davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I attempted to get a loan modification or forbearance from Bank of America and they denied any assistance despite the fact that I was unemployed. In addition, I ask for a forbearance and they told me that I needed to start a new process for forbearance despite the fact that I had given them every document possible. They have been very uncooperative and have shown no desire to work with me to resolve the matter. Bank of America seem intent on foreclosure as opposed to working with consumers and they are doing this despite 10 years of consistent payments and an outrageous interest rate. Their tactics are predatory in nature.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

In line with the multiple unethical credit reporting complaints as identitied via the internet, since the beginning of this year I have been disputing an account from Fair Collection and Outsourcing ( FCO ) -creditor XXXX in in the amount of XXXX dollars which has been placed on CRAs XXXX , XXXX , and XXXX. As well as receiving a threatening/harassing phone call from a gentleman customer service representative - once @ XX/XX/XXXX and another in XX/XX/XXXX, in which I still confirmed my dispute the account is not mine. 

I recently did a direct contact and phone calls with the client ( XXXX ) on this account you and the supervisor at that location informed me that they do " not '' have any records annotating the {$3100.00} amount FCO reported to the CRAs. Also documented. This information pose illegal reporting from FCO and under my credit rights and I 'm requesting investigation on the FCO company and my actual account and this inorrect information permanently deleted from my CRA reports XXXX, XXXX, and XXXX. I 'm also concerned and request investigation of FCO 's document replication of account ledgers ( false documentation ) from the actual creditor. This false reporting is currently hindering my employment associated with credit requirements ( position with clearances ), as well my quality of life and pursuit of the American dream. I recently filed a complaint via XXXX where this company 's rating is graded an XXXX, and received the complaint results stating after multiple attempts of communication from XXXX with FCO, FCO failed to respond to XXXX regarding my complaint. They also informed me to pursue this company with an attorney and/or CFPB. Again, I have also filed another dispute with FCO compliance officer via email, as well as via the CRAs. This company has created havoc on thousands of law abiding citizens and should be seriously investigated and fined.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (CA)

XX/XX/XXXX I was contacted by GC Services limited partnership. A collections Agency on behalf of the XXXX County Superior Court traffic division. This debt was for unpaid traffic tickets. Which in turn ended up putting a hold on my license by the California Department of Motor Vehicles in XX/XX/XXXX. However in XX/XX/XXXX I did contact the collections agency GC Services which is a third party collections Agency for the Superior Court of California XXXX County traffic division I paid my debt and they specifically gave me instructions on how to then obtain a release of my California driver 's license from the CA DMV which I did XX/XX/XXXX. However, today XX/XX/XXXX I have received another collections letter from the collections company GC SERVICES demanding payment again on the balance that was settled two and a half years ago. I contacted the company spoke to a representative who was unhelpful told me everything that I was saying was a lie told me they had no record of my payment they do n't talk to the DMV they do n't have any record of anything that I did in XX/XX/XXXX that would have released my license. So I asked who do I dispute this with. They gave me no answers gave me the run around and only wanted to obtain payment for a debt I have paid off two and a half years ago. I then spoke to a manager who is equally as rude and unhelpful gave me no information except for the fact that there was no correspondence between the collections agency and myself in the last 3 years. Stating the last letter they sent me was XX/XX/XXXX. So I asked why would you guys not contact me for 3 years if I owed it. But she could not answer. She also could not answer who I made the payments to or give me any records or information from the conversation that released my license in XX/XX/XXXX.
Consumer complaint received 2016-10-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Originally submitted a fraud claim to Bank of America ( BofA ), through identitytheft.gov, XXXX XXXX, 2016, in which they settled a portion of the claim and have yet to settle the latter portion.. The second portion was resubmitted XXXX XXXX, 2016. BofA stated it could take up to 90 days to complete their investigation. I have not received any correspondence from them. The second portion is of similar transactions as the first portion and should be an obvious conclusion. Supporting documentation is available as needed.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, contacted TransUnion disputing a " CHAPTER XXXX BANKRUPTCY DISCHARGED '' on my credit report that allegedly WASHINGTON FEDERAL COURT-XXXX has verified on XXXX/XXXX/2016. The agent I spoke to on XXXX/XXXX/2016 after receiving my report would not give me the truth under how they : " verified '' " CHAPTER XXXX BANKRUPTCY DISCHARGED '' with the WASHINGTON FEDERAL COURT-XXXX? When I, wrote the Clerk of Court, Case Management Supervisor, XXXX XXXX replied back to me on : XXXX/XXXX/2016 stating : " The Bankruptcy Court does not report to credit reporting agencies ''. I, requested a minimum of 6 times : " Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. '' They refused repeatedly! 
I, respectfully demanded : " the name, address, and telephone number of each person contacted at WASHINGTON FEDERAL COURT-XXXX ''. The TransUnion agent lied repeatedly! The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. They are failing to comply with federal regulations. Constituting : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TN)

