davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (ME)

I applied for a payday loan on XX/XX/2018. While on the phone, and dealing with the contract I specifically asked the person if i paid off the loan on my next check what the full amount due would be. I was told about {$30.00}. When the time came to make the payment, all of the sudden it was very much more. I could not afford the full amount so I just let them take out the {$58.00}. Ive since made numerous payments, including one on XX/XX/18 inn the amount of {$58.00} & {$41.00}. On XX/XX/18 I request my payoff amount. I emailed them five times in total, with the last one on XX/XX/18. All requesting my payoff amount. They then called me on XX/XX/18 and said they were attempting to collect a debt. I asked how I was in collections when they have automatically been debiting my checking account each pay period since I took the loan. I told them Id had enough and that Id be filing a complaint with you all. I disconnected the phone. I then received a text message that stated my payoff amount is {$240.00}, and asking how I intended to take care of the payment before it is escalated further. I texted them back and asked escalated for what? Ive not missed a payment ... they automatically deduct it. I also sent a screenshot of my checking account showing the payments on XX/XX/18. This company lied to me on the day I took the loan. They have not given me my payoff amount even though I have emailed and texted requesting it numerous times. It always takes a week to hear from them, all the while they are racking on the interest to my account. I have now put a stop payment on my account. I will not allow any further payments to be automatically deducted from my account. I have no issue paying a debt, but I will not be financially XXXX. 

I do have emails that I can forward to you all showing my requests. I will attach screen shots of the texts I received today, as well as ones that were sent a few weeks back.
Consumer complaint received 2018-05-21
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

XXXX XXXX XXXX  ( XXXX ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/2018, XXXX stated, " Lenders Placed Insurance In your inquiry, you question XXXX adding Lender Placed Insurance ( LPI ) to the account. XXXX does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from XXXX dated XX/XX/2018 and received XX/XX/2018, XXXX states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to XXXX they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. XXXX continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.
Consumer complaint received 2018-05-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

My elderly father and I joint leased a XXXX XXXX XXXX for my XXXX XXXX XXXX daughter from XXXX XXXX in XX/XX/XXXX. It was a three year Lease and I elected for the extra 25,000 miles a year option. There was never a late or missed payment on the account for the entire duration of the lease term. The lease was up in XX/XX/XXXX in which I called XXXX XXXX  and requested a three month Extension on the lease. I was granted the extension I signed the agreement that was sent to me and returned it immediately at that time XXXX XXXX was not automatically drafting the payments as it had for the past three years therefore I set up where my bank would automatically send the payment to Nissan out of my account in which the payments were drawn out of my account and sent to XXXX XXXX. On XX/XX/XXXX ( I had until XX/XX/XXXX per XXXX XXXX ) I elected to want to return the lease vehicle to lease a newer vehicle with Nissan. I had set up two appointments with the company that they contract with to have the vehicle inspected in which twice the inspector did not show at the scheduled time in which I Had to take time off from my employment in order to accommodate them. On XX/XX/XXXX my father received a call from XXXX and saying that he is a private investigator looking for the central because there has been no payment on the vehicle and I needed to leave it somewhere with the keys in it because it was being repossessed or there was going to be legal action taken against him I immediately called the number that was given to my father and I did is the man said that he was to come and get the car and that I was not to make any payments to XXXX XXXX I merely called XXXX XXXX they informed me that there was no payment received for the past four months on the vehicle which was untrue per bank statements that are attached and now they have put a collection on to both of my credit and my fathers credit they are demanding {$9000.00} in order to settle the account I do not have possession of the car and this was an agreement and payments were made with XXXX XXXX they have now ruined both my elderly father is impeccable credit score and have jeopardized my ability to apply for summer college courses. I have faxed over copies of my bank statements to several different people I am put on hold I am hung up and they have promised me that it would be handled by the end of each business day and this is affected both my credit and cause me extreme anxiety and emotional distress
Consumer complaint received 2018-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I just received another equifax credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my express account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe XXXX.
Consumer complaint received 2018-05-23
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GREAT LAKES (CA)

hello, I received a letter promising " student loan consolidation & payment reduction program '' in the mail which I stupidly fell for. The top left of the letter says " FINAL NOTICE, contact XXXX, Assigned dept. Preferred Doc Solutions, NOTICE DAY : XX/XX/2018 '' The letter also informed me to login to my XXXX  ID account, which did not work so I called the number on the letter ( XXXXXXXX ) I talked with a man who convinced me that I would need to change my XXXX password, which I game him my new password. I gave him all of my information because he told me he worked for the Department of Education and I foolishly believed him. He received my social security number, drivers license, address, parents address, and all of my XXXX information. After hearing his promising proposal of completely bringing my student loan debt down to XXXX dollars, I stupidly electronically signed a bunch of stuff that he sent in an email and then gave him my debit card information so that I could pay the " fees '' relation to the loans being completely forgiven. 

He then put me through to a different woman who confirmed all of my information and told me she was sending me a " welcome packet '' with information that I would have to return back to them " immediately ''. 

