davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (TN)

My family had outgrown our Honda and due to the lack of credit, went to Drive Time to purchase a crossover vehicle. While we were thrilled with the high interest rate or 5 year terms, we were told that it would be reported to the credit bureau and that was an ultimate plus in our book. Less than a year after getting the vehicle, I had a XXXX issue and work was not an option. I was forced to apply for XXXX. I applied for a loan to consolidate a few bills and make a smaller more reasonable payment than the {$440.00} I was currently paying and found out that Drive Time had never reported anything until I was late. There were no positive markings from them at all. I ended up defaulting on the loan. I contacted Drive Time made a promise to make good on my loan as soon as I received my XXXX. They informed me if they saw it ... they would take it. 
Moving forward ... I received my XXXX and kept my promise with Drive Time, I paid over {$2500.00} and continued making my payments. They were reporting my payments up until XXXX of 2014 and stopped. The amount was written off as bad debt and my credit score dropped by XXXX points. When I inquired about it, they said they would fix it ... it took over 3 months and instead of fixing it, they put {$1800.00} on my report as a new loan. You would think this would be an easy fix. I kept my promise and did the responsible thing ... the average person would n't have paid off a vehicle that is in default and costs more than its value. Being a woman XXXX XXXX, I feel you get what you put in the world and so I did what I felt was the right thing. It bothers me that Drive Time hasnt. As a XXXX person, I should n't have to make numerous calls, get a run around and no results. As of recently I owe {$550.00}. In XXXX I was offered a pay off of a little over {$800.00} ... which I did n't have. So this month I was told {$400.00} was the best that they could do. I just feel like I 'm being hustled and drug along until the very end of my financial commitment to Drive Time. Yesterday I requested my payment history to show credits I 've received for referrals, late fees etc, so I could dispute with the credit agencies and get it fixed ... was promised it yesterday ... I still have nothing. 

I will forever be thankful for the blessings and Drive Time 's patience ... but the things I 've endured the last few years has made it hard to speak great about them.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To whom it may concern : I am writing because under my credit report, I am reported as married to XXXX. I am not married and this is an error, as I was married to this person but the marriage was annulled due to fraud. I need my report to show my accurate marriage status, which is single. 

Also, I legally changed my name because the credit reporting agencies continued to link my accounts with those of my mother 's and sisters but now it seems they are mixing up my names. I was born, XXXX XXXX, my mother later XXXX by adding her last name, changing it to XXXX XXXX. Due to all the issues with our linking accounts I removed my mothers last name and changed my first name. My legal name is XXXX XXXX, and I need my report to report the correct information under my legal name and not past ones, that I no longer use. The XXXX report shows my previous name as XXXX XXXX, but my XXXX XXXX report only shows XXXX XXXX under my names used in the past and I am very concerned that since the reports provide different information, when they show my past names, that they think they are dealing with XXXX or XXXX different people. Thank you for your attention in this matter.
Consumer complaint received 2015-05-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services (VA)

I had XXXX loan agreements with Lendmark Financial in XX/XX/XXXX. I ran into some money issues and both accounts went in default. in early XX/XX/XXXX an judgement was granted in favor of Lendmark Financial and the account was soon charged off. I talked to an Attorney and it was discovered that when the judgement was granted, the account was no longer active. ( In other words the judgement would remain on my credit report for 7 years from that day ). The judgement did indeed stay on credit reports for 7 years and was taken off. However, the items still remain on my credit reports ( all XXXX ). I fell strongly that Lendmark Financial has altered the roll off dates to keep the items on my report. ( the dates do not match on the credit reports ). I have contacted the company and reporting agencies numerous time and nothing was done. To sum it up My complaint is that the judgement was removed after seven years but the charge-offs remained. ( they are offset ) and unfairly doing damage to my credit. I think the charge-offs should be taken off just as the judgments were taken off after 7 years. The judgments actually happened before the charge-offs
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jim Bottin Enterprises, Inc (TX)

