davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Commonwealth Financial Systems, Inc. (KY)

It did not allow me to check everything they did wrong. However I will start by saying Commonwealth Financial Systems is a pathetic excuse for a company. The employees that represent this company are the most ignorant and hateful beings I have ever had the displeasure of speaking with! I was appalled by the lack of professionalism they presented. I was not told of the so called " Mini Miranda '' notice at the beginning of my call when I spoke to a Specific representative this rep was XXXX of the worst and I have her name and reported her which did no good I am sure. Aside from all that when speaking with this specific rep I was so hurt and disgusted by her attitude I asked to be transferred to a manager high than her she REFUSED! stating that she will take care of me I asked multiple times to be transferred she refused every time finally I hung up and just asked to be transferred to someone besides her. On another note I do not owe this debt I have received absolutely nothing in the mail prior to it being sent to collections and the debt is from 2009 in my state of KY the statute of limitations has expired yet they continue to bother me. I also asked for an itemized bill because I wanted validation of the debt before I even think to pay a penny. They " requested '' it over a month ago and still nothing has been sent to me. I have never in my life been so mistreated by any company! It is my understanding that if you represent a company one would think there would be at least a small amount of respect exchanged by the employees to the consumer. I received nothing but unanswered questions hateful and insulting behavior from the representatives and a clear understanding of who not to be as a human being. I would never speak to any individual or treat any XXXX as they have treated me!
Consumer complaint received 2015-06-15
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Performant Financial Corporation (KS)

A collector at DCS ( named XXXX XXXX ) contacted my husband at work to discuss my student loan. My husband is not on my student loans and I had NOT given permission for any third party to discuss my information. He gave my husband my information to verify my identity.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: General Motors Financial Company, Inc. (CT)

GM Financial has been reporting a late payment 30-59 days past due XX/XX/2016 since that time. I have contacted them over 20 times regarding this false late payment reporting. They have stated numerous times they have updated the credit bureaus however, to this day it is currently being reported on my credit report. I am in the process of buying a home and have asked them for a letter stating that I was not late XX/XX/2016 and have been told they ca n't provide a letter without proper authorization from their legal department. I have waited patiently and explained the situation and need for it to be rectified immediately. I have contacted them numerous times over the past two weeks without without compliance. I again contacted GM Financial today and was told by the representative that there was no one I could speak to and again to call back in 3-5 business days. I offered to send them a copy of the credit report as they are stating they did not report a late in XX/XX/2016 and the representative refused to provide info on where I could send the credit report showing the late reporting to. I would like a letter from GM Financial stating that I specifically was not late XX/XX/2016. To wait for credit reporting to be updated would not be beneficial as this late is the one thing holding myself and husband up from closing on a home loan. GM Financial have also reported to me that they have done this in the past however, the late is currently being reported as such. Thank you for your attention in this matter. You may reach me via email at XXXX and also via phone at XXXX.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IN)

XXXX is n't reporting the XXXX XXXX auto as being included in our Bankruptcy and Experian is showing lates in XXXX in error. XXXX XXXX is reporting correctly with no lates in XXXX or after as the Bankruptcy was started in XXXX ( and discharged in XXXX ) and all of my wife 's and my debts were charged off and included in the Bankruptcy in XXXX. I demand that XXXX shows this account was included in our BK and that Experian removes the lates from XXXX that are in error.
Consumer complaint received 2017-02-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (MI)

I have no idea what this pertains to. I have received numerous emails from this company. I have not authorized them to contact me via email. The email asks for me to enter personal information and I refuse to enter any personal information in order to receive the attached document. For all I know, this could very well be a scam.
Consumer complaint received 2016-02-11
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC (MI)

This debt continues to be reported to the credit reporting agencies as an open collection however I received a " Cancellation of Debt XXXX '' to report on my taxes. If the debt has been ( cancelled or forgiven ) as it reads on the XXXX, how can they still pursue collection?
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (PA)

Initially, I submitted documentation to Caliber Home loans that there was no lien on the home from XXXX XXXX, because I had only received a notice in the mail regarding that XXXX collection agency. 
After going down to the courthouse, I learned that XXXX XXXX had a judgment on my home. The debt was paid on XXXX 2015. In XXXX 2015 Caliber received documentation that the debt was paid and there was no lien on my home. Caliber still denied the remodification due to a lien.
Consumer complaint received 2015-08-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (FL)

I am trying to buy a house and received my credit report and found numerous inaccurate, aliases, accounts and addresses that are damaging my credit report! I have sent 4 rounds of certified and notarized letters to XXXX, Equifax, and XXXX. I have even spoke with the fraud department in each agency and sent a FTC identity theft report to each agency. 

