davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

This has been somewhat involved so hopefully I have got this all accurate and complete. I was offered a credit card from Bank of America ( BA ). I received this card about a year ago. I used it for a few months and there ended up being a problem that BA could not seem to fix. Not too long ago they sent me a letter stating that they have closed this account. They say " This action was taken because of the following reasons : '' That list says " This account has been inactive '' and " Derogatory public record or collection filed '' The reason it has been inactive is because they put some kind of stop on it and they could never get that straightened out. ( Separate issue and involves real incompetence of some kind ). I have called BA and tried more than once to find out exactly what is the specifics to the second reason : " Derogatory public record or collection filed ''. BA is the one who has closed this account and they would be the only one I know that would know why specifically they closed it. What is it about this " record '' that they have closed my account? I can get a copy of this record, but that wo n't tell me why BA closed it, I want their specific reason. I may want to do a dispute of this closing as I am concerned that now my record may show that I had not only a credit card account closed by the issuer, but for some kind of derogatory reason. 

I have called and since they could n't seem to answer my question I asked to be put in touch with the department and someone who could answer my questions. I believe that they told me they would contact me. I have never had any answer to this. I know this is more of some kind of policy that they can have, but there is no way to email or message them. I want to ask for a specific number and hours to call about this. Instead all I could do there is to use facebook! Can you imagine this is how they do some of their customer service? What a pathetic joke. I asked about my problem there. Quick reply but it was just another generic number, the kind that once again got me to no one who could help. I messaged again on childrens facebook and re explained what I need and was told they would be checking into it for me. Well up to 5 days now and no reply. So I just messaged again and told them they would be hearing from the CFPB as I am not going to keep burning up time trying to get a couple simple questions answered. 

These banks should be put out of business as far as I am concerned or at the least break them up into much smaller banks so we can get some kind of accountability to the customers. I know there are a lot of things that can be company policy and are allowed along with no one having to do business with them. But in this case I think I am due answers especially with the ramifications to me.
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint against TransUnion for failing to respond to my dispute and not conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), disputing the inaccurate and incomplete reporting of : Bankruptcy Reference Number : XXXX ( Filing Date : XX/XX/XXXX ) Other negative accounts were reported on my credit report. 
To verify my identity and ensure compliance with TransUnions requirements, I included the following documents : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address The XXXX ( Reference Number : XXXX ) is unverifiable. I contacted XXXX, which maintains bankruptcy records, and they confirmed no record of this Bankruptcy on my consumer report ( Consumer Report Number : XXXX, Case Number : XXXX, dated XX/XX/XXXX ). 
Despite providing all necessary documentation and a detailed dispute, TransUnion has failed to : Provide a timely response to my dispute. And Conduct a reasonable investigation into the accuracy and completeness of the disputed information. 
This lack of action violates the FCRA, which requires credit bureaus to investigate consumer disputes and ensure the information on their reports is accurate and complete.
Consumer complaint received 2024-08-28
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NY)

Applied for a modification with XXXX XXXX XXXX, completed the trial steps, then in the middle of the final step, was transferred to a new servicer ( caliber home loan ) who processed my modification for 2 to 3 months with no answers, then sent a package for permanent status Modification in XXXX with a due date for payment XXXX XXXX, 2016, then I sent the package back with payment, but they 're saying I had to make a payment also for XXXX XXXX, WHEN I got the papers in XXXX. ( A month later ) And the first payment after XXXX would be due 8 days later!!! But also that XXXX payment ( a month ago ) is also due. Putting us back in the same hardship!!
Consumer complaint received 2017-06-22
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: Experian Information Solutions Inc. (OH)

I placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me and that was n't done, which violates my rights as a consumer. I have reached out to the CB 's several times on more then one occasion to advise of my credit being pulled without my permission, but to no avail they refuse to comply.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I applied for a loan modification with the mortgage company Ocwen on XXXX and I 've noticed that they have added $ XXXXdollars on to my mortgage calling it an unpaid principal. I questioned them about it and I was told it was in the modification and I signed it so that 's that. My mortgage went from {$160000.00}. to {$250000.00}, I did not take out a second mortgage or anything like that. I ca n't believe this is legal. I have spoken with several account managers with Ocwen asking them to explain to me how their company added {$100000.00}. dollars to my account when the modification was supposed to be designed to help me. This has been a nightmare and now they have filed foreclosure.
Consumer complaint received 2017-06-22
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Experian To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,
Consumer complaint received 2017-01-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Due to some financial difficulty I requested from USAA Federal Savings Bank relief on paying my credit card ( USAA XXXX XXXX Card XXXX ) and was granted a two year reduce payment plan were I would pay every XXXX of the month {$170.00} so I can get caught up with bills and not file for bankruptcy. I made payment on time ( through auto draft on my checking account ) until around XXXX 2016 when there was a possible fraud on my checking account. I requested USAA to change the bank draft withdrawal from my USAA checking account to my XXXX XXXX checking account ( Please see attached Letters from USAA ). USAA then withdrew {$170.00} from USAA checking account on XXXX XXXX, 2016 putting my USAA checking account on overdraft. USAA have already made the automatic payment out of my XXXX XXXX account on XXXX XXXX, 2016. I called USAA to ask why it happened and I was told that due to the automatic nature of the draft it was not stopped in time. I asked USAA on how this can be solve and I was told they would cancel the auto draft out of my USAA account and keep the XXXX XXXX auto draft. I was also told that the payment for XXXX XXXX, 2016 would then be applied for the XXXX 2016 payment. I was out of town last week and when I got home yesterday ( XXXX ) I received a mail from USAA ( see attached mail ) that I would be terminated from the program and have to make a full payment of my balance ( over {$17000.00} ) when I called the USAA customer service number. It will be impossible for me to make the full payment. I was hoping that the payment plan would help me get some break will I pay off my obligations. Also, my USAA XXXX card have a feature of cash back that I have over {$1000.00} in cash back that could be applied toward my balance which as of now I can not access. I am not asking for forgiveness for the credit card debt, it is my obligation I just need time to make the payments. Thank you.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

