davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

XX/XX/XXXXXXXXXX/XX/XXXXXX/XX/XXXX notified me, that myXX/XX/XXXX Toyota XXXX had a FUEL PUMP SAFETY HAZARD. I contacted Toyota dealership and cooperate officers only to receive aggressive resistance with zero accountability. The XXXX clerks were not phased how I was terrified for my life, because the vehicle jerked and stalled in traffic constantly. Toyota, sold me a defected new vehicle, and outright insisted I trade the vehicle and overlook them selling me a new vehicle with a fuel pump that endangered my life. I filed a complaint with myXX/XX/XXXXXXXX case # XXXX and XX/XX/XXXXr for Dispute Settlement case # XXXX, due to Toyotas unscrupulous manufacturing practices, and relentless aggression in endangering my life. For example, for months to provide a safe fuel pump. The retaliation was abusive when attempting to make my usual on time monthly payments to Toyota financial. The online service was problematic, so when I attempted to make payments the representatives would display all sorts of shenanigans. For instance, be combative, hung up the phone, transfer me into a queue for extended periods. The supervisors call back was manipulated constantly. For example, I was told I would receive a supervisor call back in XXXX hours and I would not receive the supervisors call back, and when I called back the representative would inform me I had to wait another XXXX hours. So, this is the gross aggression Im receiving attempting to make my monthly on time payment with a supervisor. As a result of the retaliation, harassment, and excessive shenanigans from Toyota Financial Service representatives and supervisors I have XXXX unjust late payments on my XXXX, XXXX, and XXXX credit reports. 

Please note, prior to the XX/XX/XXXX Toyota XXXX finance I had a EXCELLENT rating with Toyota Financial, and after the sold me a vehicle that endangered my life and lives of other citizens, they have manipulated XXXX XXXX DAY late payments to all three credit bureau.
Consumer complaint received 2024-09-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (FL)

At the time of a new home purchase, I was new to this process and a mortgage broker encouraged me to get 80-10-10 financing of the property whereby 80 % was financed via a fixed-rate 30-year mortgage, 10 cash down, and 10 HELOC. I am writing you about the HELOC, which was serviced by Specialized Loan Servicing ( SLS ). Recently the HELOC was sent to XXXX XXXX. The principal borrowed for this HELOC was {$23000.00} and the term was 20 years. Upon the debt 's transfer to XXXX, I learned from XXXX that the debt is still around {$30000.00}, meaning over the course of 20 years *not a single XXXX toward paying down the loan was applied*. I had been paying SLS {$190.00} for 20 years and the only time I was ever contacted by them was to notify me that there were times when the payments were late. The required monthly payments were made, but there were times when the date it was posted due to ACH were not aligned with the due date, In these cases and when notified by phone or when logging into the account, I had corrected these with massive payments of accumulated late fees and penalties of {$1200.00} or more dollars. I think I even paid them more than {$2000.00} a second time. How is it legal, possible, and not usury for SLS to have been servicing this loan and me paying monthly for 20 years and not a single XXXX going to principal? I am actually embarrassed that this happened to me. It was my first and only time buying a home, but I never considered that the loan servicers used my monthly payments toward anything but paying down this loan. I want restitution from SLS. XXXX is asking me to borrow {$30000.00} at the worst time to do so, with high interest rates for borrowers. SLS has no right to be in business and I would like restitution in the form of the entire principal balance plus interest because I believe their practices fall under usury, are predatory, and fraudulent.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (MO)

XXXX XXXX ran a hard report on my name which should have not been done because I got multiple accounts with them and they made my credit score dropped XXXX which shouldn't matter It was supposed to be at like XXXX  but they falsely did a hard run on my credit score and my credit score supposed to be locked or frozen that I did here on this site not too long ago less than a month ago. So how were they able to do the whenever I've put a freeze on my credit report here on this site. Make it make sense please.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (TX)

XX/XX/2023 there was an account opened for XXXX $ in my name I am recently XXXX XXXX XXXX and am a victim of identity theft there are multiple accounts in my name that do not belong to me when i called world finance they said the person was XXXX i filed a police report and identity theft report
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (AL)

XX/XX/year> sent debt verification letter asking for contract and any information associated with this account... .I was sent a letter saying they didn't have to send said information because I didn't ask within 60 days ( attached )... 
And no information was added to my credit report saying that account was disputed by consumer. 