I had a membership with XXXX XXXX. Their business was purchased by XXXX XXXX over XXXX years ago. I never received any notice from XXXX or XXXX that the business had been sold and that my account had been turned over the new gym. Some months later my credit card was charged {$150.00} by ABC financial. So I called ABC Financial and was told they handle the billing for XXXX and I have a membership there. I have never stepped foot in to a XXXX facility and have never signed any agreement with them. They tell me to call XXXX, I do, and XXXX tells me to call ABC. I call ABC Financial I told them that I did not have a membership at XXXX. I had XXXX at XXXX and never signed any agreement with XXXX and I wanted a refund which they refused. I told them to cancel my account. The next year they charged my credit card again. I called again and went through the same conversation. No refund, telling them I do not have an account and they say I do but they would cancel it now. This past year our credit card number had been changed so they can no longer charge it. They have been harassing me via telephone and email. I have called and spoken to XXXX different account reps who say they have taken care of it however, I am still getting emails. Now they are trying to charge late fees and telling me that if I do not respond within XXXX days in writing or pay the bill their office will take action. XXXX will not speak to you about billing at all.
Consumer complaint received 2016-01-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MD)

I am adding some documents to my original complaint to prove that XXXX was lying to me. I did not go through the mail they sent me and after going through it I found a document that says " Provided we receive a signed copy of this Agreement from you ( the student borrower or cosigner ) by XXXX/XXXX/2015, XXXX agrees to place your Loan into in-school deferred status beginning XXXX/XXXX/2015, and ending XXXX/XXXX/2015. Monthly payment will not be required while the Loan is/are in deferred ( in-School Forbearance ) status. '' When I spoke to XXXX he ( very aggressively ) told me that my request for Forbearance was neither approved or denied yet this letter basically says I was approved for Forbearance and I just need to sign the document. Additionally the letter was mailed XXXX XXXX, 2015. I was just about to make a payment on this account to just show that I am not careless in paying my bills but now I 'm nervous that my payment would count against me in some way unless this is handled by CFPB. I tried to call AES today, Saturday, but they are closed.
Consumer complaint received 2016-01-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

The mortgage we currently have with Ocwen is horrible. We have been making regular payments on time for the last 4 years and the loan amount is the SAME! How can that be? Every time I call them I get transferred several times and when I finally get to someone they state they have no record of the loan. So, where is my money going? And if there is no record of the loan ... then who am I paying? And are the embezzling the money? I have had mortgages before and the amount I owe tends to go down at some point. This is horrible and I ca n't seem to find anyone willing to help! Can you?
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

During the month of XXXX  I made XXXX transactions using my discover debit card XXXX of may posted on XXXX  XXXX for {$14000.00} XXXX of XXXX  posted on XX/XX/XXXX for {$14000.00} These XXXX charges I did via paypal to a company that sells gaming chairs. 
I provided the following address for delivery : Shipping address : XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : New Retail Company XXXX This is the tracking number provided by them : Tracking info : XXXX Shipped by XXXX XXXX This was delivered to a different country from what I provided. Paypal is refusing to refund me, and I contacted XXXX saying they can not help on cases about purchases that I did not receive only fraud related purchases. Paypal needs to be held responsible and return my money this is clearly a scam.
Consumer complaint received 2016-01-02
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (FL)

I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. 

I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. 

In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. 

In XXXX XXXX, another collection agency ( Transworld Systems Inc. ) contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (MD)