after disputing a inaccuracy on my report, with proof attached equifax claimed they contacted the reporter and the reporter claimed the account was still open and in collection : see attached equifax responce. they did offer me a service for XXXX to expedite my dispute. they reported to the cfpb they had not contacted the reporter. i submitted a copy of their response to me to the cfpb showing the falsehood. now im seeing a XXXX point drop on my equifax score! Is this retribution? see other attachment.
Consumer complaint received 2016-10-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I have been trying to purchase a property located at XXXX XXXX XXXX XXXX, XXXX, California XXXX since XX/XX/2016 from the property owner, XXXX XXXX XXXX. The Escrow Company has not been able to get a " payoff demand '' from Chase Bank who is the current holder of the property. The Escrow company has contacted Chase Bank several times to get the payoff demand but Chase is refusing to give them the information which is causing me damage as the buyer because of the delay. The Attorney that represents Chase Bank is named XXXX XXXX and he is also refusing to comply with our request. I have also made several attempts to call him and left several messages but he will not return my calls nor the calls of the Escrow Company. 
His email is XXXXXXXXXXXX I am asking your agency to intervene and investigate why Chase is refusing to give out the information for the payoff demand. 

Thank you for taking the time to read this complaint. 

Sincerely, XXXX XXXX Tel. ( XXXX ) XXXX
Consumer complaint received 2016-10-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

I had purchased a vehicle with XXXX XXXX Toyota on XXXX XXXX. The sales agent was XXXX XXXX. I purchased the vehicle with a gold level vehicle service agreement where toyota would do a XXXX oil change and fix any engine and transmission problem with the vehicle like an insurance policy. I moved from XXXX to XXXX after doing XXXX oil change and contacted XXXX Toyota that I would need to cancel the service agreement because I no longer lived in XXXX. I was advised that I would need to send a signed letter agreeing to terminate the service. I went to the dealer ( XXXX XXXX Toyota ) and handed over the signed letter to XXXX XXXX XXXX. The sales rep told me that I will not be refunded the balance but any refund amount will be applied to the principle and there would be no changes to the monthly payment amount. The total refund was calculated to be {$2400.00} was told that it will be applied to principle balance on XXXX XXXX. 

However, this refund was never applied to the original balance. I contacted Toyota on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX but this payment was never applied. I contacted XXXX Toyota and the dealer claimed that they never received the letter of cancellation and the policy was already expired and there will be no refund. I did n't pay rest of the balance which at the time was {$1900.00}. 

I had no avenue to resolution. I re-contacted Toyota Financial on XXXX XXXX and they advised me that Dealer are independent to Toyota Financial and they are unable to contact the dealer on my behalf. I contacted XXXX Toyota again and they advised me that there is nothing they can do about this. 

