davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (PA)

I have a vehicle loan with GM Financial for my XXXX KIA Soul. XX/XX/XXXX I had to file a XXXX XXXX bankruptcy in an attempt to save my home from foreclosure. My loan with GM Financial has never been late or was never in default. I had to put the loan in with the XXXX XXXX restructuring plan per the bankruptcy trustee 's orders in spite of it being in good standing. I made every single plan payment in my chapter XXXX case but I had to have my case dismissed in XXXX XXXX and surrender my home due to my mortgage holder constantly contesting my proposed payment plan thus making my home unaffordable. During the time the car loan was under the protection of the bankruptcy trustee GM Financial reported payments as late to the credit bureau which is illegal. The Chapter XXXX case was dismissed without prejudice in XXXX XXXX. Once the case was dismissed I immediately resumed without delay paying my auto loan outside of the bankruptcy plan. I have been out of the Chapter XXXX plan since XX/XX/XXXX and I have made every single car payment on time but GM Financial is not reporting my payments on time to the credit bureau. This is also illegal per a XX/XX/XXXX Bankruptcy ruling out of the Bankruptcy court in Wisconsin. I verified this by pulling my XXXX and XXXX reports. GM Financial has failed to update the credit bureaus to reflect the status that the loan is being paid on time and is no longer part of the chapter XXXX wage earner plan. GM financial is still reporting the loan to the credit bureau as part of the chapter XXXX bankruptcy plan and I am not getting positive marks on my credit bureau reports for making 6 on time payments. During this time period after the bankruptcy case was dismissed GM Financial has continued to collect the interest of 14 % every single month I have sent in my payments but GM Financial has not honored their responsibility as a lender to report my positive payment history to the credit bureaus. Whether or not this was an oversight on the part of GM Financial it is still illegal and has caused damages to me. My financial situation has slowly been improving since receiving a fresh start under the bankruptcy code as well as finding more affordable housing. I would like to refinance out of the high interest rate car loan in order to get my car paid off faster but I am unable to do so because they are not reporting my payment history. I feel they are doing this on purpose to trap me in a high interest rate loan for their own monetary gain and nothing more. I would like my payment history reported to the credit bureau correctly, the interest refunded on my loan from from XX/XX/XXXX until XX/XX/XXXX due to their mistake, or the chance of obtaining a possible loan modification with a reduced interest rate due to outstanding payment history for 20 consecutive months.
Consumer complaint received 2016-04-19
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP (TX)

Multiple, repeated calls about a reverse mortgage to my mother 's phone. Today, after witnessing XXXX dead air calls, I took over my mother 's phone when someone was on the line -- they asked for my deceased father. I told them we were not interested and that my father was deceased. Less than an hour later they AGAIN called my mother 's phone, when I reiterated that my father was deceased the man proceeded to SCREAM at me HOW WOULD WE KNOW THAT? When I asked for the address so I could formally complain, he intentionally disconnected the call. I called back, and the call was again intentionally disconnected. 

While this has by far been the worst, my poor mother has been inundated with requests at her number asking for my father. My father was against reverse mortgages and would have never signed up to be contacted, in addition to my work in the mortgage industry ( not XXXX, however ). 

I firmly believe these groups are targeting widows and widowers in an attempt to have them make these decisions under the duress of grief believing it to be the decedent 's last wish. I have caught this particular one, but plan to submit reports on others as I gather facts. The screaming at me was just so beyond the pale and indicative of the intimidation tactics of this business.
Consumer complaint received 2016-04-07
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC (VA)

We attempted to get a VA mortgage from New Day XXXX and after 6 weeks they just were not a able to get their act together and move to the Processor. So we switched to XXXX XXXX. Now XXXX XXXX needs the VA Appraisal and New Day XXXX is refusing to release the Appraisal to XXXX XXXX and we may miss our closing date. New Day XXXX just is not responding to our requests.
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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, Experian, and XXXX data breach.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I have a mortgage with Ocwen. I have made my payments consistently on time. On XX/XX/XXXX I made a payment to Ocwen in the amount of {$2500.00} for the month of XX/XX/XXXX. The XXXX, Ocwen reported me to credit bureaus for being 30 days late for XXXX, even though they received {$2500.00} on the XXXX. Rather than applying my payment to my principle and interest, they HELD the funds and did not apply the funds because escrow amount was increased and I was short a few dollars. So they HELD {$2500.00} of my funds and reported me as 30 days late in making my payment when in fact that was False. I have a healthy balance in escrow and I was not short there either. My credit rating has sunk because of their practice to hold my funds and not apply them to my mortgage. They have been unwilling to help me clearing up my credit report because of them HOLDING my funds, even though I have been and remain current in my payments.
Consumer complaint received 2017-03-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Society Business Services, Inc. (AZ)

