davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (OH)

I had to go to XXXX for work and called XXXX XXXX XXXX to cancel my XXXX service on XXXX/XXXX/XXXX. On the call I checked with the representative if I owed any pending payments, and got a confirmation that I do n't have any pending payments as of XXXX/XXXX/XXXX. 

Though I was in XXXX, I continued to monitor my Credit Score and credit history and I noticed a sudden drop in my credit score in XXXX XXXX. I pulled my credit report and noticed a collection item for {$36.00} in my report which was a collection attempt made by XXXX XXXX XXXX. 

I contacted XXXX Immediately and they confirmed that it was their attempt. A bill was generated on XXXX/XXXX/XXXX for {$36.00} which went to collection. I paid the {$36.00} on the very day I had called them ( XXXX XXXX XXXX ). 

I explained to them and later argued that it was no fault of mine since, on XXXX/XXXX/XXXX I was informed that I did not have any pending payment and I did not find the need to check my online account after that ( I usually opt for paperless bill, but not sure in this case ). 

I have been their customer for over 5 years and have made an average transaction of over {$1000.00} per year. I am a very responsible customer for not only XXXX XXXX XXXX, but also with any other service provider and deal with everyone with absolute Integrity. {$36.00} is a very insignificant amount for me. I did not miss the payment deliberately. 

I returned to USA on XXXX/XXXX/XXXX and have plans to buy auto and home loans, but due to the hit with my credit score, I am being classified as a sub-prime borrower and getting offers with a very high interest rate. 

Also, XXXX XXXX XXXX are not owning responsibility for their mistake to this day. They made me go in circles to contact the collections agency ( Southwest Credit System ) who directed me to the Credit Bureau ( XXXX ), who in turn directed me back to the collection agency and finally back again to XXXX XXXX XXXX with no improvement to my situation. 

At last, they agreed opened a case with the assurance that nothing good with happen with the case. I mean how can anyone act in such an apathy. 

Turns out that this is not an isolated case and many of my friends who were in similar situation felt victim to this modus operandi of XXXX XXXX XXXX.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AZ)

In XXXX XXXX, I entered into the XXXX XXXX XXXX XXXX, so that they could act on my behalf while resolving all my debts. Since then, I have continuously paid the agreed payment plan totals to each collection agency. As of XXXX XXXX, I have completed the program because I successfully paid off my accounts ( bringing all balances to {$0.00} ). 
I am a single mother to a XXXX child and have worked hard to correct my credit and establish responsibility. This is so that I may provide a stable life for my child. However, I reviewed my credit score and was unhappy with it. I feel that reporting agencies failed to update my information correctly. Also, it shows my accounts as " charged of-unpaid '' which is negatively impacting me. All my closed/open accounts had had monthly payment arrangements that I honored. Please help me.
Consumer complaint received 2015-09-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America ( BAC Home Loans ) is reporting my loan XXXX days late for the month of XXXX 2013. 
This account was never late. I am not just frivolously saying that. It really was NEVER late. 
This account was on a trial period and payments were on time. There is absolutely NO reason for this account to be reported late. Bank of America has been giving me the run around for over 1 year about this. They admit it should n't be late but no one has a clue how to fix the credit reporting. This has been seriously damaging to my credit rating and causing extreme distress. I am at my wits end with this. This late mark needs to be removed now.
Consumer complaint received 2016-06-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I went through a divorce several years ago and requested a home loan modification through Bank of America. Bank of America refused to get back to me on several occasions causing the process to take a year, destroying my credit in the process. Only when they got the foreclosure judgment and sent it to sheriff sale did they process it correctly and I paid on time for over a year. We decided to sell the home in 2015 and listed it for sale. After about 75 days, we received an offer and accepted. We promptly got an apartment, paid a deposit and signed a lease. We moved into the new apartment about 5 days before closing. As we were preparing for closing, it was discovered by the purchasing lender ( unknown to me ) that Bank of America had sold our overdue principal to HUD. This required us to sell our home for over {$150000.00} to break even. The house only appraised at around {$120000.00} because there have been so many foreclosures in our area. I contacted Bank of America to determine what we could do and informed them that we had a buyer if they could process the short sale immediately. They said that they would probably not be able to and " hopefully the buyer was still around ''. They went through the same process of continually requesting updated information for months while the process dragged on. I lost my buyer and could make the mortgage payments AND the rent payment on my apartment so I continued to work through the home modification process. I contacted their lawyers several times, received a response on a few occassions. Finally, on XXXX XXXX, I received an email back from XXXX XXXX at XXXX XXXX ( Bank of America 's attorney ) saying that my loan has been " service released '' to XXXX XXXX. I immediately called them to restart the process and was sent out a packet. I was in the process of submitting the packet and gathering all of the info they needed. My wife drove by the house and there was a sherrif sale notification on it for XX/XX/XXXX. Bank of America, who would no longer work with me and would never respond and sold it to XXXX, processed a sheriff sale. They began the sheriff sale process AFTER I was informed by their lawyers that they no longer serviced the loan! I called XXXX and they confirmed that Bank of America did complete that. 