I had an American Express XXXX credit card. I lost my job in XXXX XXXX and was unable to make payments. They immediately sent me to a collection agency and closed the acct in XXXX XXXX. As soon as I was able I paid the debt in full on XXXX XXXX XXXX. In XXXX XXXX I checked my credit reports and noticed errors on this account. It was showing as a charge off even though it was paid in full. I have submitted over XXXX disputes since then to the XXXX CRAs. The XXXX report is somewhat accurate in that it shows a closed-paid collection/derogatory status even though they removed all positive payment history. My dispute is with XXXX and XXXX. For some reason, the account now shows as Open - Collection status since XXXX XXXX XXXX and XXXX XXXX XXXX. I disputed repeatedly and they " confirmed '' this status as correct. I asked AMEX to send me a letter with all info on my account and to update with CRAs. They sent me a letter that shows Date Opened XXXX, {$0.00} balance, but the status is " Collection Account - Closed by credit grantor ''. No other info is detailed such as date balance was paid in full or date when acct was closed. On top of that now AMEX sends me pre-approved credit card offers even though I asked them not to do so. I have already been denied credit twice with other lenders due to " account in collection '' type issues as I did n't know these accounts were somehow reported " Open- in collection ''.
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Original dispute case number unwilling to correct Describe what happened so we can understand the issue ... 

all fraudulent inquiries : XXXX XXXX/XXXX/XXXX BK XXXX XXXX XXXX/XXXX/XXXX BK XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXBANKXXXX 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 XXXXBANK 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 XXXXBANK XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX as well they do n't list that i only now have XXXX XXXX account and the credit limit is XXXX i have told these people and told these people about my ex wife becoming upset over child support issues and trying to ruin my credit and they fail to do anything.
Consumer complaint received 2016-01-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Risecredit, LLC (MO)

I entered into a debt reduction program. Cease communication papers were filled out and sent on. I have also sent them messages with the phone number of the credit counseling firm. I asked that they call them instead of me. I am still getting at least 5 calls a day. Sometimes 8 to 10 calls.
Consumer complaint received 2016-01-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (TX)

There is a XXXX bill that has shown up by a credit agency and they continue to call me even though they know it was my ex-husband that opened the account. This is not my debt it was opened fraudulently and I want it removed from my credit report without further harassment. 

I should not be treated this way for something that I did not purchase or get the benefit of.
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AL)

Experian is reporting that I have an open and unpaid judgment in XXXX County, NY court. I have previously disputed with the bureau because the judgment was vacated due to improper Process Service. They have refused to remove the public record. The judgment has been vacated and therefore should be removed from my credit report.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

I had a secured credit card with this company ( my first ever credit card ) and never was late and eventually was able to transfer it to an unsecured credit card due to good payment history. I took pride in having a great credit score. This card helped me build my credit annd purchase my first home. Unfortunately, One day an unauthorized charge during Covid was made to the card, and that charge exceeded the allowed credit limit. I informed the company and they told me they would send me a NEW card. They sent the card but when I received this card I was unable to activate the card. I call the company and they on the phone informed me the account was closed and a balance was due. I was already going through a hard time as it was. Unfortunately the company ignored all of my attempts of explanation, reasoning and out right did not help me. For almost 2 years ( me disputing this ever chance I get ) they have been reporting a balance owed ruining my personal ability to find housing, obtain transportation or even open new accounts. The company wrote off most of the balance and remains to attempt to collect the other part of the balance. Im tired of this abusive practice by this company. They are not following The Fair Credit Act, they did not attempt to help me at all, they claimed to verify the account is mine but never took responsibility for the unauthorized charge, closed the account while knowing this issue was at hand and never tried to help me with the unauthorized charge which exceeded my allowed credit limit which makes zero logical sense. Then stuck me with the bill and have been ruining my life ( going against I the consumer ) holding me hostage and using abusive tactics. I am being forced to take drastic measures I other wise would not have to.
Consumer complaint received 2016-01-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (FL)

DriveTime Financial whom my auto loan is through refused to change the date of when my payment is due. I advised them my company 's payroll dates were changing and the company refused to change payment dates as a one time courteousy to be line with my company 's payroll dates.
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE (FL)

I have visa credit for 6 yr never mists any payment the problem is my name Im a man and my name XXXX XXXX the keeps asking me to verify account info. ... Everytime I input my credit card info and press enter it gos back to ... Every time it asks for verification, it 's like all my address information, plus my .... Go into bank and show my ID
Consumer complaint received 2016-01-02
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Windham Professionals, Inc. (TX)