Back in XXXX I filed a complaint against XXXX XXXX XXXX to get loan assistance. The case number is XXXX I was able to get a loan modification after I filed the complaint which started on XXXX XXXX  2017. The loan modification specified for me to make XXXX trial loan payments which decreased my payment to {$670.00}. The three trial payments were to be made XXXX XXXX XXXX XXXX and XXXX XXXX 2017. I just found out a week ago ( after making the first trial payment ) that my loan has been sold to Specialized Loan Servicing. Right now, Specialized Loan Servicing has no record of my loan modification. I spent over 9 months working with XXXX XXXX XXXX to get the loan modification approved and wrote to the CFPB and they ended up selling my mortgage loan. I am highly disappointed and upset that this happened. I spoke with several representatives at XXXX XXXX XXXX that advised me that I would not need to make any loan payments for my regular loan amount of {$810.00} while under the loan modification trial period. They advised me that the past due payments would go to the end of the loan once the trial period was over. I would like my trial loan modification to be transferred to the new loan under specialized loan servicing. The new loan account number is XXXX
Consumer complaint received 2017-01-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

Our Original Mortgage was purchased with XXXX XXXX Bank XXXX Georgia and later was sold to a third party mortgage management company by the name of Ocwen Loan Servicing , LLC . Ocwen collects our property taxes on our monthly dues and place them on a escrow account. At the end of the tax year, they are supposed to used that money from this escrow account to paid our property taxes. Ocwen has failed to paid our property taxes on time and we are receiving delinquent tax notice from the Tax Commissioner Office. We are also been fine by the tax commissioner office for not making the payment on time. Trying to resolve this matter with Ocwen leads to a costumer service call center phone line in the country of XXXX, were they reading a script from a computer screen, and blame the costumer for the problem. Ocwen official written letters confirmed that they are ; collecting the money in a escrow account, that they are legally bind to paid our taxes from the escrow account, that they are fully aware of the property taxes payment due date, as well as to who and where the payment should be addressed to. Ocwen tarnishing our credit score and records by paying our property taxes on time as specified in our original mortgage contract with XXXX XXXX Bank XXXX Georgia.
Consumer complaint received 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Earlier this month, my payment was increased from {$42.00} to {$70.00}. I immediately called FedLoans to fix the problem. After a few minutes on the phone, I was told that the {$70.00} amount was wrong and that I would not be charged that amount. Which turned into my Direct Debt being suspended, which then turned into the right amount showing up on my account come the due date, but then was never processed. Even though there was no real indication that my direct debt was suspended. Long story short, my bill was due on the XXXX, and I happened to check my loan account today, the XXXX, and come to see that my payment was never processed. This website is awful to navigate, it never tells you all of the information and when I call in to complain or with a problem, I spend more time on hold than anything else. What really bothers me about this situation is that Fedloans has miscounted and lagged to update my loan forgiveness qualifying payments, and not this late payment is n't going to be a qualifying payment.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AL)

I have a state tax liens still showing on my report that was withdrawn in XX/XX/2011. On multiple occasions I have disputed this with Equifax , Providing Equifax with copies of the State Of Alabama Department of Revenue Release forms which states " A tax lien can be withdrawn and released by the department conditioned on payment in full ( which I will also attach here for you ) this tax lien has been paid in full but Equifax will only report it has been released. I have also verified with each county that the lien withdrawals have been recorded. Equifax continues to improperly report the lien. The other CRA 's ( XXXX ) removed the lien from my credit report immediately
Consumer complaint received 2016-08-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC (NC)

