davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: KEYCORP (FL)

I recently became unemployed and reached out to Key Bank for a work extension. They initially told me to get my start date of my next job, which I did then they told me they also needed my salary which I am waiting on for HR to call me with that information. When asking keybank about lowering my payments from a whopping XXXX a month they said that this is something they could not do because I had exhausted my 18 months ( for the entire loan ) of deferment/forbearance time. They told me to contact XXXX XXXX who I pay the loan through to see if they could lower payments, which I did and they also said there was nothing they could do either. They checked to see if I could get graduated payments which would lower payments for a number of payments then skyrocket payments towards the end of the loan which is not the goal either. I understand that I am responsible for the loan and the payments however no one is willing to work with me in order to make the payment of the loan more reasonable. They keep telling me there are stipulation and regulations that must be followed. At one point when I first started paying the loan back, one customer service representative told me I should have done better financially preparing and that there was nothing they could do. I am an XXXX going into my XXXX year of XXXX and sadly enough after getting and completing several degrees I still do n't make nearly enough money to comfortably pay my bills and student loans. I will not make over XXXX dollars in this upcoming XXXX year. I would think after completing my XXXX degree it would be different and it is n't. I would be okay with a lower interest rate or lower payments, something more reasonable like XXXX to XXXX monthly. Keeping in mind that I still have federal loans to also pay for. Again I am aware that this is my responsibility and I am not trying to get out of paying the loan, but for each company to continue telling me there is nothing they can do is unacceptable. Its as if they do not care to work with you to make sure the loan gets paid. Since I started repaying this loan back in XXXX, I have been on time with the payments. I would love some help to better help me pay this loan on time and more affordably. Thanks
Consumer complaint received 2016-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

over the past 2 years Bank of America has harassed m by misstating my requirement for a HARP loan and or modification by requesting the same documents which were sent and than stating they had aged over 90 days and requesting the same information multiple times and finally offering a modification which caused more hardship than relief. Seems as if they are simply not interested in the proper use of HARP funds entrusted to them to offer help. Late charges were overstated even though payments were not late as per the terms of the contract as well as escrow accounts being over stated even though we were trying to resolve the issues and there is no one to stand with me. In regard to checking accounts, transactions are manipulated to allow them to charge more fee. Larger amounts paid first so that account shows overdrawn and smaller amounts processed out of order and fees charged. Guess they need the money. I believe they are in violation of state and federal statutes relating to XXXX treatment. I was out of work for 4 months in 2015 for XXXX problems and suffered XXXX issues as a result of the XXXX over the actions of Bank of America. They have reported me to credit bureaus as being 4 months behind in mortgage payments even though I had tried many times to discuss the issues and communicated by phone and letter with no resolution other than continuing harassment. What to do??? I have tried to refinance with other companies but could not do so primarily due to alleged late mortgage paymnts.
Consumer complaint received 2016-04-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

It 's almost comical about how hard it is to do business with USAA or how hard USAA makes it. USAA is impossible to deposit cash with and their XXXX store locaitons do not take cash. 

I recently was paid in cash and went to get a few money orders that were certified payments, yet USAA insists on putting everything on hold. This is a nightmare! 

The iPhone app they say will tell you if the deposit is going to be palced on hold before you deposit and this is true only some of the time. I find that other times after the deposit has been made only then do I get notified that the deposit is going to be placed on hold for " security '' reasons ... yeah right ... .security ... More like USAA wants to hold my money and invest/lend it and then release it to me 6 or 7 days later. Sounds like a good scam to me. This makes no sense. I have yet to deposit a check into my USAA bank account that has bounced. 

Whatever happened to banks doing the right thing for their customers? 