I have sent certified letters to XXXX asking them to remove Several addresses from my report because I only have one address. 

I have also sent letters to each agency explaining and demanding to remove negative transaction history as well as fraudulent collections! 

According to the 15 U.S.C 1681 law, there should not be any damages on my report and it is a defamation to my character.
Consumer complaint received 2022-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

On XX/XX/2022, I received a call from XXXX about my homeowners insurance that was being cancelled, XXXX stated they have not received a payment. I told them Im in escrow and my mortgage company pays my insurance. 
XXXX advise me to contact Mr. Copper XXXX my mortgage company ) I called Mr. Cooper mortgage on XX/XX/2022 at XXXX, I spoke to a representative that was in the insurance department, she stated that XXXX had failed to send the renewal paperwork so that can see what the balance is going forward. She stated they tried to contact them on XX/XX/XXXX, XXXX, & XXXX. The Mr. Copper representative said she can call right now to get in touch with an agent. She placed me on hold ( 5 Minutes later ) she returns to the line and stated they would not let her speak to a live agent. That it directed her to the website for more assistant. I asked what time do the close for the night, she said XXXX EST, I told her I will reach out to XXXX  and I will call back. 

I called XXXX back, spoke to a superior, XXXX stated they sent the document via IET ( Internal electronic transfer ) on XXXX XXXX. And then sent it by mail. The stated they have not received any phone calls from the mortgage company on XXXX XXXX, or the XXXX. If a mortgage company contracted them, they would not advise them to go to the website. 

I called Mr. Cooper mortgage back, I spoke to a customer service representative that stated there was nothing wrong with my account, that everything is updated and paid for. I informed her I just spoke to the insurance department and they said something different. I asked several times to be warm transferred to the insurance department so I can speak to someone there. She stated that the insurance department was a third-party company, and she can only cold transfer me. I stated I called earlier, and a customer service representative warm transferred me over. She wanted school me on how mortgages and escrow worked, and told me that I was lying, that I told her a different story and that once again that my insurance is not cancelling and that the amount was paid in full. I asked to speak to her supervisor, she stalled for five minutes letting me know once again that I was wrong. 

She warm transferred me to her supervisor, the supervisor heard my story from the beginning until I was transferred to her. She stated that customer service was total incorrect, that the account is past due, that there is a issues with my homeowners insurance. She warm transferred me to the insurance department. Apologies for the pervious representative miss handling of my call. 

The representative for the insurance department started to reiterate that XXXX was doing their job that they received no documents. I told her what the representative for XXXX said and gave her all the information. After a back and forth she asked how much did the renewal cost. It was XXXX She placed me on hold, a few minutes later she said she send out the payment so everything should be okay. Apologized and released the line.
Consumer complaint received 2021-05-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Around or about XX/XX/XXXX XXXX XXXX placed a collection on my Transunion credit file. Upon further investigation, this account was transferred or sold and I am no longer responsible for the accountXX/XX/XXXX XXXX has repeatedly failed to verify this account, since my initial dispute in XXXX of XXXX. Also there was no written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt. And anyone can send a bill and say it belongs to me. According to the FCRA,XX/XX/XXXX XXXX has violated my right as a consumer. Therefore, I am requesting legal action to remove this negative item immediately. I have waited long enough for this issue to be resolved.
Consumer complaint received 2015-10-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NH)

In my previous complaint to you I advised that XXXX/Navient cancelled my interest rate reduction program that they provided to me after my first complaint through you. Well, this is my third complaint and I am letting you know that they have again canceled my interest rate reduction program. I need help. 

Again, they send a document to their online platform for me to review rather than just sending the document to my email. I need to stay informed. I need my interest rate reduction program reinstated in order to afford my student loan. I can not afford their current 9.75 % interest rate on my current balance of {$82000.00}. 

Take a look at the transaction history I have attached and see if you can make out what exactly happened to the account. All the " Adjustments '' and capitalized interest I had no idea about. 
Please help.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I had a secured credit card with Citibank. When I had XXXX, I called the creditor, made a payment arrangement, then paid off the secured credit card, I then lost my purse with everything in it. As soon as it happened, I reported it to Citibank, yet Citibank did not close the card on that date and unauthorized charges came through, then Citibank denied my access to online banking and I was unable to view my statements. Citibank never advised me to file a police report. I disputed the unauthorized charges with the merchant, but it appears I did not purchase the identity theft feature that they offer, and I did not file a police report, because I did NOT have my purse stolen, I lost my purse. I have also requested itemized statements from Citibank but they have not provided them. They told me they can only provide itemized statements if I pay for the statements. On XXXX XXXX XXXX I ran my credit report on www.annualcreditreport.com, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That's when I saw that Citibank was inaccurately reporting. I reached out to Citibank, but they asked for a police report. I told them I was willing to pay the unauthorized charges, because I need to be approved for a loan for medical treatment. Citibank verbally agreed to delete, if I paid {$160.00}. I paid {$160.00} on XX/XX/year> with Check # XXXX, but the inaccuracy of {$160.00} was not deleted, they are still reporting late payments and I never received my {$200.00} security deposit.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC (TX)