Lastly, I logged on to the sheriff 's website to discover that BANK OF AMERICA bought it! 

I can only see this as they intentionally did this to somehow gain from the process.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

My loan was held by Navient I am a XXXX and have work in the field for 19 years. over this time I have attempted to access federal loan forgiveness and I feel I was miss led and not given the opportunities that i should have. I have made several attempts specifically asking for Loan forgiveness under the XXXX field and time and again i was sent other paperwork or told that what I was asking about did not exist. I was encouraged to put my loans on forbearance and i feel I have paid undue interest due to the Guidance of Navient. I have since moved my loans out of Navient to attempt to save money and get correct repayment structure
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I and my wife obtained a loan for my 2015 XXXX XXXX, of course our credit was not great so I began to search for a better rate after six months. Well when you go to a car dealership the sales men tell you they need to have a report, then they do n't worry it will only be viewed as XXXX hit on your credit ... not true I ended up with as much as XXXX from XXXX dealer ; I went to XXXX dealers and ended up with at least XXXX hits. I called the Bureau and pleaded my case and of course they said the dealer was wrong could not change it, who is wrong in this instance, can there something be put in place so that the consumer can stop this after XXXX hit on the credit. Also they the dealers sell you a car based on what the banks maximum amount is without any negotiation fro the buyer to see if they want to pay that amount. this system is predatory and should be stopped. most consumers with a XXXX and below pay more for goods and services- not fair, please advise.
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (TX)

On XXXX 2015 I requested validation from CBE. Although CBE account was deleted from my credit report in XXXX 2015, as of today I have not received validation requested. According to credit report pulled XXXX/XXXX/2015, this debt is now held by XXXX.
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I requested the report from Transunion last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.
Consumer complaint received 2016-02-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a Bank of America ( bank ) customer. I received an offer of a credit card which stated that my application for this credit card will be without any impact to the credit score. However, a hard inquiry was made against my credit file maintained by the credit reporting agencies. This hard inquiry diminished my credit score by few points. I asked the bank to remove this inquiry and they refused. I have attached a copy of their offer.
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: COMMERCE BANK (PA)

I opened an account with this bank and when I received the card it was lost shortly after and charges were made no more than XXXX some dollars so they reissued a new card and disputed though charges however when I received the new card I had made some purchases that they said were suspicious Even though I told them I made the charges they still closed my account I believe this is a discrimination case and I will be filing elsewhere too
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The credit bureaus are a joke and the XXXX needs to do something about them or ban credit scores if the XXXX refuses to regulate and ban them. I 've repeatedly reported how the credit bureaus and XXXX XXXX mortgage continue to report a short sale as a foreclosure on my credit report despite the fact that XXXX agreed to the short sale, the loan closed as a short sale, there was no XXXX and XXXX never took possession of my property. Now, I recently sold my home and paid off both my first and second mortgages in full and the credit bureaus are now NEGATIVELY reporting the PAID in FULL for the FULL balance as NEGATIVE Activity on my credit report. How can the sale of my home for a profit that yielded the payoff of my accounts be reported as NEGATIVE?? The accounts were closed by the lenders because they were paid in Full from the Sale - not due to ANY delinquent activity on my part - so why is this considered negative?? And why on earth would you report my credit score as Negative. This whole credit reporting system is a joke and detrimental to hard working consumers who pay their bills on time.
Consumer complaint received 2016-03-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (WI)