I recently purchased a car XX/XX/XXXX. My payment was due XXXX XXXX. I was unable to make the payment on XX/XX/XXXX. The finance company called me 2 times the morning of XXXX XXXX. I missed both calls so I called them back that afternoon. I spoke with a representative and advised her I would make my payment on XXXX XXXX. She asked me why I was late and I told her. I asked her if I could change my due date she told me once I made my first payment I could get that done. I told her I did not have a statement and I needed it to set up an online account. She suggested that I call in the payment since it was already late instead of mailing it and told me what the fee would be. I told her I would and she said great she would note my account accordingly. 
Sunday, XXXX XXXX, I had a missed call from them. 
On Tuesday, XXXX XXXX I had a missed call from them at XXXX XXXX. At XXXX they called again, I picked up the call and advised the female representative that I spoke to someone last Friday and made an arrangement to pay. She said, okay and we disconnected the call. At XXXX they called again. I picked up and told that representative that this was bordering harassment and that I already spoke to someone on Friday and made arrangements, and that I told that to the representative that called earlier that day. 
Today, XXXX XXXX, they called me at XXXX, I picked up, there was brief silence then the call disconnected from the other end. I received another call at XXXX XXXX. I spoke to that representative and advised her about all the other conversations I had. She said if I do n't ID with a representative they can not note my account. I did not tell her I did not ID with the XXXX representatives that called me on XX/XX/XXXX. How would she know if it was not captured systematically? I told her I also spoke with someone on Friday XX/XX/XXXX and made arrangements. She said the representative I spoke to on XX/XX/XXXX did not note my account. 
In 6 days, between XX/XX/XXXX and today, I have had 4 missed calls, made an outbound call, had 4 incoming calls where I spoke to XXXX separate representatives without giving them ID ; XXXX that disconnected shorty after I answered and this last representative who I had an extensive conversation with, like I did with the representative on XX/XX/XXXX totalling 9 Calls in 6 days.
Consumer complaint received 2017-06-22
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. (OH)

I placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me and that was n't done, which violates my rights as a consumer. I have reached out to the CB 's several times on more then one occasion to advise of my credit being pulled without my permission, but to no avail they refuse to comply.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (IN)

It has been two months that I have been asking for verification, still have an unverified account from XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that EXPERIAN Provide verification of the following company XXXX : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EXPERIAN. Cease and Desist all further communications and collection actives and provide the verification of the purported debt from XXXX.
Consumer complaint received 2016-08-11
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (DC)

Toyota motor credit account # XXXX / after the lease was due i turned the car into the dealer and waited 6-7 monthfor s for a final bill never received one until it went into collection and they wanted XXXX the inspection report was never taken at the time I delivered it to the dealer. 
the condition of the car was excellent other than the mileage being over and I was waiting for the bill for the mileage overage only.but {$1900.00} I said no. 
its been 3 years and a few collection agents .I need to settle it and have it re moved from my credit history.CAN YOU HELP?
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Despite the evidence I have provided concerning the violations of both Federal Law and Florida Statutes that have been committed in the handling of the debt assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- which extend to committing mail fraud in an effort to cover up said violations -- the XXXX primary credit reporting agencies persist in listing the debt as valid, insisting that they are under no obligation to do anything more than obtain a bill from the creditor and collection agency in question in order to validate the debt, thereby making themselves willfully complicit after the fact in both the violations and the mail fraud committed to cover it up in order to steal my {$300.00} deposit ( Florida Statute 83.39 ( a ) required the creditor to refund my deposit in order to continue making a claim on my deposit after submitting it to the credit reporting agencies prior to notifying me about it, which is why the creditor generated a fake Certified Mail notification more than two months afterward and then feloniously intercepted it with the help of the Carrier for the route -- who was obligated to forward my mail on a permanent basis as of X/XX/2016 -- in an effort to prevent me from finding out about it ).
Consumer complaint received 2016-11-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

I have a personal loan with One Main Financial which I have been paying on time for the past 2 and a half years. Recently I have had some issues due to medical reasons that have caused me to have to pay a week or 2 later than the due date. If I have to postpone a payment I will set up my payment on line through their website according to my budget each week. So even if it 's a week or 2 late, the payment is still scheduled. There is a girl named XXXX that will call me at work and home when I schedule a late payment. The last time I spoke with her when I was in the office ( XX/XX/XXXX or XXXX? of 2016 ) I told her she could not call me at work anymore. They are getting upset with all the calls. She would call everyday, sometimes 2 times a day. After that conversation, she continued to call. And again, sometimes twice from what my colleague at work tells me. I have logged all the times she has called if needed. I also mailed a written request to not call my work number in the future. She still calls. I understand they are concerned about receiving their payments, and I have never been 30 days late, and if they pay attention to their own website they know when I schedule my payment. I understand that if I pay late, I have to pay the late fees etc. And I do. The last conversation I had with her was borderline harassment. She was insistent that I come in and sign a paper for a deferment. I was 15 days late? I told her there was no need. I will pay the late fees. She did n't seem to like that answer. So I get a letter in the mail to sign for a deferment. Which I tore up. I do n't mind if she calls me at home, she can leave a message anytime. But I do n't want to be harassed any longer. The company I work for is getting tired of answering personal phone calls everyday and sometimes twice a day. She could make me lose my job.