Debt is charged off with a balance still showing
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

As per the guidance from the consumer financial protection bureau ( CFPB ) the documents needed and a letter from an advocacy under the provisions of the fair credit reporting act ( FCRA ) 15 usc 1681 and the fair act debt collection practices act ( FDCPA ) 15 usc 1692 I am writing this letter to XXXX  account number XXXX balance in the amount of XXXX open XX/XX/year> I never had this debt collector for any debt, please provide proof from the original creditor that this debt collector that debt collector owns this debt and has the legal authority to collect it or delete this account has soon has possible
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (GA)

I applied to do a remote job via XXXX XXXX. The job position is a XXXX XXXX. The job took out a loan in my name through AFFIRM. I told them I didn't want the loan and I asked Affirm to cancel it. They said to reach out to the merchant scaling with sales for a refund. The merchant refused to refund me and Affirm refuse to dispute it. 

On Monday XX/XX/XXXX, XXXX from scaling with sales reached out to me about the job. We then joined a XXXX  meeting with XXXX, XXXX and 1 other. During the call, the employees of scaling with sales told me I can work for them by XXXX XXXX  and they explain what I would be doing. They said my training would be covered with my commisions. When I successfully book an appointment then they will take a percentage out for training. 

What I understood was I will make the money first, and they will take a percentage out of my income and put it towards the training. During the XXXX  call I made it very clear I didn't want to spend any money upfront During this process. They assured Me it would be just a soft credit check and nothing more. 

On XX/XX/XXXX I get a email from Affirm saying that they have processed my order. I look into it and realized there was a XXXX loan taken out in my name. I called Affirm and spoke with someone. I asked if there was a loan on my account. They said yes. I told them I don't need a loan, I was working with people and they wanted to do a soft credit check. So I asked Affirm to cancel it. They said no because the money has been used. I said by who? They said a purchase was made to scaling with sales. I said I didn't buy anything from them. AFFIRM told me to reach out to merchant and request a refund. After reaching out to scaling with sales. They refused a refund. I called Affirm and told them that they refused and Affirm still won't cancel the loan until it's paid back Friday XX/XX/XXXX i I told scaling with sales employee I no longer want to be affiliated with them. And they need to refund Affirm. They refuse to do it saying their refund policy is I must take calls for them/ work for them
Consumer complaint received 2017-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (DC)

I submitted a request for an income-based repayment plan on XX/XX/2016. On XX/XX/2016, I received a letter from FedLoan Servicing stating, " We reviewed your Income-Driven Repayment ( IDR ) plan form and denied your request for the following reasons. 
NOT ELIGIBLE YET : You provided conflicting information in Section XXXX on the form you submitted. The easiest way to reapply is online at StudentLoans.gov. If you prefer, complete and return the enclosed form with all required documents. '' I reviewed my application several times and could not find the " conflicting information '' referenced in the letter. Thus, I called FedLoan Servicing on XX/XX/XXXX to gain additional information about the reason ( s ) for my rejection. I was told that the customer service representative could not view my application since it was submitted electronically. In order for me to find out the reason for my denial, she would have to submit a request for an investigation, which would take 7-10 business days. After 10 business days passed, I called again to inquire about the reason ( s ) for my denial. Again, I was told that the customer service representative did not have that information. Another " expedited '' request for review submitted. More than 10 business days have passed since the second request, and I have yet to hear the reason for my denial.
Consumer complaint received 2022-05-20
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. (GA)