Debt on my credit for {$3000.00} states a charge off XXXX XXXX XXXX 2016 I spoke to someone at your office about a debt on my credit report. I asked the operator why this is owed and she stated she was unsure but is willing to settle for {$2500.00}. A letter sent to Wells Fargo was sent asking for explaination as to why I owe this but after 30days I have yet to receive anything. I 've also sent a copy to all the XXXX major credit agencies certified And sent a complaint to the XXXX ... .which your company failed to respond to. Im demanding a detailed explaination of how I owe this balance. The next step after this is a lawyer.
Consumer complaint received 2017-01-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (CA)

This has been an on going problem for over a year. I received a call from a XXXX XXXX who claims to represents Allied Interstate XXXX XXXX his contact number is XXXX XXXX XXXX. XXXX is trying to allegedly collect a out of state family members, debt that I have no knowledge of nor am I cosigner for this family member who I have no contact with. The phone calls are continuously coming at all time of the day and night.
Consumer complaint received 2015-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX sent over an update thread to Transunion on XXXX/XXXX/15 advising to update the status on my credit file for the XXXX XXXX account to paid, closed with no late pays. Transunion has failed to update this information. In addition the Dept of Education also sent over information to Transunion to delete my account but Transunion has failed to act accordingly. The Dept. of Education sent this information to Transunion around XXXX XXXX, 2015 and Transunion has failed to update this information on my credit report. It seems as if Transunion is in the business of keeping credit scores low. It is unacceptable to receive information to update a credit file and it takes them over 30 days to do so. Please see attached thread from XXXX XXXX dated XXXX/XXXX/2015.
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc. (AZ)

I have a loan with CarMax. I am currently behind on the payment and have made payment arrangements through their online system to bring the account current. CarMax continues to call me leave messages and the call back again. They continue to first leave a message and then call back later in the day and not leave a message on the same phone number.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When trying to access trans-union credit report I was not able to obtain since they claimed I had already received my credit report this year. I did n't see any information on the site about how to contact them. I would like some assistance with this matter please, I 'm beginning to think I 've been compromised and would like to know what other steps I could take.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC (NY)

disputing fraud accounts that are showing up on credit report as of recent. The companies seem to be ignoring my calls regarding these disputes and I really need these fraud accounts removed as I've been a victim of Identity theft due to lax in all the account securities in the companies
Consumer complaint received 2016-08-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Once again, my servicer - SLS - has taken five days to apply my payment and subsequently " cause '' a delinquency and post a late charge to my account - over a weekend and over the grace period cutoff. My payment was confirmed by my bank as delivered and received by SLS on XX/XX/XXXX ( Thursday ) and not negotiated until XX/XX/XXXX ( the following Tuesday ).
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX Loan {$40000.00} Currently closed was forgiven by XXXX in response to the Government lawsuit investigation regarding Financial Fraud during the XX/XX/XXXX Housing crisis. I would like it cleared from my credit report since it improperly reports as a foreclosure. I am including the forgiveness letter that I received in XX/XX/XXXX.
Consumer complaint received 2016-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I made an arrangement with XXXX XXXX XXXX XXXX to pay a payment in separate payments and they agreed and said that it would Not show late or delinquent and Now it does. I have asked for it to be resolved and they said it was an honest mistake on their behalf and may not be able to fix it according to what we were promised in the begining.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: FIRST ADVANTAGE CORPORATION (FL)