This is a complaint from XXXX against Bureau of Med Economic for Bureau of Med Economic 's failure to provide requested information for the debt alleged. As of XXXX 2017, Bureau of Med Economic has been reporting an open credit account for the XXXX. On XXXX/17, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

I have disputed over and over the validity of XXXX XXXX XXXX ' reporting. They were never able to validate a debt. They reported an incorrect balance for years. I disputed and Experian just updated the debt as valid. It was not. It has been incorrectly reported for at least 3 years. Their dispute process did not follow through with appropriately verifying a debt over and over again. They posted the debt as valid and it was not.
Consumer complaint received 2016-12-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (TN)

In 2013 I had modification done on my home mortgage due to a financial hardship brought on my medical issues. I did it to lower my interest rate and make my payment more affordable. Ocwen mortgage services my loan and has for several year. They offered a XXXX Modification. That was the only option they offered. They said that if I sold the property or refinanced they would take a portion of the equity in the home as payment for me being able to reduce my interest rate. the reduction was only about 1 %. I asked at the time if the XXXX was based on the current value of the home or if it would be based on future value. The Ocwen rep told me it would be based on current value. When the sent me the paper work to sign a rep From Ocwen was on the phone with me at signing to go over all the details, when we got to the portion of the paperwork that discussed the XXXX amount I asked, again before I signed if it was to be based on current or future value. Once again I was told it was based on current value which would be about {$2000.00}. I signed based off of the information I was given twice by there rep. I am currently trying to refinance and cut my interest rate by more than half. When the mortgage service I am going through got the pay off from Ocwen it has an additional {$13000.00} added to it for the XXXX. When I called them to asked how it jumped to that amount they told me because of the current home value. When I asked why they were taking current value instead of the value of the home in 2013 they said because that was what the agreement stated and they refuse to lower the amount. I explained what I was told twice by THEIR rep what the amount was based on and they pretty much told me tough luck, even though their rep was supposed to know more than me and be able to answer my questions knowledgably and gave me false information. I would just have to deal with it and if I wanted to refinance that I would have to pay the extra {$13000.00}. Because that amount raises my LTV so much I am not able to have the loan refinanced because it puts me out of compliance for a new loan. So therefore I have to stay with Ocwen at a higher rate,, and payment and the more my home value increases the more they can take from me. I think when you are closing on a loan, refi or modification and you do n't understand something on the contract and you specifically asked the rep a question and are given a specific answer they should have to stick by the answer given by their rep. After all, the are the experts, not me. I feel like I have been grossly mislead and taken advantage of my Ocwen Mortgage services.
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion did investigate, but they still are reporting XXXX late payments on my XXXX XXXX XXXX XXXX Account. These late pays are a mistake and I have the letter from the company stating such. I need this removed from all of my credit reports as I paid on time as agreed. Thanks so much for your help!
Consumer complaint received 2017-03-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bread Financial Holdings, Inc. (VA)

Comenity Bank has obtained phone numbers of individuals who have nothing to do with the debt in question. An individual named XXXX contacted my son and specifically stated the call was in relation to an attempt to collect a debt. My son is not listed on this debt nor is he responsible for this debt. She also contacted an individual named XXXX XXXX, who has no relationship to me and no need to be contacted in any way. How both of these numbers were obtained is unknown to me. The number she called from is XXXX extensionXXXX. I attempted to find out how thes numbers were obtained with no success. When asked if there was a XXXX XXXX, they responded they had no knowledge of anyone by that name. When asked for the full name of the person I was talking to, he refused saying only his name is XXXX. Nor would he provide a direct number. 

I am well aware of this debt and have made small payments towards it upon getting a job after a period of unemployment.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (TX)

XX/XX/2016 as I was checking out at the Home Depot Garden Center in XXXX, TX, the cashier said I could get a {$25.00} discount on my {$56.00} dollar purchase by applying for a credit card. I ask how long the application would take and she said less than five minutes. I said okay. 
The cashier fill in the application. I answer every question correctly. 
I have never received a bill. 
Based on a credit report of my account not long after, I believe Home Depot foolishly and/or negligently assigned my account to Citi Card Services. I have never received any mail from Citi. 
I believe whoever set up this application process ignorantly and/or negligently did so thinking everyone gets mail delivered to their street address. I am presently at my XXXX address where I do not receive home mail delivery. If any bills were foolishly sent to my home address, naturally I did not received them. 
In the last month I have received repeated phone calls from the same lady with a foreign accent about this bill. I have repeatedly told her that the bill must be sent to my post office address. Still no bill. 
I am enclosing my check for {$31.00} for the amount I owe Home Depot but was never billed. I am clever enough to go on line to get a mailing address. Interesting that XXXX major cororations like Citi and Home Depot can not get mailing addresses. 
Naturally, if I still have any credit card account opened, I want it closed.
Consumer complaint received 2017-03-17
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC (FL)

