davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AND XXXX was never late! I have had exceptional payment history witH capital 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. 

XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX never XXXXent 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 2016-02-10
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc. (TX)

they are calling my employer to get of hold me and when i call them they are telling me that i have a case in XXXX XXXX they refuse to give me the exact name of their company, address, so i can write a cease and decease letter to them.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one auto finance, XXXX XXXX, XXXX, and XXXX are violating my rights by reporting my late payments which are transactions with them on my credit report since XXXX although I have paid and is accurate and paid as agreed. They have reported my payment experience with them more than 20 times negatively affecting my credit profile. I have contacted Capital one and XXXX and they refused to correct the inaccurate information and treated my concerns as a validation request. This is not a validation request. I contacted Capital one auto finance and they confirmed that they made about 29 or more inaccurate late payment reports dated XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and grossly violated my rights under 15 U.S. Code 1681a - Definitions ; rules of construct ; EXCUSIONS of not reporting transaction experiences meaning late payments. In accordance with FCRA compliance standards I insist on the immediate removal of all 30, 90, 180, any day of the transactions reported.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-05-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a ck came in my acct for {$170.00} funds was low they paid it and charge me {$35.00} over draft fee, then XXXX foe {$9.00} came in when i already have an over draft they that and cause another {$35.00}. They paid a {$9.00} fee and charge {$35.00} which i think is a rip off because a few XXXX ago i had a ck for over {$100.00} came in, funds was not there that got return unpaid and charge me {$35.00}. also they charge me another {$35.00} because my acct was over for over XXXX days, i think thats double jeopardy. bk of Amer is the only bank that does that. i dont think the government should allow bank of America to continue to rip off consumers, also i was not aware that they would be an extra charge for being over draft fee after XXXX days. i contacted the bank and they refuse to reverse that exessive charges. Bank of America have been doing grave in justice to consumers for years, they have charges that no other Bank has. They need to be regulated. Please investigate. thanks
Consumer complaint received 2015-05-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

we lost our home due to the countrywide scandal.we could not/were not allowed to refinance our home loan due to a XXXX on our house held by a third party. for over XXXX years bank of america was completely resistive to helping and ulimately we lost % XXXX in our equity and our home.we have tried many times to get help through the white house with no results.we appreciate anything you can due. thank you.
Consumer complaint received 2024-10-09
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. (AR)

I am beyond frustrated because I found unauthorized inquiries on my credit report this morning with no explanation. I tried refreshing my browser, thinking it was a glitch, but the issue persisted. I need this corrected immediately, and I ask that my documents be reviewed thoroughly to resolve this once and for all.
Consumer complaint received 2024-10-09
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2016-02-11
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Turning Point Solutions LLC (OH)

I had a missed called on XX/XX/XXXX from XXXX. There was no message left, I called back and spoke with a man. I asked what company I was calling and he told me a totally different name from the actual company. I was told about a XXXX balance that was owed to check and go. I told him I never received a bill from them and I would like one and if I agree, I could make small payments. He told me that I could pay a settlement, I told him I do n't have it. He said, well we show your working full time, I said yes not for long because I am going out on medical leave. Can you please send me a bill. He then goes to tell me, the creditor can garnish my wages and get more than a small payment from me. And that he 's going to let them know I wo n't agree to pay them.
Consumer complaint received 2016-01-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

I am receiving emails with other individuals personal loan information from my student loan servicer Navient. When I tried to research their Privacy statement it is mostly directed to sharing information to third parties. I believe it has to be some kind of breach of privacy if I am receiving other people 's emails and makes me wonder who is receiving my personal loan information.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Podium Mortgage Capital LLC (AZ)

The lender I was going through pulled my credit to start the process. Then again 3 months later due to them dragging their feet on closing, then again 2 days later only to deny my loan due to me being a contract worker. That fact was disclosed to them in the application. I had to supply them with letters of good standing in my company. Sign and send numerous copies of full disclosure, bank account records, payoff statements, taxes for 4 years. All of which they asked for over and over again.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidence from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of hump trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX balance {$430.00}, XXXX Bank balance {$530.00}, XXXX XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX XXXX XXXX {$3500.00}, XXXX XXXX XXXX XXXX XXXX {$1700.00}.
Consumer complaint received 2016-02-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (TX)

