davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX XXXX XXXX XXXX  sold my home loan of 18 years suddenly and without warning on XX/XX/XXXX to Specialized Loan Servicing LLC. The Covid-19 crisis in XXXX has left me out of work and not allowed to return to work until stage four of the recovery. Specialized Loan Servicing LLC is allowing our loan payments to compound and is demanding a lump sum payment as soon as the XXXX XXXX District Court reopens during phase one of the recovery or foreclosure. Specialized Loan Serving LLC refuses to modify the loan. One representative even verbally agreed that " Yes. This is predatory. But you agreed to it legally. '' This experience is not surprising after years of predatory and abusive tactics by the original lender, XXXX XXXX. Discrimination, reverse red lining, etc. This loan is a predatory loan dinosaur that pre dates the Housing Crash of XXXX and is a shell corporation used by XXXX XXXX to liquidate sub prime loans off the books. Over the last eighteen years we paid a vast fortune in interest at 7.25 % and now the Covid-19 crisis is being used by XXXX XXXX and its associates to prey on consumers even further. Specialized Loan Servicing LLC is a shell corporation set up by XXXX XXXX to circumvent banking regulations.
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX, DATE OPEN XX/XX/2014, BALANCE {$60000.00} THIS DOES NOT BELONG TO ME. INCORRECT INFORMATION ON CREDIT REPORT. NEEDS TO BE REMOVED. THIS INFORMATION IS BEST TO MY KNOWLEDGE. THIS IS A FTC VIOLATION.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

I purchased a new vehicle in XX/XX/XXXX and financed through Ally Financial. 
At the time of purchase, I included a GAP insurance policy. This vehicle was involved in a collision on XX/XX/XXXX and determined to be a total loss. I started the GAP claim immediately and communicated with all parties. 
I was sent a bill from Ally Financial for {$760.00} in XX/XX/XXXX. Working with the GAP insurance company, we were able to determine that the amount corresponded with the expected prorated refund from the GAP Policy. The dealership, XXXX XXXX XXXX in XXXX had cut a check to the lender for the prorated remainder of our extended warranty, however mistakenly did not include the prorated remainder of the GAP policy. They acknowledged the error and indicated that they would resolve this promptly. 
I was sent another bill from the lender for {$760.00} in XX/XX/XXXX. I communicated directly with Ally Financial and explained that this amount was to come from XXXX XXXX XXXX, and indicated that I would follow up from them. 
The COVID-19 pandemic caused some issues, as the finance manager at the Dealership who needed to resolve this started working remotely, and there was apparently a great deal of chaos. I  communicated with Ally Financial numerous times updating them on the status, and indicating my concern that this could have an impact on my credit. A representative from Ally Financial assured me that there was no reason for concern, and told me that it would all be dealt with once the account was paid off. 
The dealership finally paid this amount to the lender in XX/XX/XXXX, leaving a balance of {$34.00}, which I paid immediately. 
The account, now closed, is reporting a charge-off status, and severe delinquency for the amount owed to the lender from the dealership. I have contacted the lender numerous times and they stated that the account was in good standing as far as they're concerned. They advised me that the department that handles these matters does not speak to consumers directly, and further advised me that I should proceed by filing disputes with the three credit agencies. I have taken the latter action, however upon conclusion the delinquency still shows on my credit reports.
Consumer complaint received 2020-09-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Had a auto loan with Bank of America for over three years no late payments fell ill got behind a few months on loan so I paid the past due on on the scheduled due date of XX/XX/18 on the statement that the bank sent so the account charged off on XX/XX/18 call a rep XXXX XXXX she advised me that money would not be accepted and applied to the charge off account only
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

My mortgage was with The Money Source Inc. Before I had even  made my first payment the sold the mortgage to XXXX XXXX . I  was made aware of this change XX/XX/2020 and my first payment on the loan is due XX/XX/XXXX ( 3 days notice ). I would like to report that his is in clear violation of the National Affordable Housing Act which requires at least 30 days written notice of such a change. I find this to be unacceptable due to not having adequate time to investigate my rights in this matter.
Consumer complaint received 2020-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (GA)

.19 Loan {$10000.00} for a used vehicle, XXXX XXXX, XXXX, Navy Federal Credit Union, XXXX VA. 

I am a XXXX XXXX XXXX XXXX 1st year in the XXXX purchase my first car on the subject date from NFCU. 

NFCU approved the loan, wrote the check out to the seller for the full amount. I did not know the process at the time, NFCU did not run a title check or at least I don't think they did so this loan was not in good faith and they did not act as an agent on my behalf, they seemingly did not care this large loan was being approved for a XXXX XXXX XXXX without a driver license and no title to the vehicle. 
I was told to get the title and bring it to them in 30 days. 