I ended up doing a settlement on this account because the refund from XXXX Toyota was never processed.
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TRUHOME SOLUTIONS, LLC (MO)

Since speaking with my Mother several times after the filing of the above referenced complaint. We were told by an employee at TruHome Solutions to cease the payments in XXXX 2016, then they could send the Hardship Application to be completed by myself and Mother. They continued reassuring the both of us that everything was going to plan and should have paperwork completed soon. 
Then XX/XX/XXXX, we were told that they were refusing to honor the Hardship due to somehow having my name, XXXX XXXX XXXX removed from the mortgage. 
They informed us that if they did not receive the three months payment by I believe XXXX XXXX, 2016, they were taking the house away from my Mother. 
I myself, XXXX XXXX XXXX signed the closing paperwork at the main XXXX XXXX XXXX located in XXXX XXXX, MO. I then traveled to XXXX, MO with my realtor XXXX XXXX to witness my Mother sign the exact same paperwork as I did and traveled back with XXXX to present the completed documents to the original employee that helped us at XXXX XXXX XXXX. 
During the time between XXXX XXXX, and the XXXX XXXX, 2016, there was no correspondence from either TruHome Solutions nor XXXX XXXX XXXX XXXX. No statement ( s ) nor a notice of non-payment. No phone calls or letter of possible default. 
Now TruHome Solutions have blocked us from making any payments online. 
There is something very wrong going on here. My Mother also knew I had/was signing the closing paperwork.
Consumer complaint received 2016-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Aldous & Associates, PLLC (OR)

Debt collector keeps calling a leaving messages. They claim they are a Law firm. The " law firm '' is in Utah. I do not live in Utah. Please investigate this company. They use scare tactics to collect on old debts that should be off the records of consumers.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I just switched over to XXXX last month since I was not pleased with Navient. 
I had XXXX and then Navient since 2006. The loan was settled by XXXX Last month. 
I called them a few times about the Income Driven Plan but each time I was guided towards the forbearance. I now believe they were wrong and did not take the time to help me. How would they know my need without even giving me the chance to apply.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Mary Mae Financial, LLC (NC)

I am an XXXX veteran and was induced by XXXX to take out a private loan from Mary Mae while they waited for my GI bill funds to come in. I was pressured and given no other options, and I was never refunded anything from the school once the GI bill funds did come in. The loan has an incredibly high interest rate of 14.99 %. I have always made my payments, but I was defrauded and stolen from, likely by the school but potentially by Mary Mae as well, it is unclear. Mary Mae 's website changes all of the time, and I am not able to get in contact with anyone to discuss the loan or its terms. I continue to make {$170.00} payments a month, with {$1300.00} left on the loan, but it would relieve a great burden on my family to stop making these payments or see some other resolution of this issue. I can not afford what it would cost to attempt to take legal action on my own. I want this amount forgiven, or at least the loan payments reduced substantially.
Consumer complaint received 2017-01-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

I am a XXXX who was looking for a job on my university 's job net and I came across a job that seemed legit. Therefore I applied for the job by sending my resume to the email on the page and I heard back from him two days later. He had my information from my resume and mailed me a check and told me to deposit it into my checking account and to let him know when the funds cleared. As a college student seeking a job to support myself, I went ahead and did so. However, something told me to go into TD location and speak with someone to see why the fund was taking so long to clear. They told me the check was fraudulent. That is when I reached out to the person and they began ignoring my calls. TD bank made {$100.00} available and I withdrew that. I was a new customer as of XX/XX/2017 so I was unaware that TD bank even did that. Due to this bounced check that this person sent to me I now owe TD Bank {$150.00} for an overdraft. However, when I opened this account I told the lady that worked with me that I wanted to be protected from overdrafts and she obviously was not listening and did otherwise. I filed a police report and spoke with district attorney and they both told me there is no reason why TD bank can not waive these fee 's and found it more inconsiderate that I am a student who is not working and can not afford to pay this fee. I went into a TD location on XX/XX/2017 and the teller told me I am still responsible so I went in again on XX/XX/2017 and the manager told me the same thing.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Subject : Complaint against XXXX XXXX and Credit Reporting Agencies for FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX and all three credit reporting agencies regarding their handling of my credit information and potential violations of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I sent a dispute letter to XXXX concerning inaccurate information reported by XXXX XXXX on an alleged account. Despite my efforts to resolve these issues, the inaccuracies persist, demonstrating potential willful noncompliance with the FCRA by both XXXX XXXX and the reporting agencies. 

