. The number the gave me for mortgage assistance which I have called 21 times ... every single time there's only an answering machine belonging to a Ms. XXXX. I left a message several times. Yet when they call back, there is only static on the other end. No human ever called back. Even when I called back immediately after the call, I would get the answering machine to whoever this XXXX is. 
I tried to test them by inquiring about refinancing and I received a call back in 5 mins with an actual human being. I told him about my problem and he promised to call back but never did. 
The entire time my house kept being invaded by complete strangers and phone calls multiple times per day. After several months ( 8 months ), I was finally able to get a real human being because I complained to XXXX. I applied for mortgage assistance, they denied and said I can appeal their decision. I followed the steps and appealed they ignored it and haven't responded in 3 weeks nor acknowledge receipt of the letter. 

I am still unable to submit a payment online and now my missed payment is XXXX dollars. Had I been afforded the opportunity pay what I could it would not be this huge amount. Nor would I have lost my job because of the multiple calls back to back from strangers they gave my cell phone number to.
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX I have tried requesting a copy of my credit report over the phone and in writing, I have also tried getting a copy of my credit report from XXXX XXXX XXXX and Transunion, XXXX, and XXXX are refusing to allow me access to my credit report. I am requesting that they send me a copy of my credit report so that I can check the status of any accounts that are on there as there me be fraudulent accounts on my credit report. As a US citizen I am allowed a copy of my credit report, and I am also a allowed a free copy every 30 days
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please correct the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX BANKRUPTCY DISCHARGED XXXX, XXXX XXXX Late Date XX/XX/22
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (TX)

I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
Consumer complaint received 2019-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC (MD)

My ex-wife ( XXXX XXXX XXXX - now XXXX ) and I ( XXXX XXXX XXXX ) are co-owners of a XXXX XXXX XXXX XXXX that is financed Through BMW Financial Services. She recently moved to Florida and went through the process of titling the vehicle solely in her name. Prior to her doing this I contacted BMW Financial and expressed my concern over her titling the vehicle solely in her name. I was not willing to do this unless BMW removed my name from the loan. I was told BMW would not allow this to happen. 

Well they did just exactly that. They issued a letter to the Dept of Motor Vehicles in the State of Florida giving them permission to remove my name from the registration and title. I feel now I have no recourse if XXXX fails to make payments on the loan. I was told by BMW Financial XXXX could refinance the loan and take my name off. This was the only way I would come off that loan. She is not willing to do that. Why would she? 

So my complaint is : BMW has caused by their actions to create an imperfect title. 

Resolution : Remove my name from the vehicle loan and make XXXX XXXX XXXX solely responsible for the existing loan or issue a new loan attached to the XXXX  XXXX XXXX that is now in her name only. Or at the very least a letter from BMW Financial stating that if XXXX were to default on the loan they will not seek restitution from me. 

I have attached a copy of the letter from BMW and a copy of the old title for the XXXX XXXX XXXX. giving this permission to remove my name from the title.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX, Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXX : XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX. 
Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A states, I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish my account without my written permission.

15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2021-02-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax, XXXX, XXXX  all three credit reporting agencies all use the same tactics disabling consumers from entering more than 210 characters when trying to file a dispute. 
This is a shameful tactic that has been allowed to go on unnoticed for so long. If we have a right to a dispute why do they have limits on how many characters are in your dispute?
Consumer complaint received 2021-08-11
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: Experian Information Solutions Inc. (FL)

So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to experian, XXXX  and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.
Consumer complaint received 2019-10-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

XXXX XX/XX/2019 - I refinanced my current VA loan and it was sold to Plaza Home Mortgage. I receive a letter from them stating my first payment of {$1700.00} is due by XXXX XX/XX/2019. 

XXXX XX/XX/2019 - I mistakenly send the first payment check to XXXX a month early and call to ask that they either 1 ) don't cash it, or 2 ) apply it towards my XX/XX/XXXX payment. They tell me they will do nothing with the check. 

