davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-06
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CURO Intermediate Holdings (TX)

This company Speedy Cash. Sends repeated threatening email to my work email. This is how they are communicating to me. This company also has put this on my credit report and is negatively hurting my credit history. Emails are coming from random people with oulook accounts stating, they will contact my employer so they can take action against me. There are threatening to sue me and have different amounts to pay on each email. This is a fradualent company who terrorizes ppl. I have told them to STOP contacting me at my workplace which is a violation. I have the emails for review.
Consumer complaint received 2016-01-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

Purchased vehicle with 21.9 % interest and the sales person was not clear about the terms of the contract. The XXXX mile four year warranty was really only a XXXX mile four year warranty. The sales persons were deceptive and not looking out for the customer and more focused on commission of the sale. After nearly four years I still owe more than the original sticker price of the car. The car needs major repair but the warranty is expired. They refuse to offer refinance option to make the car more reasonably affordable. It may take four more years to pay off a car that has started to fall apart. I am unable to purchase a dependable car because of this terrible contract with them. I feel like I was trapped into a bad contract. This contract is forcing me into filing bankruptcy as an only alternative.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Transunion Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Transunion has not conducted a proper investigation nor provided the required documentation.

Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and repo
rting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) (
2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Transunion failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Present below the inaccurate information persistently affecting my credit report.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I applied twice for a mortgage modification for my Ocwen loan which I desperately needed. Both times I was told I could not get a modification because I was n't late on any payments. Both times they told me I had to be make late payments ( or no payments ) for 2 months. ( this information is on several recorded phone calls. ) As I understand it, the banks are not allowed to force you to make late payments. The third time I applied I met the criteria of being late 2 months and I was given a modification. In the interim my credit card companies all lowered my balance amount so I ended up with almost no credit for emergencies. This too pushed the score down even further. I can not imagine how long it will take me to recover my good credit. I would have qualified the firs time I applied had they not insisted that I make late of skip 2 payments. I did have an ARM. Each application I ended up with probably 6 different people as my point of contact. You can not get help over the phone. The people who answer are very difficult to understand as XXXX is their XXXX language. If you have questions, there is no one to talk to.
Consumer complaint received 2015-05-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

My home mortgage was with Ocwen and I refinanced in XXXX of this year. The payoff was as per the payoff quote provided from Ocwen ( copy attached ), prior to expiration ( XXXX/XXXX/15 ), and included 5 days per diem. As of XXXX/XXXX/15, my escrow account had a remaining surplus of {$620.00} ( copy attached ). After several phone requests, Ocwen reimbursed me only {$230.00}. Every time I spoke to someone at Ocwen to get the remaining balance of {$390.00} I have received a different reason as to why they do n't have to refund it. I then mailed them a demand letter ( copy attached ), and they responded with stating that " {$250.00} was utilized to satisfy the additional expense after payoff and {$130.00} was disbursed towards the Federal Housing Administration ( FHA ) insurance. '' ( copy attached ). The payoff amount was as per the amount they provided, and was made on the final day the quote was valid through and included 5 days per diem on top of that, so there are no additional expenses. The PMI insurance was paid from my escrow account with each monthly payment and was never in arrears, so there should not have been any additional payments required.
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (IL)

XXXX was approved for a XXXX trial, with payments from XXXX. He completed the trial. I was told that documents were in process of being drawn up before I left for vacation in XXXX. Upon my return in early XXXX I contacted Seterus and was told the final modification documents were sent out to the borrower XXXX/XXXX/15. Borrower never received those documents. I then made a call to Seterus XXXX XXXX and was told the documents were going to be faxed to me since the mailed copy never got to the borrower. They told me it would take up to 48 hours. I made calls to them the XXXX, XXXX, XXXX and XXXX following up on the status of the faxed documents. Each time I was told they were escalating the request and to check my fax within 48 hours. On the XXXX they told me they would put a rush on the request. I called to follow up again today after not finding my fax and was told that the reason I have n't received he fax is because they have n't sent it due to a " litigation '' preventing them from sending the documents directly to me or the borrower. I was told it had to be delivered from their attorneys directly to the borrowers attorney, or directly to the borrower. After a whole month waiting to receive he documents via fax they tell me that!
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (ME)

