davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (VT)

Regular payments in XXXX 2016 were misapplied to principal reduction resulting in loan becoming past due. 
Principal reductions displayed as payments in online banking Making additional call attempts to my work phone number after requesting no further calls at work as would not give purpose of call, gave appearance of phishing attempt. 
No attempt made to reach me at my home phone, cell phone, mail or secure messaging to notify me of the delinquency. 
Called ID displays phone number not listed on website, gave appearance of phishing attempt. 
Excessive customer verification procedures and refusal to provide purpose of call to my place of employment without my account number or social security number Inconvenient online banking forgot id or password functions No notification account is past due or due date indicator Not provided a VRU access code Refusal to speak with a collections manager Overall difficult customer experience to resolve error by phone Account not yet corrected. Reported XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-04-18
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Currently undergoing a Deed In Lieu with Wells Fargo that started in XXXX, XXXX ( last mortgage payment made in XXXX ). Throughout this process I have made every attempt that I know how to make, in order to facilitate closure of this DIL. I am on my third or fourth Home Preservation specialist ( since XXXX XXXX ) and every time I attempt to contact the current specialist, that individual is not available, nor do they return my call. I have gone into the local Wells Fargo Home Mortgage branch in XXXX, CA. in the hopes of learning something and utilizing an internal Wells Fargo email system. The local mortgage specialist did help by sending an email to my specific home preservation specialist ( at the time ) and CC 'd her manager. No reply was ever received by either party and when I emailed the local representative back, no reply was ever received. I have sent, and re-sent duplicate documentation ( multiple times ) whenever Wells Fargo asks for it throughout this time period. On the rare occasion I am able to talk to another ( not mine ) home preservation specialist, the typical response is that my specialist is assisting another customer, and that they would leave them a message. When asked to look at my account, the individual I speak with responds with the typical phrase " it 's in loss mitigation, we 're sending them an email right now and you 'll get a call back within XXXX48 hours. '' Call-backs never happen. This process has tanked my credit and I expected that. What I did not expect, was for this to last 1 1/2 years. Wells Fargo was given all information they asked for, within 8 hours of them asking. This lack of communication and action by Wells Fargo is damaging my abilities as a responsible consumer. I have multiple documents involved with this process and will upload them. I was contacted by the VA in XXXX, XXXX and in the VA 's notes from Wells Fargo, it shows that " the DIL has been approved '', however I am currently receiving letters post-dated after that information was posted to the VA representative. In XXXX, Wells Fargo procured homeowners insurance on this property due to my private insurance running out on XXXX XXXX, XXXX. I spoke with Wells Fargo Insurance division and relayed my concerns about Wells Fargo purchasing additional insurance on this residence, as I would no make payments for additional insurance on the property if I ca n't afford the mortgage, and that I did n't want to become delinquent to whatever 3rd party Insurance company Wells Fargo contracted with. Wells Fargo went ahead and purchased the insurance and I have been assured that I will not show as delinquent to this 3rd part insurance provider, even though they 're not receiving a payment from me.
Consumer complaint received 2024-09-03
Product: Credit reporting 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. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One continues to report to all 3 credit bureaus inaccurate info. pertaining to my credit history. Accordingly, on XX/XX/2013, the card company reports I was late for 30 days which is inaccurate. The account has been paid on time and has a XXXX balance.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Liberty Credit Services, Inc. (OH)

Ohio statute of limitations states I can not be sued on a debt that I fell delinquent on or made last payment on that is more than 6 years. Case # XXXX account number XXXX is for an old cell phone that the original case was from 2008 which means fell delinquent more than 8 years ago and no payments were made in 8 years which falls under statute of limitations and Liberty Credit is wrongfully attempting to garnish my wages and bank accounts. My name is XXXX and I can be contacted at XXXX or via email XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with TransUnion 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 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.

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! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (AZ)