As this is the only soapbox I can use to complain about the credit monitoring services I wish to complain over and over again until this system is fixed or got rid of. I came to this country as an XXXX 30 yrs ago. I worked, paid taxes all this time and paid my debts. I decided to go back to school at the age of XXXX. I applied for a XXXX plus loan. I was denied. I was never given the specific reason for the denial. but it could have been one of the four following. A collection account, a tax lien. I was denied a job in XXXX because of XXXX. I actually paid off the IRS tax lien. I was denied a job by XXXX in XXXX because of the tax lien. I paid off the tax lien in XXXX, 2016. You would think I had bells and whistles and chocolate but no. I have been going back and forth with XXXX I wonder at using XXXX anyhow to determine whether or not I should be able to get an education. In 30 years I have never been given a perfect credit score. Ever. I had a {$100000.00} mortgage until XXXX decided to put me into eleven years of litigation and they graciously let me have a {$300000.00} mortgage which is ridiculous at this stage of my life. I am not the only person in the US who suffered through the Great Recession that has decimated the XXXX and over population. The tattle-tale credit reporting system needs to be overhauled. I strongly suspect that only while middle-age males get perfect credit. I think women, immigrants, of any ethnicity, XXXX and XXXX probably never get good credit ever.
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit report has erroneous information about a civil judgment from the XXXX XXXX Court small claims court. The apartment complex where my son previously lived sued him for {$1600.00} and were awarded the judgment. My son and I have both the same first name, but different middle initials. I have lived at my private home address for almost XXXX years and have never co-signed for any of his credit. I believe this information was placed on my report in an effort for me to pay for his debts. The credit reporting agency has not investigated this issue thoroughly even though I have filed XXXX disputes. Each time they replied within XXXX days to reaffirm that the report remains uncorrected. A cursory investigation would easily reveal that all the personal information on file at the court and the apartment complex differs from mine.
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN HONDA FINANCE CORP (TX)

Since I changed my phone number, I have recieved non-stop calls from " Honda Financial Services, '' despite repeated, repeated ( no less than 6 times ) attempts to tell them that I am not the person that owned the debt. After trying to communicate to them multiple times that they have the wrong number, I attempted to discourage their calls by ignoring them, hoping that they might think this number is defunct. I have 38 calls from them in the last month and a half. Please get them to stop.
Consumer complaint received 2015-11-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CT)

Dear CFPB, On XXXX/XXXX/15 Specialized Loan Servicing agents and my designated relationship manager, XXXX ( Teller ID : XXXX ) confirmed SLS made a mistake in processing my final loan modification agreement. The agent also confirmed that my additional payments of ( {$3400.00} ( XX/XX/XXXX-XX/XX/XXXX. 2015 ) since the completion of the trial modification program ( XXXX - XXXX 2015 ) had not been applied and still remain in a suspense account. I was told the issue had been escalated and a supervisor would make sure the system was updated and the agreement enforced. I had contacted SLS on XXXX/XXXX/15 to inform them I had not received the final loan modification documents and did they send to my new address as I had informed them of in XXXX. SLS stated they had sent the documents to my old address on XXXX/XXXX/15 to be returned by XXXX/XXXX/15 and they would resend the documents and retroactively enforce the agreement. SLS sent the documents on XX/XX/2015. I signed and notarized the documents on XX/XX/2015, confirmed SLS received on XX/XX/2015. XXXX Tracking Number : XXXX. When I contacted SLS on XXXX/XXXX/15 for a status update and resolution before I made another payment to sit in a suspense account, SLS transferred me to over XXXX agents and said they could not find any documentation and my final loan modification had been denied and threatened foreclosure. I have been working with SLS during hardships for over three years to resolve the defaulted mortgage payments. SLS denied XXXX distinct offers to purchase the listed home from different buyers in two years via the short sale XXXX process. Then we pursued Deed in Lieu and Loan Modifications, I completed the Trial modification and due to SLS mismanagement, fraudul ; XXXX practices, unethical standards, and poor customer service my final modification is not being processed and causing me extreme stress and continued financial hardship. 
I would like this situation to be investigated and resolved immediately, my final loan modification reinstated, and my suspense payments applied to the new modification. 
Thanks