I ask that USAA not contact me by phone regarding this matter, by mail only.
Consumer complaint received 2016-04-09
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (FL)

On XXXX XXXX, XXXX our mortgage with XXXX was discharged through Chapter XXXX bankruptcy. We received approval of the loan modification on XXXX XXXX, XXXX. Today, we receive a welcome letter from Statebridge, LLC, dated XXXX XXXX, XXXX, advising they are debt collectors but no mention is made of our approved loan modification which is current. Our concern is that Statebridge is not honoring the XXXX HAMP Loan Modification and we are starting all over again! Please assist!
Consumer complaint received 2016-04-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been the victim of identity theft fraud for more than four years. Someone obtained my personal information for the purposes of fraud in XX/XX/XXXX and again in XX/XX/XXXX, when my car was broken into. The thieves stole my vehicle registration, a copy of my drivers license, insurance card and XXXX suitcases full of luggage. 

On or after XXXX XXXX, someone applied for XXXX capital one accounts in my name and proceeded to use it and pay the bill as if it were their own. I have reported this fraud to capital one on more than XXXX occasions and they have yet to resolve this matter. 

On or after XX/XX/XXXX, I spoke with the fraud dept at Capital One and they stated that both accounts were being removed from credit bureau due to them being fraudulently opened accounts. To date they both still remain on my bureaus. 

I want these accounts deleted from my credit file and I want Capital One to remove all negative information from their database.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX EXPERIAN XXXX 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 XXXX XXXX  to my XXXX, my XXXX, my mode of living and to my XXXX! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX 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 2016-04-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I spoke with them few months back, after my mother had became very sick. Explained that with her health problems, I need to reduce or delay my payments. They subjected the hardship program, said it would defer my payment for 12 months. I accepted and everything was fine for few months, then started getting treating calls & letters. I expected that since the offered me the program they should at least live up to there terms that they agreeded to. Wish I had never had anything to do with these people!! Do n't keep there word or agreements!!
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute on my report XX/XX/2016 and sent in proof that the account was released. This judgement was entered in error and is now preventing me from getting a loan. It has been greater than 14 days and I simply do not have time to continue to send letters when proof has already been sent over.
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Management Incorporated (NY)

On XXXX/XXXX/XXXX a XXXX XXXX from Debt Managment Inc dba Capital Recovery Systems ( physically permanently closed ) with ONLY a PO Box and phone numbers, did : 1. Falsely state a ( discharged ) debt was not removed from credit reports because I was n't on credit report sites. 2. Was provided with an confirmed receipt of Bankruptcy Discharge XXXX/XXXX/XXXX notice taken directly from XXXX site. 3. Upon proof of his false statement, XXXX XXXX then flatly refused to do anything to remove from credit reports, a collection matter included in a discharged bankruptcy, which unlawfully appears to be an active collection matter when it is not. 4. XXXX XXXX is intentionally and unlawfully causing harm to me by way of false information on my credit report.
Consumer complaint received 2024-10-12
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it XXXX concern, I recently obtained a copy of my credit report and am writing to dispute the following information that appears on my reports from XXXX, TransUnion, and XXXX. Please verify or remove the following accounts immediately : XXXXXXXX XXXX XXXX Account Type : Auto Loan ( Installment ) Account Status : Closed Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( TransUnion and XXXX ) Current Balance : {$8100.00} Payment History Issues : Repossession, XXXX days late I dispute the accuracy of this account, particularly the reported repossession and payment details. Please investigate and remove any inaccurate information that can not be verified. 

XXXX XXXX Account Type : Auto Loan ( Installment ) Account Status : Closed Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( TransUnion and XXXX ) Current Balance : {$15000.00} ( XXXX ), {$16000.00} ( TransUnion and XXXX ) Payment History Issues : Repossession, missed payments, charge-off I dispute the balance and the payment history reflected in this account. Please verify or remove any inaccurate information. 

XXXX XXXX XXXX Account XXXX : Charged off I do not recognize this lender or account. This account was charged off and reported on taxes, yet I have not received a XXXX form. Please remove this inaccurate information from my report. 