To Whom It May Concern : On XXXX XXXX, 2015, I spoke with XXXX XXXX of Windham Professionals XXXX who advised me on available options I would need to take to avoid a wage garnishment pursuant to a student loan default. XXXX XXXX requested my XXXX tax form, which I faxed and obtained confirmation of receipt on XXXX XXXX, 2015. I never received a follow up call or email for next steps. 
On XXXX XXXX, 2015, I received a phone call from XXXX XXXX of Windham Professionals XXXX who discussed with available options to avoid default and garnished wages. XXXX XXXX offered ( and I accepted ) a payment arrangement whereby I would pay {$100.00} toward my student loans beginning XXXX XXXX, 2015. The first payment was withdrawn from m account per the agreement on XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I received a letter of garnishment in the mail entitled Employee Notification of Garnishment Order for Student Loan and dated for XXXX XXXX, 2015. This letter informed me that I have received a court order to garnish my wages and that the first deduction would begin on my next paycheck. 
I object to the garnishment because the method by which it was accomplished was unfair and deceptive and I was not afforded adequate notice pursuant to law. I never received prior notice or a Notice of intent Garnish informing me on my rights. I should have been informed of my right to request and inspect copies of my student loan records ; my right to request a hearing to present evidence that the garnishment should not be allowed ; and my right to enter into a repayment plan with the loan servicer. 
If my conversation with XXXX XXXX was my " notice of intent '' ( which can not be considered proper notice ) then orally accepting and agreeing to a payment plan should have prevented any garnishments proceedings. Proceeding with garnishment despite entering into a voluntary payment agreement with XXXX XXXX was procedurally improper and intentionally deceptive.
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a legal item showing on my credit report for {$3800.00}. This was from Capital One. I was not allowed to make minimal payments during a financial hard ship I was in due to particular medical issues and money. I was trying to work to keep this item paid the best I could at the time. They wanted me to put a huge " down payment '' in order to lock in and secure a settlement amount. I was not able to do that. I had no one to borrow money from and cause if this account on my credit I could n't do a balance transfer like they suggested. This item was place in my credit as a lien item ( ref # XXXX ). I have tried to work with them to get this matter resolved and was asking the best attempt to pay this with payments of {$50.00} which they told me I HAD to set up with auto payments. They did not allow. Me to make payments on this as a settlement amount, which I feel is unfair and a lie. I have heard other people are able to do so and have done so. They told me the lowest settlement amount was like 60 % of the total debt. I feel that was an unfair statement and a lie. The debt was places with a so called attorney office but they were very rude and harassed me about this bill continuously with threatening tactics. I made a complaint to capital one and it was supposed to be sent back to original creditor, capital one, they told me I would receive a settlement offer in the mail, but never have. I am tired of the stress and hassle to try to pay this dept. I have had many unexpected medical bills come up. I think it is wrong when companies take advantage of consumer because we do n't know the proper wording to use to get them to be honest with us. It is unfair that one can pay 30 % of a debt that is owed and make payments toward that but they refuse to allow me to and say that 's not possible. That is unfair and deceptive and against the law.
Consumer complaint received 2016-01-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CHS, Inc. (VA)

I did n't know these were not paid unti after they were in collections I do not recall the dates of service and the bills may have been included in a bankruptcy filing. I tried to set up payment and received on letter then no more communication. Left more than XXXX message.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX  XXXX XXXX did not properly notify of action against my account, and are in direct violation of 15 US code 1666 ( b ). There are no electronic notifications XXXX paper notifications nor calls for my personal credit card account until after XXXX of XXXX. I did not receive statements as requested by mail in XXXX. Additionally, I have made on time ACH withdrawal payments since last year XXXX of XXXX. They have reported my payments late and the amount of XXXX of payments made from XX/XX/XXXX to current and are reporting 30 days over due from XXXX of XXXX through XXXX of XXXX making a severe negative impact of my score causing other creditors to reduce my availability to credit and closing accounts due to their incorrect reporting.