I received a letter in the mail from BIG PICTURE LOANS XXXX XXXX, XXXX, Mi. XXXX a pre-approval for up to XXXX I filled the information out and received a text message approval for XXXX and to call XXXX to receive money. I was talking to an agent from this company and she stated the interest rate would be 644.57 % I immediately stated absolutely not! I then stated I do not want this loan! Please do not move forward with this loan and I am rejecting this loan. I was informed the process had not been fully completed and would receive information that the loan was not completed, but I have not received any of this documentation. I then decided to do some research and found out about this scam.
Consumer complaint received 2017-03-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

This is a complaint from XXXX against HSBC for HSBC 's failure to provide requested information for the debt alleged. As of XX/XX/2017, HSBC has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (CA)

I paid this debt In XXXX, It still went on my credit report as unpaid even after I paid it in full, I contacted the credit collection and they removed it, however, they still continue to send me notices and put it back on my credit report as a debt. I have contacted this agency more than once, I have also submitted proof of payment, which is attached, my bank statement showing the payment in full, back in XXXX.
Consumer complaint received 2016-04-20
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX 2015 we transfered XXXX into the XXXX from my wellsfargo account after we recently sold our house and made our moved to Florida. I proceeded to change my address to a close family friend until our tenant was ready to move out of the condo we had rented. XXXX froze my account and asked me to come in the branch in XXXX XXXX and verify my information due to the change of address, which I provide my drivers license, social security card, birth certificate, power of attorney, title documents proving the sale of the house and an utility bill for the address where we where receiving our mail. They then decided to close my account for unknown reasons and told me I would have to get wellsfargo to reverse the ACH transfer to the account. I went to the Wellsfargo office and explained the situation to my customer representative XXXX XXXX which filed for a ACH dispute which XXXX proceeded to tell wellsfargo that they where working with me personally to get my funds back which was a complete lie as I would n't have pursued such actions if it was n't for their lack of communication and cooperation to return our money. Over six months later and XXXX still has our money and has made no attempt to return the funds that where transfer. I am going to file complaints with the pertinent government agencies, SEC, consumer affairs, XXXX, The complaint boards, XXXX, XXXX, XXXX and every other agency we can so this does not happen to anyone else. We are getting ready to file a lawsuit if they are not willing to fix this issue immediately as we have dealt with enough of this nonsense. It appears that XXXX is trying to rob me and my family of our hard earned money and we will not allow that to happened. This company can not be trusted, they recently lost a lawsuit filed XXXX VS XXXX XXXX by their own employees due to their practices.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I have been a victim of identity theft and I request that you remove the fraudulent accounts from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my FTC reports and my driver 's license + proof of address. Kindly remove the account asap.
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: Bread Financial Holdings, Inc. (OH)

I ordered an item from XXXX that was never delivered. I lodged a complaint with the website, and then followed the entire dispute process in order to have it corrected. I signed an affidavit from XXXX acknowledging that I never received the item, and followed up with the company multiple times, until the process was complete. In the meantime, XXXX advised me not to pay on the account, and that it would be frozen for the length of the investigation. My account fell past due, and racked up late fees and finance charges. After the investigation was complete, I was told by both XXXX and Comenity Bank ( lender ) that all charges would be removed, and the reporting would be corrected with the credit bureau. The charges were removed including all late and finance charges, and I thought the situation had been resolved. My wife and I are in the process of buying a home, and I have just recently found out that there is significant delinquency reported on my credit report. I have a perfect report, with the exception of " serious delinquency '' as a result of my account with Comenity Bank. My loan officer advised me that she needs a letter from Comenity in order to escalate and re-score my credit through the respective credit bureaus, however each of my attempts to contact Comenity have resulted in them directing me to the credit bureau dispute process. My wife and I have sold our home, and need to close on the one that we are under contract with - I explained this to Comenity, and that I do not have time to follow the lengthy dispute process. In addition, this is not my problem to solve - it was supposed to have been corrected back in XX/XX/2015. Further, an open credit bureau dispute could potentially cause our loan to not be underwritten. We can get a loan with my current score, but the interest rate is reflective of my inaccurate report, and significantly higher than it should be. We are out of options, and so I am asking for help from the CFPB. All I need from Comenity is written acknowledgement that my account was never past due - that any delinquency was as a result of the investigation into the item that was never delivered to my residence.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have a lot of disputes ran by XXXX in XXXX texas. i did credit application with ford motor credit. the application was sent to park cities ford. they went and sent my application to about XXXX banks without my permission. I asked and requested that they not do that. I asked them to evaluate my credit and let me know if I need to come in and work a deal. they submitted a deal with me signing any agreement on purchase price or anything.