XXXX XXXXXXXX XXXX Account XXXX : Unknown I do not recognize this lender or account. Please remove this inaccurate information from my credit report. 

Additionally, I dispute the following hard inquiries as unauthorized or inaccurate. Please delete them from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX, XXXX. XXXX on XX/XX/XXXX I do not recognize these inquiries or recall authorizing them. Furthermore, I never received a product or service related to these inquiries. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I demand that these items be investigated and removed if they can not be verified. I understand that you are required to complete the reinvestigation within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX was closed in XXXX. XXXX XXXX continues to report late payments on my credit from XXXX until XXXX. There should not be any late payments on a closed account
Consumer complaint received 2017-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (SD)

I receive calls from Penn Credit 3 to 4 times a day. Each time it rings no more than one or two times, never even giving me the opportunity to answer the phone. I have no loans with them and I have no late payments with them or any other company. On XX/XX/XXXX, I had a call at about XXXX MDT and again at XXXX MDT. In both cases the phone rang one time.
On XX/XX/XXXX, I had a call at about XXXX MDT and again at XXXX MDT. Again, in both cases the phone rang one time, not even giving me the chance to answer. I 've had numerous other calls from that under the same circumstances.
Consumer complaint received 2016-07-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (CA)

I have an interest only home loan that was to convert to principle and interest. I called in the past and was told the conversion date would be for the XXXX 2016 payment. I paid the normal payment amount in XX/XX/XXXX and apparently the information I had been given in the past was incorrect and my payment increased from approx {$2800.00} to {$3700.00}, a $ XXXX increase. I was not called and told that the normal payment was insufficient. I had no prior notice of the cost increase. Now, I am trying to pay the XX/XX/XXXX deficiency and the XX/XX/XXXX payment and I am unable to make a payment online or by telephone. I am going to be reported as delinquent and I do not think I should be since I was given incorrect information and no effort was made to reach me before the implementation of a late charge for the XXXX 2016 payment, let alone before the payment because delinquent due to the shortage amount. Clearly, there was a miscommuniciation on the amount due since I paid the normal monthly payment timely. I ask that they not report me as delinquent for XX/XX/XXXX as a result. I also ask that they not bar people who are delinquent from paying online or by phone. You say I 'm late, but wo n't let me pay? That is crazy. I also think it is terribly unfair given that I 'm supposedly 40 days delinquent and have n't received a single collection call to tell me so? This is especially hard to accept when I clearly paid the amount I normally pay - obviously this was a mistake. The risk of payment shock alone should have put XXXX on notice that extra attention should be paid to loans like this in its portfolio. It is terribly unfair and their prior discussions were very deceptive as to the payment date change. The key result desired, however, is for them to take the payment due and NOT report my account as delinquent. I am selling the home ( b4 XX/XX/XXXX for the sole purpose of avoiding the higher payments ) and buying a new loan and this will cause me great financial hardship in that I may not get my loan or it will be on much less favorable terms than have currently been made available.
Consumer complaint received 2016-05-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