I was at the end of a chapter XXXX bankruptcy when my note was transferred from XXXX XXXX XXXX to BSI Financial Services on XXXX XXXX, XXXX. I was never informed of this transfer ( presumably due to the fact that the bankruptcy was not yet discharged on that date ) and continued to make payments to XXXX. In XXXX of XXXX I received my first piece of correspondence from BSI, a NOTICE OF DEFAULT AND INTENT TO ACCELERATE. BSI claims that when they took over the loan in XXXX, the account was already two months in arrears and they only have payment through XXXX XXXX, making it perfectly legal for them to claim default. Again, I never received any correspondence suggesting that I owed more than I was paying. Additionally, BSI claims that they sent all correspondence to me in a timely manner, only they sent it to the wrong address, so I never received anything from them, and they would have received the returned mail back at their offices. In fact, I still do n't have all of my statements from BSI, though I have requested them via numerous phone calls, letters, and emails. 
I contacted XXXX to get a payment history to prove to BSI that I had been making payments on time, every month, however, the XXXX representative that helped me stated that my account was closed and they could not access anything on my account except to tell me that BSI was my new servicer and I needed to deal with them. ( Meanwhile, the payment history that BSI was requesting that I acquire from XXXX as part of the proof they required was already in their possession, something they received from XXXX upon transfer of the note. ) I sent BSI all of the proof that I could get from my bank ( cancelled checks and transaction ID numbers for electronic transfers ), and they denied my proof as being valid and submitted a Notice of Trustee Sale to me in XXXX ( while I and my BSI loan officer and his supervisor were supposedly looking for a way to resolve this highly damaging clerical error ). 
BSI has added late fees, miscellaneous administrative fees, back payments ( which include payments for months that were already submitted to XXXX ) and attorney 's fees to the reinstatement amount, which is now in excess of {$13000.00}. In XXXX XXXX, exactly six months after BSI acquired the note, BSI returned my checks to me instead of accepting the payments toward my account - to date, they have only accepted funds for my account that were transferred over from XXXX, none from me directly. And if their payment history can be trusted as accurate, it also appears that BSI has misappropriated the funds that they did accept on behalf of my account. They were charging me for taxes and insurance through an escrow account, but they had never paid those bills - they just paid them last month, AFTER I brought it to their attention. 
I have a complete history ( with dates and outcomes ) of correspondence and phone calls to both XXXX and BSI that I would be happy to submit as well.
Consumer complaint received 2024-09-03
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. (NJ)

After mailing Transunion a dispute letter asking them to investigate accounts and information that's being reporting inaccurately and unlawfully, they have yet to respond to me with any updates about an investigation nor did they fix any of the errors. I am aware that it is their duty to be compliant with the laws that they agreed to in which they failed to do what's fair and equitable for me as a consumer. The information listed in my dispute letter can not legally be verified inn where there is no signed contracts, agreements, or receipts between me and the creditors reporting the alleged debt. How can they report any account if by law there must be proper verification? How can I owe a debt without a proper agreement or contract set in place? By them reporting these accounts without my consent to share my personal information, there creditors listed in my dispute is in violation of violation my right of privacy. I mailed them a letter asking them to cease all communications with me in which they are legally supposed to stop contacting me which means stop reporting this account through any medium. Violations committed by Transunion and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Consumer complaint received 2016-06-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (TX)

I purchased furniture XXXX XX/XX/2015 via Synchrony Bank 's 12 mos. no interest if paid in full in 12 month 's. I rec 'd a letter in the mail on XX/XX/2015 from Synchrony Bank stating that the acct. was charged off and sold XXXX. Company as a collector. I never once rec 'd any bills, phone calls, emails from XXXX or Synchrony Bank prior to account being sold. When I rec 'd the letter, I called XXXX and Synchrony, neither were willing to help me. 

I had absolutely flawless credit until this. I had no intentions of not paying. I was not given the opportunity to pay. I am very upset after XXXX years of excellent credit to have this happen. I would like to see this issue resolved Fairly without damage to my credit.
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I requested for a credit report and score to know where I stand but nothing is showing up like I am deceased. I attempted to get the XXXX report but is showing no score at all, even the FIDC score as well. I recently requested for XXXX reports from Transunion and XXXX but it said they could not pull up a credit report. I find that very odd and that explains why my requests for loans were denied repeatedly.
Consumer complaint received 2017-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

This company repeatedly calls and fills up my voicemail with people speaking in terrible English about my student loans. I do not receive statements from them telling me when my payment is due. I have just been diagnosed with XXXX and am currently struggling and they are unwilling to work with me. All they do is call and call while I 'm trying to recover from my current episode. They are also making it difficult for me to receive important phone calls from my doctors because they fill up my voice mail. They use an autodialer to call me on my cell phone which I have specifically asked them to stop calling. How can I make payments when I do n't receive any statements? They give me no options on alternative payments just harass me daily.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX MEDICAL ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX MISC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

In 2008 I had business bankruptcy. My wife and I paid off all our debts accordance to judge decision and our credit score slowly started going up. Now I have over XXXX score with XXXX and XXXX but Experian score is only XXXX! We do n't have any credit cards since 2008 and XXXX late payments since 2008 so there is no reason for Experian to give us XXXX points less than the other XXXX agencies. I called Experian many times trying to figure out why my score only with this agency so low and because of Experian we can not get any credit cards at all. Unfortunately Experian refuses to change anything saying " it is not us - contact XXXX '' and .... XXXX of course saying " nothing we can do about it - it comes from Experian - so contact them '' Its like " Catch XXXX situation '' - there absolutely nothing wrong with our Experian credit report ( we have XXXX negative items on their report ) but they can not change anything and XXXX can not change anything. The most frustration is ( according to Experian ) since there is " nothing wrong '' with my credit ( of course we are never late and do not own any credit cards and almost no debts ) there is nothing to fix! 
we even bought XXXX XXXX about 6 months ago by using XXXX XXXX and paid if 100 % back but even this did not improved our score with Experian!!! I have the only question : is Experian is about the law and they can XXXX anyone, anytime and can not be hold responsible?
Consumer complaint received 2016-07-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.