When I recently went to register the vehicle there is a lien already on the vehicle per State of VA XXXX as a result, I am stuck with a {$10000.00} loan, no title and a car I can not register or use. I am getting ready to exit the XXXX, however, I have a {$10000.00} loan I am responsible for. Since I could not get the title which NFCU already knew or should have known about, they change the loan to a consumer loan and increased the interest rate which leaves me struggling to pay for a vehicle that is no use to me. 

In addition, when I tried to check on the loan process, NFCU gave me an appointment XX/XX/XXXX. 

I believe NFCU did not act in good faith nor on my behalf as a young inexperience buyer.
Consumer complaint received 2022-11-06
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: General Motors Financial Company, Inc. (TX)

On XX/XX/2022, A XXXX XXXX  located in XXXX, Texas collected my personal information under false pretenses ( claiming a cash prize I had won ) and submitted it to the credit bureaus in an unauthorized attempt to offer me financing for a vehicle purchase that I did not want nor request. Unfortunately, this resulted in a XXXX  of new hard credit inquiries on my credit reports that I did not want nor authorize. I was advised to contact each of the individual financing companies that initiated hard inquiries on my report, as to request the removal of each fraudulent inquiry individually. 

On XX/XX/2022, I mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX to inform them about the issue and to request the retraction of the unauthorized credit inquiry. Unfortunately, said letter was returned to me on XX/XX/2022, as 'Undeliverable ' due to the fact that they are reporting an incorrect address to the credit bureaus. Therefore, my inquiry still needs to be addressed.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Section XXXX A. States I Have The Write To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.

15 U.S.C 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-19
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: Santander Consumer USA Holdings Inc. (TX)

Have 2 different inquires on XX/XX/XXXX that I do not recognize and one from XX/XX/XXXX all XX/XX/2020. 

The 1st done on XX/XX/2020 is from Roadloans.co? 
2nd XXXX- XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 I never signed up for these nor gave permission to use my social.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THE FOLLOWING ACCOUNT WAS SUPPOSED TO BE REMOVED AS IT WAS PART OF A MULTI STATE SETTLEMENT, XXXX XXXX XXXX. THIS BANK SETTLED TO CLOSE LOAN COMPLETELY AND REMOVE FROM ALL CREDIT REPORTS. IT WAS ALREADY REMOVED FROM OTHER BUREAUS, BUT STILL SHOWING IN TRANSUNION. CURRENTLY UNDER DISPUTE SO IT CAN BE REMOVED. I ALSO NOTIFIED XXXX XXXX XXXX DIRECTLY, and no response was given. IT IS NOT A A CHARGE OFF.
Consumer complaint received 2020-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

I was under the impression that a medical bill through XXXX in the amount of {$300.00} was on an automatic payment plan and so I had not paid the bill off manually like apparently was what I had to do. I was not aware of this, and thought I had set up a payment plan where XXXX would automatically take money out monthly. This was not the case, I was meant to pay it manually each month but was not aware of this, so the bill went unpaid. XXXX then sent my bill in the above-referenced amount to a debt collecting agency called USCB , Inc . I was not notified of this by either XXXX or the debt collection agency. When I got a notice of a the past due bill, I immediately called XXXX on XX/XX/20 at around XXXX to try to figure out the issue. They stated they had sent the bill to the collections agency called USCB, Inc. in XXXX XXXX, CA. 

I called USCB immediately after on XX/XX/20 to deal with the bill and pay half of it upfront. When I called USCB, they notified me that there had already been {$12.00} ( roughly ) accrued in interest on the bill, even though they only had it for several days, according to them. I asked them how they can possibly charge people interest on a bill that the person responsible for paying it did not know it existed in a debt collection agency? I have not received a single piece of mail, not a single email, and not a single phone call that my bill had been sent to debt collectors, and now, it was already accruing interest. This is extremely shady to me. How can you collect interest on a bill that you were never notified you owed on? I had no idea this bill was sent to the debt collection agency USCB and they were now trying to demand that I pay interest on this bill I never knew existed there. 

This seems extremely illegal to me. This company should have to notify people when they have received a bill IMMEDIATELY, and take action to make the person responsible for paying the debt aware that they have the bill and that they are accruing an absurd amount of interest every day. I would like this to be looked into. How many people have gotten scammed by this company thinking they are responsible for interest on a bill they didn't know they owed on? How is this legal? I would like to start here first and would consider contacting an attorney to uncover whether this practice is legal. I am disgusted by this company 's shady practices and am lucky that I am not afraid to demand explanations but others may have no idea it is their right to dispute such a charge. I would like the CFPB to look into this company and whether the practice of not alerting people that they have their bills while accruing interest is legal.
Consumer complaint received 2020-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

Had trouble at a earlier time after loosing job. Was allowed to make loan current through a reassessing process. My escrow wasn't made current through this process and I only recently found out that it wasn't part of the $ XXXX monthly. Someone in escrow department decided it was a smart idea to make my combined payment over $ 1000 monthly when it was determined I was marginal at the time of the reassessment for being qualified for this help. Now Umpqua Bank is taking my $ XXXX  monthly payment, not allowing my mortgage to be paid and and holding monthly payment in limbo. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX umpqua bank XXXX # XXXX umpqua bank XXXX Box XXXX XXXX, WA XXXX XXXX
Consumer complaint received 2020-09-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (VA)