Key issues and potential violations include : Inconsistent Reporting : The XXXX XXXX  account is reported differently across credit bureaus : TransUnion reports a closed account with a Date Last Active of XX/XX/XXXX XXXX reports a closed account with a Date Last Active of XX/XX/XXXX XXXX reports an open account with a Date Last Active of XX/XX/XXXX Balance Discrepancies : All three bureaus report a balance of {$9100.00}, which conflicts with the account 's reported closed status. 

XXXX XXXX Inconsistencies : TransUnion and XXXX report a high balance of {$15000.00}, while XXXX reports {$9100.00}. 

Account Status Discrepancies : TransUnion and XXXX report the account as closed, while XXXX reports it as open. 

Potential FCRA Violations : Section XXXX ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy of information Section XXXX : Possible reporting of outdated negative information Section XXXX ( a ) ( XXXX ) ( A ) : Furnishing inaccurate information if the debt has been paid or settled Section XXXX : Failure to properly investigate and correct disputed information Continued Reporting of Inaccurate Information : Despite my disputes, the inaccurate information persists, suggesting a failure to conduct proper reinvestigations as required by FCRA XXXX XXXX XXXX a ) ( XXXX ). 

Potential Outdated Information : The account may be beyond the XXXX reporting limit for negative information, as it was opened in XXXX and is now being reported as a charge-off and many other things. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX and all three credit reporting agencies comply with all applicable consumer protection laws. I seek correction of any inaccurate information reported to credit bureaus, proper investigation of my disputes, and any other appropriate remedies for the potential violations of the FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (SC)

I noticed that there are XXXX federal lawsuits against the Navient Corp for the way they handle consumers who requested repayment plans. Exactly what happened to others about their student loan happened to me. I called the company and requested to work a payment arrangement based off income. They said they would get back with me. When I did n't hear from them I went into my loan information online and found they had deferred my loan. This was the second time they had done this in 2 years. I am willing to make the payments, but my income was not going to accommodate the amount they were requiring. This loan comes off deferment next month and I will again call them to arrange payment plans.
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

After being laid off and struggling to get bills paid on time, I contacted Navy Federal Credit Union for assistance and payment arrangements. Since doing that it 's been an utter nightmare as they have continued to ignore any arrangements made and constantly transfer funds out of my account. These transfers sometimes are reversed immediately upon contacting them, while others can take 24-48+ hours for resolution. Around 14 calls lasting 15+ minutes or longer to Navy Fed and 4 lasting with numerous cancelled transfers I have reached my breaking point and need help.
Consumer complaint received 2016-10-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After going through a two week process to clear my name with Bank of America, I decided to bring my other company over as well. After opening XXXX accounts, I went to fund them only for them to be shutdown due to the internal issue which I thought was resolved. They put all XXXX on pending close. When I called I found out the tax ID for my LLC has been attached to the internal file to be blocked. The same internal file that was overridden for my personal accounts and my corporate account which is currently in good standing. I have a merchant account and XXXX business checking accounts for my corporation and this issue should not be happening.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I was never notified interest will accrue on loans when I was in school. That interest accrued and capitalized. I have been paying loans back since 2009 ( approx. $ XXXX/month ) and I have not even hit the principal on my private loans. I was talked into a forbearance a few times although it was not a good move for me because again the interest accrued. There were many many times when I pulled my statement and it showed {$1.00} went towards principal and the remainder of the payment went towards interest. At this rate I will pay back over {>= $1,000,000} for college because of these guys and how they apply my payments! They are all rude and they are all XXXX.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Credit determination — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

The bank USAA refuse to remove my name from a credit card over which I have no control. The card is not in my possession, it belongs to my ex-wife. She has complete control over the card, it 's balance and all payments associated with the account. It also carries a high balance, and this negatively affects my credit rating. I simply want to have my name removed from the account and to have my credit rating restored.