There are multiple debts form XXXX collection agency listed on my credit report. Equifax is the difficult XXXX. I disputed with XXXX I was not notified of the debts or collection accounts and they removed them. Equifax, even when told the same cause, will not, even when I tell them the collection agency never notified me of these debts and I was not aware of them ( as an option to chose from ) they still keep stating it is my debt and wo n't remove it still. I tell them I should have been notified, nobody is proving if I was or was not notified in any way giving me a chance to review the debts and respond to them before they went to my credit report.
Consumer complaint received 2015-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Yesterday I received a letter in the U.S. Mail from " Equifax '' dated " XXXX XXXX, 2015. '' Last month I had wrote to " Equifax '' stating that under " Personal Identification Information '' section of my " Equifax '' credit file that I was also known as " Formerly Known As : " XXXX XXXX. XXXX. '' My full name is and has always only been " XXXX XXXX XXXX, XXXX '' I do n't know anybody nor have I ever used the name of " XXXX XXXX. XXXX. '' And when I called " Equifax '' they also refused to " delete '' this " Identity Theft '' information on my " Equifax '' credit file.
Consumer complaint received 2016-04-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Security National Automotive Acceptance (CO)

I refinanced my auto loan. On XXXX XXXX I overnighted a check to SNAAC. On XXXX XXXX I called to verify they received the payment for the full loan amount and to make sure they would not pull funds from my account. I was told that no payments would be taken because they did receive the check. In fact, I was informed that I had a XXXX dollar credit that would be sent to be my mail. I was lied to. my full regular loan payment was withdrawn on XX/XX/XXXX despite being told that would not happen. Luckily I had the funds in my account, but with it being SATURDAY I am left with little to take care of my family this weekend. I called my bank but the process on their end takes up to 45 calendar days. I am really disgusted that a company can do this to people. I was given a blatent lie, and I feel like they told me what I needed to hear to get me to go away.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Original CFPB complaint filed under case number : XXXX. This original complaint was not investigated properly by the CRA, rather they decided to respond with a standard boiler plate response. The CRA mentioned in this complaint is not following the FCRA properly, in fact under a report from this agency dated XXXX XXXX, 2016, file number XXXX, the information that was disputed is listed on the report as " estimated month and year that this information will be removed : XXXX ''. It is now XXXX, so this information should have automatically purged. In fact, this has already automatically happened at XXXX. Rather, somehow TransUnion believes they need to confirm with the original furnisher of information. This would leave anyone to believe that TransUnion believes that the data that they furnish, might not be reliable and consistent.
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2022 I starting receiving text messages that A XXXX XXXX has sent me XXXX dollars into my Venmo Account. I received several of these texts equaling a total XXXX XXXX. Immediately I starting having withdrawals from my bank account through my attached debit card of XXXX. I was quick enough to catch the XXXX withdrawal and was able to cancel my debit card through my bank. I still have pending withdrawals in my Venmo account and I am afraid that Venmo will come after me for this money. I have contacted them and after their investigation they have determined that I have violated their policies and frozen my Venmo account and closing the one I have. They also said that the XXXX dollars will be held up to 180 days before they will refund it to me. Their customer service seems to be in a foreign country ' and it is hard to understand them and was told by the person I talked to that I was to reply to the email they sent me because that is the only way I can talk to the person handling the complaint. In my reply to the email I told them I have not committed any fraud and that the XXXX dollars is not mine. My financial institution has determined that fraud was committed against me and that they are going to refund me the XXXX that was taking from me.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Innovate Managed Holdings, LLC (OH)

I called my loan company to dispute inaccurate credit reporting, and the company name is Innovative Loan Servicing ( XXXX XXXX XXXX XXXX ). I have an auto loan with them for my XXXX XXXX XXXX. XXXX XXXX is the only credit reporting agency with a record of the account open in my name but no payments have been reported on the account since XXXX of XXXX. XXXX and XXXX have no information reported to them about the accounts current and past status, and they can not intervene with a dispute on my behalf without a report submitted to them from Innovative Loan Servicing regarding my loan payments.
Consumer complaint received 2016-06-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