The Credit bureaus stated Account Name and Account #, was properly investigated but how is that possible if the open dates are inaccurate, and date last reported is not accurate. This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 2 ( a ) : The law Clearly states the credit bureaus have 5 days to notify me from when they recieve my disputed.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the consumer file.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FC HoldCo LLC (AL)

In XXXX I purchased a vehicle with a loan through Flagship Credit Acceptance. I made my payments on time each month until XXXX of XXXX, even though the car started experiencing major mechanical issues in XXXX of XXXX. After the car finally broke down, I contacted Flagship to let them know that I would no longer be able to make payments the account, and requested a voluntary repossession of the vehicle, as I had to have the vehicle towed to an auto repair shop and needed to purchase a different vehicle to get back and forth to work. I made several attempts to mail the paperwork requesting the voluntary repossession to Flagship, but never received a response, and when I would call to ask they continually said they did not receive my paperwork. On XX/XX/XXXX both Flagship Credit and I were notified by the New York DMV that the lien in question was claimed by XXXX XXXX and XXXX under Section 184 of the Lien Law of the State of New York due to the tow never being paid for. I was told by the tow truck driver not to worry about paying for the tow as it would be charged to Flagship when they repossessed the vehicle, which never happened. I have received no attempts to contact me since this date. I recently contacted Flagship Credit Acceptance requesting paperwork saying that the issues was resolved since the statute of limitations for auto loan debt in the State of New York has passed, but XXXX informed that no such paperwork would be given unless I created a payment plan to pay back 50 % of the remaining balance of the loan with a lump sum payment, or 65 % of the loan through a 48 month payment plan.
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (IL)

They are predators taking advantage of peoples need of quick money to pay and no one would approve me but they did for XXXX and I needed it and so I was like ok great I do all the steps and I see at the very end its says my interest rate is XXXX % and I have to repay XXXX dollars back for only taking out {$850.00}. Which is XXXX absurd!!!!!! 

Thank you.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I made a payment of approximately {$12000.00} to XXXX XXXX XXXX XXXX XXXX XXXX for a bathroom renovation project, which included replacing tiles and removing and installing a new vanity. In addition to this payment, I had also purchased {$4000.00} worth of tiles separately for the project. The contractor requested the full payment upfront, which I provided. However, they failed to deliver the agreed-upon services and caused substantial damage to the bathroom wall during the process. This damage required me to hire another company to remediate it, incurring additional costs. 

Despite multiple attempts to contact XXXX XXXX XXXX XXXX XXXX XXXX via phone and email to request a refund, they never responded. I provided all necessary evidence, including letters and proof of my attempts to resolve the issue directly with the XXXX, when disputing the charge with Citi Bank. Unfortunately, on XX/XX/XXXX, Citi Bank responded that they are denying my dispute, leaving me with both the financial loss of around {$12000.00} and the additional expenses of repairing the damage caused, plus the {$4000.00} I spent on tiles.
Consumer complaint received 2016-02-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (CA)

I purchased a used vehicle from a dealer now out of business. 18 months after purchase car has complete mechanical failure. I called loan company to surrender vehicle and negotiate settlement on acct after they auction it off. Loan company refused to take possession and abandoned with mechanic. Mechanic is now forced to deal with issue. Fear loan co will put this on me even though I surrendered vehicle to them 3 times in 3 days. I do not deny I will owe monies, but expect loan co to try to recoup what they can from car to reduce amount owed. Fear they will not do this because of the effort involved. Mechanic expressed frustration with loan companies lack of professionalism and ethical mannerism.
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I am a XXXX  year-old target of financial elder abuse, specifically, what is commonly described as a remote access scam. In addition, this scam falls squarely within the spirit of the CFPBs XX/XX/2021 Regulation E FAQs defining unauthorized transactions. I contacted Square online because I needed help downloading my transaction history. A website that appeared to be legitimately Squares web site, but which I later learned was fraudulent, instructed me to call XXXX for Square Customer Support. 