I no longer host possession of this credit card. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately. A Fair solution would result in removing this inquiry altogether.
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (LA)

I own an investment property at with my ex-husband where he hasn't paid the mortgage in a long time. The court has given me authority to act as sole negotiator for this property and I listed the property with a real estate company. The property is in foreclosure state but we have a buyer who has given us a contract to buy it for {$140000.00}. The total balance owed to Specialized Loan Servicing is {$160000.00} and to XXXX XXXX XXXX where we borrowed the downpayment is {$21000.00} where he hasn't paid either. XXXX XXXX has a second mortgage on the property. 

The title closing lawyer has requested a payoff from SLS that would be a short sale. I submitted to SLS an application to ask for a short sale. But they will not answer. The act of sale was supposed to be today, but the lawyer says we can't do it because we don't have agreement from SLS for final payment. 

This is causing me a hardship because I am trying to settle these debts and restore my credit. I was out on XXXX XXXX for 7 years and just went back to work where I am being garnished for debts my ex husband has not been paying. He is on XXXX and not responsible. 

I am attaching the application the title lawyer sent to SLS to approve short sale and the last payoff statement they sent my real estate agent in XXXX when I listed the property for sale. I am a responsible person and trying to do the right thing and sell this property, but it is not worth as much as is owed on it so this is the best I can do to sell it. It's just not right that they won't answer when I have a buyer ready and able to buy the property. And I might lose the buyer if we can't go to act of sale as soon as possible.
Consumer complaint received 2016-09-29
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Simple Cash Loans, Inc., (CA)

I got my husbands car impounded by police, car had 30 day hold on it. I went to XXXX for XXXX. When I got out in 3 days found out husband was XXXX. Next day my husband passed away. We had a title loan him borrower, me co signer. I called company told them everything. They said they would get car out and I would have to pay fees to get it back. We talked the whole month. They sold car behind my back.
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MN)

My mortgage company ( US Bank ) is not reporting my payments after my chapter XXXX bankruptcy. The loan was not reaffirmed in the ruling. They also did not close a line of credit attached to my checking account, that is being reported negatively, which was part of the bankruptcy discharge.
Consumer complaint received 2016-04-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Extremely long wait to be attended through inside lobby. This happens every time I come to Bank of America. Why do n't they just add more tellers from XX/XX/XXXX-XX/XX/XXXX. I get that everything is online now, but this wait time is disrespectful to the consumer.
Consumer complaint received 2021-05-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit, Inc (NY)

I purchased my vehicle at Audi XXXX XXXX in California and financed it with Audi financial on XX/XX/XXXX. I made my payments on time, but on XX/XX/XXXX, I parked my vehicle in front of my friends property in the morning, but when I left at XXXX, the car disappeared. First I thought that was due to parking enforcement, but California highway patrol claimed they didnt tow the vehicle. Then I called Audi financial to see if they had the car towed, they claimed they didnt tow it, it was not in procession. I kept contacting police department, and on XX/XX/XXXX, they claimed the vehicle was stolen, and it was marked stolen by Audi. Then I contacted Audi Financial over and over. They kept asking me to wait 24 hours/ 48 hours/ 72 hours to get a response. I never received any callback. And on XX/XX/XXXX, they said I have to pay the balance in full to get the car back, couldnt provide me any reason or information.
Consumer complaint received 2017-03-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc. (TX)

This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed.
Consumer complaint received 2015-10-13
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

On XXXX, I transferred {$290.00} to my aunt in XXXX, NV to reimburse for home improvement expenses for my mother 's home which she is in the process of selling. My aunt added her bank information and submitted a transfer request, which should have been completed by XXXX. The funds never showed up in her account so she called me. I immediately submitted a customer service request and waited several days. When I did n't receive a response, I used another service for the transaction ( which completed without a hitch, by the way ) and requested a refund. After multiple customer service requests, I attempted to call, but there appear to be NO phone numbers available for this company. I also tried to call the parent company, PayPal, but their XXXX XXXX corporate headquarters only provide EBAY voice prompts in their phone system. It has been simply impossible to get through to a live person or get any kind of response from this company. I am a senior citizen and need my {$300.00} back! HELP!!