This debt was charged off on 2001 and no longer on my credit report in any way. I do n't know how they found my information but they are trying to collect a debt that no longer exists. This is fraudulent.
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of America Ltd. (TX)

I reached out to this debtor from a debt that was incurred back in XXXX of 2011. The operator was very kind, I spoke to someone named XXXX. The balance that was showing up was {$100.00} on all XXXX credit bureaus. Maya informed me that due to daily interest accrual on the account the balance was now at {$140.00}. She was not able to give me the original debt amount prior to their addition of daily interest and fees. This is almost a 50 % increase from what shows on my credit bureau, not to mention that I really do n't even know what the original debt amount was at this point.
Consumer complaint received 2015-12-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SCOTTRADE BANK (CA)

Scottrade refuses to remove known-to-be-fraudulent information submitted to my IRS file. 
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XXXX XXXX, 2013, should be removed. Scottrade is in possession of a police report that supports this request.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (UT)

Around XXXX XXXX, 2016 - Barclays Card shut down XXXX of my credit card accounts. I believe the closure of these accounts were done in a deceptive way to entice me to spend money on annual fee 's, accrue miles/points in these accounts, and then to close my account with no notice ( verbal nor written ) and refuse to refund me for any of the annual fee 's, miles, or points I paid or accrued with them.
Consumer complaint received 2016-01-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX XXXX My checking account with Bank Of America was closed and reported to XXXX and XXXX due to an extended period of being overdrawn for {$190.00}. In XXXX of XXXX the total amount of {$190.00} had been paid to XXXX XXXX XXXX, the collection agency that had been assigned by Bank Of America to collect the debt. As Of XXXX XXXX Bank Of America states that their records indicate a balance is still owed on the account for {$150.00} and only XXXX payments of {$20.00} were received six months apart. I have contacted XXXX XXXX XXXX and was told that they no longer have records of an account and I would have to contact Bank Of America, contacted the bank as instructed and was again told to I would need to contact the collection agency to have them to verify and send updates to Bank Of America. 


The problem I 'm having is Bank Of America says they ca n't contact XXXX XXXX XXXX directly and the collection agency states they no longer have records of an account and I will have to contact the bank. I have made several attempts to get this issue resolved since XXXX and all I get is the bank stating there is still a balance owed on the account and you need to contact the collection agency and the collection agency rep. stating there is no record available in the system and will have contact Bank Of America. 


I have also disputed the account with XXXX and XXXX XXXX XXXX and their response is we have verified the account as reported.
Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OR)

tried to get a modification through carrington mortgage services, that 's who services my loan. I am 7 years behind on payment do to lay offs, been working steady last 2-3 years making XXXX more dollars a hour then when I bought the house. I been trying to get a modification for years and no luck. I have filled out and sent back modification after modification to be turned down. XXXX tried to help, We had 2 meetings, 1st one carrington said it looked good and might be able to help us. 2nd meeting did n't say much, know I am heading for foreclosure.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I am contacting you because I am exhausted after several months of trying to deal with the credit bureaus on my own. Several unknown accounts appear on my credit as well as addresses, names and addresses. I filed a police report, filed a complaint with the FTC and I filled out a fraud affidavit and sent that information into the credit bureaus and it appears my case is being over looked or no one wants to help me. 
I have tried to contact Experian in this regard for the past 7 months and I have not received a response after sending them certified letters that contain my disputesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

On XXXX/XXXX/XXXX my lender pulled my report and OCWEN was reporting a past mortgage almost correctly under my bankruptcy but still reporting a balance. I just had my lender pull a new report on XXXX/XXXX/XXXX and now they are completely violating the FCRA laws and completely ruining my ability to move forward with any financing. It now shows ( XXXX ) 90 day lates, the notes changed from CH XXXX BK to Foreclosure proceedings started XX/XX/XXXX, show a balance and a large past due amount. They need to report this correctly ASAP and confirm it is done in writing. I have included an attachment showing their malicious intent.
Consumer complaint received 2016-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (GA)