The scammer represented himself as a Square customer service representative and fraudulently induced me to transfer {$7000.00} from my bank checking account and make multiple transfers to and from my cash app account and purchase bitcoin. Under the guise of helping me reduce my transaction limits, the scammer directed me to transfer money from my bank account to my cash app account and make a series of transactions to and from my cash app account. He assured me that these transactions were test transactions. In addition, as part of these test transactions he instructed me to purchase bitcoin. 

In addition, the scammer repeatedly instructed me to download XXXX and XXXX many times. Ultimately the XXXX  was withdrawn from my account without my authorization or knowledge. This series of transactions resulted in a net theft of {$6000.00} from me. 

I submitted a customer support claim to Square which they denied. 
[ ref : XXXX : ref ] Like XXXX XXXX, Square is turning a XXXX eye to elder abuse and fraud on their platform. 

Square clearly knows where money is being transferred to and from their customer accounts and how long accounts have been in existence on their platform. I have since learned through XXXX search that my experience is not unique and that Square is well aware of this scam. 

I would like Square to reimburse me for my loss.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (TX)

Scaling with Sales contacted me with a " job '' opportunity to " XXXX XXXX '' I received a call one day, which I assume was an add I clicked on that caught my attention on XXXX. They asked if I was interested in making {$5000.00} per month as an XXXX XXXXr and to give a call if I was interested. Which I did, and the guy I spoke to was XXXX, he set me up with a XXXX  call the following day. I went to the XXXX  meeting and was met with a young adult male. His name was XXXX XXXX and he went into talking about how he was able to be very successful working for them and was able to move out and get an apartment on his own. That it created financial freedom for him, and he is able to have much more time with his family. He asked if this was something I was interested in and of course I was. I asked about the company and they gave me little to no details on what they actually did. He just said you help other people who are like me looking for financial freedom and a way to make more income. They said they would provide resources, guidance, and training for me to learn how to XXXX XXXX I just needed to make 10 qualifying XXXX  within the first month. They said I needed to qualify first and they checked if I qualified for it on Affirm. After I got approved, they said that I would need to take a {$3000.00} loan, but I will get it back once I make the XXXX qualifying calls. I tried to ask more questions and even denied them but they were persistent. They said they would help me learn, and there will be a one-on-one quide/metor. Weekly meeting calls and a video/master class with access to how to get started. The opportunity sounded very good, and I needed another source of income, so I agreed to " work '' for them. I was on XXXX  with them and they had me allow access to my end. They applied to see if I would qualify for the affirm loan, and once I was approved,. They applied for the {$3000.00} loan. They also took a credit of {$3000.00} on XXXX. They said I also needed to sign a contract with the company. I was able to get the {$3000.00} from XXXX back but not affirm as of right now. Once the interview ended, they had me download an app called XXXX, and this is where I was able to contact them. I had my first onboarding meeting, where they explained more of what I had to do, which was convince other people to join the company. This wasn't at all what I thought the job was, and it wasn't until later that I found out it was a " pay to work '' scheme and is very hard to XXXX XXXX I have contacted Affirm many times regarding this issue but have not had any success. I have tried to reach out to Scaling with Sales to work with me, but they refuse unless I make the qualifying XXXX, which I do not want to do. I don't want to scam other people into this business scheme. I have contacted Affirm many times about this incident, and nothing is being done. I have reported it many times.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (IL)

I was in a life threatening car accident and found out I had XXXX XXXX XXXXXXXX. I was told it grew over XXXX and during that time I was XXXX  XXXX. During that time my credit card was maliciously used and paid fraudulently. Because of this I have now a negative rating and unable to get help from the credit card company. XXXX XXXX will give a letter on how I was under a life or death situation. Upon risking life threatening XXXX XXXX and XXXX I am now trying to get my life together.