XXXX XX/XX/2019 - my account shows that they have indeed cashed the check. I call to ask about it and am told that they have no idea where my money is since I do not have an account with them, yet. I am transferred to a " XXXX XXXX '', a manager. They demand proof from my bank that the check was cashed, which I provide from XXXX after several more phone calls. I fax the proof to the number she provided over the phone and hear nothing back for two weeks. I call them again and am told I can not speak to XXXX again, so I am forced to tell my story for what is now the fourth time to an entirely new person, as their records reflect next to no details of what has transpired. Finally, I am told that a letter regarding the resolution of the issue was mailed to me. I receive the letter and it states " Please note that the payment is fixed up to date and the account is current '', which I interpret as they were able to apply the funds they already took from me for the XX/XX/XXXX payment. 

XXXX XX/XX/2019 - I am getting hounded with calls after XX/XX/XXXX from XXXX. They call, let it ring three times, and leave no messages. When I call back, they have no record that they called me. I finally catch one such call and am told that I need to make my XX/XX/XXXXpayment. I ask what the records reflect as there should be no way that I still owe them money for XX/XX/XXXX, and am told that there is no record indicating such a thing. I am put on hold for 25 minutes to be connected to a manager who has a hard time understanding English. The call disconnects shortly after I am greeted.
Consumer complaint received 2021-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (IL)

Date : XX/XX/XXXX Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX National Credit System , Inc XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. 
This National Credit Systems collection account with the balance {$180.00} ( Original Creditor is XXXX XXXX XXXX ) is inaccurate because I paid this before it went to collection. I am requesting that the item be deleted. 
I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time.

Enclosed are copies of my 3 checks from my bank account supporting my position. 
Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Prosper Marketplace, Inc. (WA)

I received a debt collection notification letter dated on XX/XX/year> from XXXX XXXX XXXX XXXX XXXX for a Prosper account originated with XXXX. It states that my XXXX  account was now owned by XXXX XXXX XXXX XXXX, XXXX and the total amount of the debt amount was {$1300.00}. Following the notification, my Prosper account was settled with the collection agency. This settlement was completed on XX/XX/year>, and the balance was resolved in full. I received two emails from the collection agency : Agreement to Resolve Your Account letter issued on XXXX XXXX and Account Resolution Confirmation letter issued on XX/XX/year>. However, to this date, almost a year after it was settled and resolved, the balance is shown in my records as owed. The collection agency has failed to update my records in the credit reporting bureaus. I have made multiple phone calls to both the collection agency and original lender. Multiple times, they opened tickets to investigate the matter, but have never reached out to me with updates or results. I sent a letter requesting the collection agency to update my records. I request the Consumer Financial Protection Bureau to enforce compliance on the collection agency 1 ) to update my records accordingly and immediately.

2 ) to cease any further collection activities regarding this account 3 ) and ensure that no negative marks related to this resolved debt appear on my credit report. 

Thank you
Consumer complaint received 2021-02-16
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. (NV)

I reviewed a copy of my current credit report and I am showing incorrect information on my file. I attempt to dispute and have not received any results. I current student loan ( s ) are reporting incorrect. I was never late.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Your Agency has furnished the records ( see attached ) to the following XXXX XXXX XXXX Transunion, XXXX and XXXX. I have also filed previous complaints regarding the erroneous reporting accounts. You have previously been notified through these agencies regarding my dispute. Your agency has failed to be in compliance with the Fair Credit Reporting Act. Under this act your agency have failed at its duties pursuant to 15 USC 1681s-2 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 15 USC 1681s-2 ( a ) ( 1 ) ( B ) The these continuusly reporting of the folowing acconts. XXXX ( XXXX ) - ( XXXX ) XXXX, XXXX XXXX XXXX  ) - ( XXXX ) XXXX, XXXX ( XXXX ) - ( XXXX ) XXXX make your agency prone to suit pursuant to 15 USC 1681n and 15 USC 1681o i will also XXXX damages. To avoid any further actions I request that you Delete the accounts from Transunion, XXXX and Transunion within XXXX days of this complaint.
Consumer complaint received 2022-11-30
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX : {$1300.00}