I shouldn't have fallen for this scam, but the .gov website and being told that this man was a department of education employee really had me convinced.
Consumer complaint received 2019-04-02
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. (CT)

On XX/XX/XXXX I filed a complaint with Equifax about inquiries that were on my credit profile. Instead of the company clearing up this matter, they decided to ignore my request to validate the inquiries. They insisted that I had to follow up with the companies because the companies were the ones who placed the inquiries on my account. I told them that I was filing a dispute about their reporting and that it was their responsibility to make sure that the inquiries that they were reporting should be validated on their end. They chose to ignore my request for validation. I followed up with a second letter on XX/XX/XXXX asking them again to validate the inquiries but they chose to not validate the accounts and Instead place a fraud alert on my credit profile instead of doing their jobs and completing the investigation. I am concerned with the validity of these inquires on my credit profile and it represents a serious error in their reporting on my credit profile. Both letters were sent via certified mail and the signature receipts are attached to this as well.
Consumer complaint received 2015-04-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (FL)

THIS IS NOT A DUPLICATE COMPLAINT. IT DOES HOWEVER INVOLVE THE SAME COMPANY AS BEFORE. THIS IS ANOTHER ISSUE ALL TOGETHER. 
We purchased a vehicle from Drive Time on XXXX/XXXX/XXXX and the vehicle was financed for XXXX for XXXX payments and XXXX for XXXX payment due on XXXX/XXXX/XXXX off on XXXX/XXXX/XXXX. The loan and finances charges included GAP and GPS. I requested a refund of the GAP coverage and I was told we will not be receiving the refund. I do n't understand, since we paid off the loan early.
Consumer complaint received 2018-05-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I informed them I had become XXXX. I have asked for, and sent all documentation that Social Security has provided me. I qualify for student loan debt forgiveness due to just my XXXX, not counting current new conditions. They say they work for the Government, yet they can not look up my name nor Social Security Number and speak to THEIR colleagues about how to do THEIR JOB! It states it in black and white on the walls.They keep stating that Social Security and DCF are not providing them with the information they need to make the determination. Everything we send they state it isn't good enough.If they work for The US Department of Education, then why don't they deal with each other and leave me alone?
Consumer complaint received 2018-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Since XX/XX/XXXX, I have had my auto-debit for my loan account to include the full scheduled payment and an additional {$500.00} solely dedicated to a higher-interest GradPlus loan. Since this time, I have recertified for IBR. The first auto-debit after the new base payments began, XXXX still deducted the additional {$500.00}, but attributed it amongst all of my loans rather than the assigned loan. This WAS corrected by them after a lengthy phone call to correct the matter, but there is no guarantee that I wasnt charged undue interest or that the other loan balances were adequately readjusted either. XXXX attributed the issue to a system upgrade error that they knew of when IBR accounts recertified. 

I have not had issues since the corrected issue in approximately XXXX until my XX/XX/XXXX payment, where the base payment and additional {$500.00} were auto-debited and the additional {$500.00} again distributed to every loan except the one it is scheduled for. There has been no change in loan status, no change in payment amounts, etc. It is inexcusable that I must continually monitor their activity to ensure this THEFT stops occurring, and it is THEFT. It is financial THEFT in the extra interest charged on a higher loan not being attributed its payment appropriately and it is THEFT of my time, which must be spent to correct.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I have been paying on time, faithfully on my Navient Student Loans for several years. I noticed that recently my balance doesn't seem to be decreasing as it should be. After researching my loans, it appears that 5 ( of 12 ) of my loans have been charged an interest rate over 9 % starting with my XX/XX/2017 payment. These loans are listed at 6.55 %. 

One additional loan doesn't even make sense when looking at the history. At one point they charged a payment of {$200.00} in a single month for interest on a {$4000.00} loan. 

3 loans have been paid off for at least a year, meaning 6 of my 9 active loans contain likely errors.
Consumer complaint received 2018-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

On XX/XX/2018 I initiated a wire withdrawal of {$25000.00} from my account at Coinbase to my US-based private investment account. There is no evidence whatsoever that Coinbase made any attempt whatsoever to initiate the wire, despite the best efforts by me and my very capable financial advisor to look for it, but Coinbase nevertheless debited my account {$25000.00} and have failed to respond to customer service requests with anything other than automated responses that are not even pertinent to my issue. On one occasion they had the gaul to close my customer support ticket for no apparent reason. After I reopened my support ticket that they had closed, they asked me to provide information that I had already provided. I nevertheless provided ( again ) all of the information that they requested. That was 8 days ago, and there has so far been no further response from them.