I had a financial hardship in the months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and was n't able to make my car note on time. I called Nissan and told them that I would be late making my payments and wanted to know if I could get my due date adjusted. Nissan refused to do such but instead kept calling my home after XXXX up until XXXX at least XXXX times or more each day. Kept telling me you need to make your payment and I told the representative that I was having a hardship and had called to let them know and was refused payment arrangements. So Nissan put late 90 days on my credit report and now I am having a hard time getting credit to buy things that I need due to the 90 day late status on my credit report.
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one 's executive/fraud protection provides horrible service and inadequate protection for consumers. I have applied for XXXX credit limit increases and due to a fraud alert that is on my CBR, they have to call me to verify my identity. Their practices are antiquated and are not designed to protect the customer, but rather to discriminate and cause the customer undue hardship. They literally have it set up to call me once a day at the times I work. Due to me being unavailable at the time, they leave XXXX message, if they leave a message at all, explaining XXXX. I ca n't call them back to return the missed call, they ca n't call me when I am available, everything is centered around inconvenience and rude team members. I have taken this same complaint all the way to Capital one 's executive team last year in XXXX. I spoke with a nasty rude account executive and now I feel like Capital one is holding me hostage. I just have to take their subpar service and their is n't anything I can do about. At this point their practice needs to be investigated and changed. Clearly, they wo n't listen until a complaint like this is filed. I have attached a facebook conversation with capital one regarding this issue. Clearly they do n't care
Consumer complaint received 2016-08-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have complained before about our family home of 23 years being stole from under us by Huntington Bank Mortage. We paid everything they asked and they still foreclosed on our house. My grandson who is XXXX XXXX XXXX now is now in counseling because of the XXXX this bank has put us threw. It took " 5 years '' to foreclose on the house according to Huntington Bank. The XXXX XXXX sheriffs office harassed us for months and we finally packed everything into a storage unit and had to leave a lot behind and left. Then on XXXX XXXX XXXX ( my daughters birthday ) they sold the house as a sheriff sale to Huntington Bank for {$48000.00} ( who " owed '' the house in the first place ). Then XXXX5 months later Huntington Bank sent me papers stating I needed to insure the house which we do not own. I called the higher up at Huntington Bank and they stated there is no record of the house being sold and/or foreclosed on. We then received another notice a month or so later stating we still needed to insure the house. Then on XXXX XXXX XXXX at XXXX we found out that the house was going up for a public auction online where the auctioneer stated the house was sold but XXXX XXXX still has the house in Huntington Bank as the owner. We have been threw XXXX with this bank and I am very disappointed in this Bank as well as XXXX XXXX. There was no professionalism at all dealing with this house and will NEVER have another bank loan again! We are currently living with family members and my daughter and grandson are now in government housing.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is not a duplicate of XXXX. Please do not get this complaint confused. This is a new complaint. Please do not get this confused. The first complaint was mentioned XXXX XXXX XXXX XXXX which was wrong. This is regarding XXXX XXXX XXXX XXXX. 

TransUnion has refused to reflect all of my payments that I have made to XXXX XXXX XXXX XXXX car installment loan. On TransUnion reports dated XXXX XXXX, 2016, and XXXX XXXX, 2016, and XXXX XXXX, 2016, my XXXX, 2016, payment has been omitted. Also, XXXX of the officials stated that my low credit score would change after 3 months of payments on this car loan and it has not. It appears that TransUnion deliberately refused to reflect my timely payments to XXXX XXXX XXXX XXXX thus placing my account in the negative affecting my credit score. I have letters from XXXX XXXX XXXX XXXX stating that acknowledgement of my XXXX payment was sent to TransUnion on XXXX XXXX, 2016.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have XXXX different names reported on my Trans union credit report and XXXX addresses that do not belong to me. I recently sent Transunion a copy of my drivers license as proof of my correct name and that I have not used any other names to apply for credit or any other paperwork. They refuse to correct my report to the correct name which is XXXX XXXX XXXX. The names that need removed are XXXX XXXX o XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I will like to make a complaint against nation star mortgage, my mortgage originated with XXXX bank who sold my mortgage to nation star. In XXXX, I received my escrow analysis saying that mortgage escrow shortage which was a total of XXXX more a month when I called them they could not explain to me the reason for the dramatic increase in my escrow. I also mentioned to them I switched insurance which was cheapier then the prior year and I asked for another analysis. They told me it would be completed in a week to call back. I called back to follow up with them a week and half later and they said they still did not have the analysis ready to call back in two weeks. I called back in two weeks and they brought the escrow shortage down to XXXX something a month. I asked them to explain to me what happened to increase it by so much and still have not gotten an answer. XXXX XXXX taxes are XXXX a year and insurance is XXXX a year. I feel uneasy about this situation being that no one can clearly explain to me why the increase is so much.