Funding at Toyota Financial Services in XXXX, XXXX. We are in charge of reviewing the lease agreements and contracts that come in from XXXX customers who buy or lease a vehicle. Within the State of XXXX, consumers are given a trade in sales tax credit for their prior owned or leased trades. XX/XX/2015 Toyota got word that the WI tax rules had changed but did not update their systems. When calculating the taxes, myself and a few others noticed that XXXX dealerships, XXXX XXXX XXXX, XXXX of XXXX and XXXX of XXXX had their customer 's taxes coming in at lower amounts. Upon further review, we discovered that it was because those dealers had updated their systems to reflect the new tax laws. 
This means that a new tax calculation worksheet needs to be created. 
It was, however was only used for those XXXX dealers. The rest of the dealers use the old one. 
This did not sit well with me and I provided examples to management who admitted that there was disparate treatment due to the fact that if you purchase or lease from any other dealer, you would be paying more per month in monthly sales taxes than if you were to pay at XXXX of these XXXX dealers. It is now a year and a half later and the dealers have not been instructed to update their systems and I have constantly been told that more information is coming. I am told we will be discussing this soon. 
In the meantime deals are being booked everyday under management 's eye knowing that there is disparate treatment being done in the State of XXXX. You have tax XXXX worksheets being done and if you are unlucky enough to buy from another dealer, you may be paying more per month in sales taxes. 
I am no longer employed by the company however, just as I did when I was employed, I knew this was wrong and I brought it to their attention. 
Now that I am free from speaking out against them per policy, this is to help all the people in WI know that us other small people are on their side and we do try. Corporate America just does not care.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (MO)

Paid for Credit Monitoring, XXXX, {$19.00} per month, XXXX/XXXX/15 called back XXXX/XXXX/15 at approx XXXX : XXXX to cancel and was told that you could not cancel XXXX, they would charge. They would cancel it effective XXXX XXXX. I explained that I did not have a opportunity to really understand what I had signed up for. Since I had a chance to talk to other and realize I already had similar services, I called back to cancel and they said " TOO BAD ''. I would like my money back.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

There are a number of hard inquiries on my credit reports that I did not apply for. I was just made aware that I can dispute these. This came to my attention after XXXX suddenly appeared on my TU report twice for something that I do not remember applying for. The following inquiries I believe to be inaccurately reported. 

TU : XXXX XXXX/XXXX/XXXX, XXXX twice XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX : XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX I 've attached copies of my most recent TU and XXXX credit reports for your reference. I 've been trying to establish credit for myself, so you 'll see a good amount of inquiries listed. The only ones I believe to be inaccurate are the ones I 've mentioned above. If you have any further questions regarding this, please do not hesitate to ask. Thanks!
Consumer complaint received 2022-06-21
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

In XX/XX/XXXX, I went into the dealership to see about a XXXX XXXX. However, me being a new buyer, I didnt have the proper credit score to get the vehicle I wanted. My credit score was ran numerous times where I was approved for a XXXX XXXX XXXX and I was pressured to buy it by the dealership. The paperwork was fraudulent. They lied about my income amount and I was faced with a very high car payment monthly. After a day, I tried to contact my salesperson to return the suv and she was nowhere to be found. Not only was the sale fraudulent, I was sold a lemon. It isnt even drivable. Numerous mechanic work still didnt fix the issues ; codes were just cleared.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (GA)

I have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXX XXXXXXXX ) I would like have XXXX XXXX XXXXXXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. 

I have attached drivers license, Social Security, card, and proof of address
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

I filed for a loan modification in XXXX. It was never processed. They restarted a foreclosure action in XXXX of that year and claimed they mailed a back-dated letter that I never received. I never had the ability to appeal nor was given any information about how I did not qualify. The servicer is currently barred from foreclosing, as of the XXXX, from the XXXX, and is proceeding anyway and nothing has been done to correct this error from XXXX nor from the same situation in late XXXX.
Consumer complaint received 2016-09-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

Your company failed to provide a complete response dated XX/XX/2016, to an inquiry that I submitted to your company on XX/XX/2016, regarding owner, seriver, Master servicer, and their addresses. Your company failed to state whom Master servicer is, along with address. You company also failed to provide address of stated servier. 

Please provide a complete response. 

Additionally I am now also requesting, site address, along with mailing address, of servicer, Master sevicer. Please provide a detailed history, of all servicer ( s ), and Master servicer ( s ), whom have serviced my account, along with dates, of service ( s ). 

Attached to this inquiry, is the inquiry from XX/XX/2016, along with response dated XX/XX/2016, in .pdf format. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
Consumer complaint received 2022-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

Loans werent talked through in the process of enrolling in school. XXXX XXXX in the year 2014 did not handle the appropriate steps, signed the student up for loans without informing student appropriately.