American Education Services refuses to delete a negative entry on my credit report even though they were not the legitimate servicer of my loan in XX/XX/XXXX nor were they the granuty of the loan. I have disputed this entry with them over 5 times in 2 years and each time AES comes back with the same old illegal excuse that they were in charge of my loan in XX/XX/XXXX and they continue to make adjustments to the number of days of delinquent payments and make remarks " This loan is permanently assigned to the Government ''. They know exactly what they are doing, this is not necessary because I consolidated my loans in XXXX under the Federal Government program so I could handle my loans more efficiently. They are claiming that they were the servicer of my loan in XX/XX/XXXX, when actually they were not the servicer of my loan. If AES was a servicer it was not listed on anything to verify their status according the XXXX XXXX XXXX XXXX XXXX web site, the government web site that has all the information listed about loans and the amount that is owed. XXXX, who is XXXX XXXX XXXX XXXX was and is the servicer and grantor of the loan in XX/XX/XXXX. So, what gives them the right to continue to report this negative entry on my report. They were listed in XX/XX/XXXX, but I went bankruptcy then, after bankruptcy XXXX were listed as the guaranty of the loan. I spoke to XXXX concerning this AES reporting and the person that I spoke to told me to call them which I did. AES allows customer service personnel to handles credit reporting, someone who does not have skills pertaining to other people 's life. I ask to speak to someone who is Supervisor or XXXX title. The lady I spoke too, XXXX, a Superior, but she did not say what kind of Superior, but her badge no. XXXX, denied that they are still reporting, but they are because as of XXXX/XXXX/XXXX, I received another refusal about deleting this entry or removing the remarks on my credit report from XXXX through email. She said they are only reporting because I filed a complaint, but if I do not complain, that means that everything on my report I agree with and I do not agree with them holding my report hostage when they are not responsible for servicing nor the grantor of the loan.
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (NC)

Elan Financial Services, offered a card through my bank XXXX XXXX in NC and closed it for non payment, with no notice. In addition, no invoices were sent and I was unaware there was a balance on my account. Clearly this is going to impact my credit rating. 
I used the card and then stopped usage of the card due to fees, and did n't use that card for many months ( around 9 months ). When I called about a question related to points, the firm informed me they closed my account for non payment, with no written info or calls. I validated that Elan Financial Services had my correct mailing and phone number on file and did nothing to contact me to inform me of any issue where by we could have resolved it.
Consumer complaint received 2016-02-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (PA)

My mother took out a loan for my college education with the Highe Education Student Assistant Authotrity in 2009. They made it seem that they were offering a federal loan. They sell themselves as being entirely affiliated with the state of New Jersey ; the state emblem and a picture of XXXX XXXX are on the front page of the website. They are, in fact, entirely private and I 'm filing this complaint because they 're misleading. I 'm also filing this complaint because they do n't offer income-based repayment or consolidation. They 're demanding more than {$1000.00} per month from me, a ludicrous amount for a new graduate, and there does n't seem to be any chance of paying anything less than that, ever. Negotation is out of the question. Their truly despicable customer service is part of this complaint but is the most insignificant. They present themselves as being federal but are neither federal nor private, they 're something else entirely.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Ditech Financial ( formerly Greentree Servicing ) withdrew {$2000.00} from my escrow account for annual property tax payment to the county. The property was under contract to be sold. Ditech never submitted the payment to the county therefore requiring me to make the full annual tax payment to the county out of pocket. The property has now been sold and my account is closed. I 've contacted Ditech weekly for the past month requesting they refund the escrow monies taken from my escrow account but never paid out to the county. Each time, they assured me they would locate the funds internally and issue a refund. However, this has not taken place yet. Each time I speak with XXXX XXXX, tax manager, he is unsure of where the funds are internally and tells me he hopes he can locate them in hopes that he can have them refunded. As of today, my account has been closed for 30 days as I have sold the property and paid off the loan. The escrow amount of {$2000.00} has not been located and refunded to me and Ditech has not been able to provide me with a confirmed resolution. XXXX XXXX confirmed that the payment was withdrawn from my escrow account referencing a county payment, however the payment was being held internally and would not be sent to the County until XXXX XXXX, 2016. As of now, the funds are unable to be located and are due to me as the property has been sold and taxes paid by account holder.