On our about XX/XX/2020 I paid off the balance of my auto loan with TD Auto Finance ( about {$13000.00}, payoff letter is included in attachments ). On XX/XX/2020 I received the payoff letter ( attached ). On XX/XX/2020 my automatic car loan payment set up through my checking account bank ( XXXX ) posted to my account ( I forgot to turn off the automatic payments!!! This payment is shown in the attached bank statement ). On or about XX/XX/2020 I called TD Auto Finance and was assured that TD Auto Finance would issue me a refund check. On or about XX/XX/2020 I called to check on the status of the refund check and was told that the payment never cleared XXXX it did XXXX. I called back the same day and gave TD Bank the transaction number from XXXX XXXX. I was then told that that information would be sent to their refund department for processing. I called back on or about XX/XX/2020 and was told that the refund check had been mailed on XXXX XXXX, 2020. I called back for status on XX/XX/2020 and was told their refund department was backed up and the check would be mailed on XXXX XXXX, 2020. Still having not received the refund check, I called TD Auto Finance on XX/XX/2020 and was told that the automatic payment never cleared ( it did and has never been refunded ). I acknowledge that it is my fault that I forgot to turn off my automatic payments, but why has it taken almost two months to get me my money back?? I have contacted a consumer protection lawyer and am preparing to file a lawsuit. This is my last ditch effort to get my {$500.00} back before the filing of the suit.
Consumer complaint received 2021-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

My parents took the loan out in my name. Only being a teenager I had no idea what this meant. I am now in my 40s, single mother trying to go back to school to get a good job and I cant because of this student loan that at the time I had no idea was going to haunt me for 20+years. I just want to better my life for my children and I cant.
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (NC)

I have a conventional load with Amerihome Mortgage. I technically missed a payment in XXXX. However, this was simply by electronic error. On XX/XX/XXXX, I submitted the payment using their online payment website. However, the payment didn't process. This was not brought to my attention. I did not realize they did not receive the payment. 

In XXXX, I made my next scheduled payment. However, I was actually paying the late XXXX payment. Again, I just didn't realize it. When I went online to make my XXXX payment, I found Amerihome has fully closed my account and passed it along to another company. Possibly a debt collector but I have not information for them. I have no contact information for the other company.

I looked back through my email to see if I missed something and found that Amerihome had apparently tried to contact me but could not. The emails I received say they do not have my contact information and that I should call them.

Now I try to call them and they do not have a customer representative to talk to or any other options that involve Amerihome.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX ; Experian  and XXXX are not investigating the lates reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of lates and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report attached shows the following accounts are not in dispute when in fact they should be reporting that they ARE in dispute. The accounts are as follows - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these lates and to report these accounts in dispute however, I have not been successful.
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CA)

XXXX XXXX sent our balance to Monterey Financial Agency LLC for  collecting the balance. the balance amount every month keeps going up, when I asked the rep at the agency they told me it's my interest rate that incurs interest daily according to my contract. i asked them to send me the balance they received first from XXXX XXXX and they did, after carefully explaining to them what they were doing wrong, which was extremely hard because they would not even let me talk and cut me off and get very defensive on the call and loud. I talked to their manager and explained they were charging me double interest, the balance already had an interest in it and the manager on the phone  said " made sense '' and she said she will do some digging and get back to me regarding the issue but she never did. this collection agency is deceptive and robbing people every day. they are cheating their clients and charging whatever they feel feasible. they shouldn't even be allowed to do business at all in California.
Consumer complaint received 2024-04-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (OK)

POOR COMMUNICATION & ISSUES WITH INTEREST RATE We utilized Goodleap 's offer for 12 months interest free to install XXXX XXXX. We were advised and received emails advising our initial payment was due XX/XX/XXXX to avoid interest fees. Called today [ XX/XX/XXXX ], we're being advised the interest [ 15.49 % ] has already been added on XX/XX/XXXX. 

Having known a different due date, we would have made payment prior to or gone with our own HELOC which has a better interest rate. Why wait 2 week to add ~ {$2000.00} to an already expensive system. We realize the date of signature XX/XX/XXXX but was advised our first payment was due XX/XX/XXXX to avoid the first year interest. 

Frustrated with being bounced to various individuals to discuss. Documentation signed was via XXXX.
Consumer complaint received 2022-11-06
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. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2022-11-06
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: ID Analytics, Inc. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Under the consumer finance credit laws I have 9 to 20 items on my credit report that the bureau keep recycling and all of these accounts are past the status of limitation but the bureau is reporting thes balances as recent. I am also using a credit repair company to get them off but the bureau keep recycling old accounts as new.