Many others have been reporting similar problems with Coinbase on social media for months. This fact, coupled with the recent publication of a Coinbase bug that made it possible for unscrupulous users to credit their Coinbase accounts with unlimited ether, should prompt the CFPB to question the solvency of Coinbase.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (NJ)

Hi I opened a BUSINESS VALUE XXXX account on XX/XX/2018. The account was opened with promo code XXXX which is for {$300.00}. I am having difficulty with online customer service in confirming that the account is coded correctly and as to when the bonus will post.
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc. (UT)

NAR INC, has been informed there is a pending police investigation for my second police report filed with XXXX  here in XXXX XXXX XXXX Utah. However, knowing this knowledge they have received an affidavit with this information including a police report detailing my house had been broken into which my personal information and cards were compromised, I informed NAR, INC. again several times over the phone the XXXX police detective told me to file the police report after all credit cards and bank accounts involved had finished their fraud investigation to file one full police report and then submit it to the XXXX police department. NAR, INC regardless of knowing this information are now attempting to serve papers anyways for litigation for a debt that was a result of identity theft and fraud. These legal action are prohibited under the FCRA and FDCPA considering the account they are seeking attempt to collect on was involved in identity theft, scam, and fraud. The bank which they claim the debt from XXXX failed to do a proper legal Fraud investigation, they assumed I gave out my information and took no step to do a fraud investigation. I informed the police department that the bank XXXX didn't do a fraud investigation and they informed me to continue the procedures of waiting out for all credit cards and bank accounts to complete their fraud investigation still. NAR, INC is willingly in violation of my FRAUD VICTIM Bill of RIGHTS and pursing the debt anyways. I am seeking the CFPB to get involved in this matter again. I am currently waiting on the completion of three fraud from XXXX, XXXX, and XXXX investigation to be completed to file the full police report for the XXXX police department.
Consumer complaint received 2018-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NH)

I have three credit cards with USAA. I have closed the accounts and destroyed the cards. They are charging me an exorbitant APR> I contacted them today to get the account numbers so I can transfer the balances to another company with a much lower APR. USAA refuses to provide me with the complete account numbers so that I may transfer these balances.
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

Was out of work throughout my time at school and was given a forbearance instead of no employment repay which kept the interest going. I asked about it they said I didn't qualify for it, when I took off time from school due to illness. And the school was not forth coming on the amount of my base loans. I asked for copies of my loans that I took out to verify my actual amounts because my loans interest was getting very high even while in school. 
I never received a copy or explanation as to why I can not receive the copy. I strongly dispute the actual amount of the loans taken and the interest accrued.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I bought my home from XXXX  XXXX XXXX in XXXX @ XXXX and when the market collapse I was given no Modification or reduction in payment and my Mortgage was sold to another Lender and Sold to Shellpoint Mortgage Servicing Loan # XXXXI lost 15 % of my salary due to cuts and lay offs and plant Closures etc ; I asked if the Forbearance could be? put two payments at end of loan and they said NO! i could skip payments for 90 days but ALL payments will be due after that period XXXX. so I noticed that after over a decade of house payments my loan is ONLY XXXX  { $ XXXX } below the original purchase and tells me I have been defrauded all the way from XXXX  to now. I was notified that Shell Point has now Sold it but will continue to make collections for now. I am asking for an Independent Fraud investigation and ALL details to why I only have XXXX  paid towards my Mortgage after 15 years of $ XXXX minimum Mortgage Payments.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (TX)

On Thursday XX/XX/XXXX I received a text from my former husband that somebody had left two messages on his voicemail for me. The message stated he was from process service dispatch and was trying to deliver XXXX XXXX court ordered summons to my address. He also gave case number and phone number to contact. 
Later that same day I received a voicemail from a private phone number that stated he had made contact with the receptionist at Human Resource Dept at my place of employment. I called HR department and spoke to receptionist to see if any documents were left there for me. Receptionist told me he did not show up there in person that he had called and wanted to know the procedure for getting me to sign for documents and asked if I would be able to personally sign for them. She told him I did not work in that building and would not be available to sign. He left his contact information for me to call him. 
I then called XXXX XXXX to see if I had a court date and time. Court clerk told me I did not. 
On Friday XX/XX/XXXX I received a voicemail from a private number with same message. 
Also on Friday XX/XX/XXXX he called another department at my place of employment asking for me and left his contact information. At this point the Director at my place of employment is thinking I have a criminal record and she called XXXX XXXX XXXX XXXX to inquire the nature if the phone calls. XXXX XXXX. tells her they are not trying to contact me. A Deputy then calls the contact information that had been left. He tells the Deputy that this is a debt collection firm and that it would be better if I called myself. 
On Monday XX/XX/XXXX I called the contact information and told man who answered phone that I was returning their phone call. He said he was transferring me to credit department and that more than likely they would be at lunch and to leave message and somebody would get back to me. Later that day a man left message on my voicemail with a different phone number to contact. 
On Tuesday XX/XX/XXXX I called the new contact phone number and spoke to man. He told me he was trying to collect a debt on an account that has been closed since XXXX. I repeatedly asked for written documentation of the debt and he wanted to fax or e-mail it to me. I told him this is the first time I had been made aware of the debt and was not comfortable giving e-mail info and want written documentation. He told me sending document by mail would take too long and that is how some people buy time and he is writing on my case that I am hiding from debt ; refusing to pay and that they would be garnishing my paycheck and my bank account and would see me in court and HUNG UP ON ME.