davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (MA)

TD BANK, XXXX ( TD AUTO FINANCE ). TD BANK WAS PAID OFF ON XXXX/XXXX/2016 BY XXXX XXXX XXXX XXXXXXXX. FOR THE AMOUNT OF {$19000.00}. THIS WAS TO COVER THE PAYOFF OF MY AUTO LOAN ( PAYOFF {$19000.00} ). THEY DID NOT CASH THE CHECK TILL XXXX/XXXX/2016. I HAVE CALLED THREE TIMES & THEY TOLD ME THEY WOULD MAIL OUT MY CHECK FOR {$230.00} ON XXXX/XXXX/2016. I CALLED AGAIN ON XXXX/XXXX/2016 & WAS TOLD I SHOULD GET MY CHECK BY THE 2ND WEEK XX/XX/XXXX. 
I BELIEVE THEY ARE HOLDING MY PAYOFF TOO LONG, DO I HAVE ANY RECOURSE??
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: United Recovery Solutions (OH)

Received phone call, the caller first would not explain why they were calling and asked for personal information and family information. Caller became very aggressive and made threats of legal action. Caller made personal remarks about my family. Caller was degrading. Call was very one sided and accusatory. Calls have been made even since company was informed the debt was settled. Caller made comments as to my parenting and teaching my children to steal. Hung up when I requested to speak with a supervisor, refused to transfer me, or give supervisors name. This company is very unprofessional, the tactics that they use are threatening, abusive, rude, in violation of the fair debt collection act.
Consumer complaint received 2016-01-09
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Wakpamni Lake Community Corporation (CA)

I have XXXX XXXX California. I had paid my {$500.00} payday loan in the payments they said. But of course they said all that I paid was to fees and not my loan. So I tried to stop they payments from my account. I could n't pay my rent my car or anything due XXXX XXXX cash. I tried calling them to have them give me more time. They did n't call back instead they took another payment for interest on money I had less than 14 days it was supposed to help. Instead it landed me in more debt stress and the crisis center from an XXXX. Since they took what I needed for my rent. Now they are threatening my job and harassing me. They should f be allowed to do this to people at all. I 've used pay day loans before and I pay maybe {$45.00} extra. These guys want XXXX $!!!! If I had that I would n't have needed the help. And I asked the girl that set me up. And she said no that I was even getting a discount. Horrible!!
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (GA)

I am unable to make an Apple purchase with an Apple Card. Goldman Sachs indicated that my account was fully unlocked and able to be used. The purchase still did not process. GS representative then stated I have to wait 24 hours. I asked why, and they said for the security of the account. I asked what the security problem was, and they responded It is an internal procedure. 

GS disabled the account without any fraud, and have cut off access with no provided reason.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-27
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. (TX)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Cash advance — 
Company: TD BANK US HOLDING COMPANY (GA)

I notified the credit card company that my daughter would be abroad in XXXX and would need the card for both purchases and for cash. I was told there was a {$500.00} cash limit per month and what the fees associated with the transactions would be. My daughter withdrew approximately {$200.00} in cash as well as made several purchases. Then, with no notification, the cash withdrawal amount was changed to {$0.00}. I did a complete search of the policies regarding travel abroad and cash limits on the website and read everything there was, and there is no stated policy available on the website. I have spent literally the last 2 hours on the phone with them and have been told 1 ) that " perhaps '' the cash withdrawal amount would go back to {$500.00} the next billing cycle 2 ) that maybe it was because I had a late payment XX/XX/2016 ( then why was the cash amount of {$720.00} still available XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016? ) XXXX ) that maybe it was because the account had been inactive for many months ( but why did n't they inform me of this when I spoke to them at length about the use of the card abroad before my daughter left for her trip? ) 4 ) the card was meant for purchases, not for cash withdrawal ( why did n't they tell me this to begin with? ) I was told the credit department would do periodic evaluations of all accounts and decide on cash limits, but they would not look at my account specifically. Had I known all of this, I would have chosen another card to send with my daughter.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Consultants of California (CA)

I contacted you back in XXXX XXXX, 2017 I submitted a complaint online with CFPB ( Case # XXXX ) and never received a response. I have now contacted the CFPB and Insurance Obubsman in hopes of help. My medical insurance was never billed. Today I am sending XXXX XXXX a copy of the medical bill from XXXX that they never received. Please have Collection Consultants take me off of collections with all XXXX credit bureaus.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I attempted to file a complaint with OCWEN regarding late charges. My account has over XXXX in late charges and the rep who answered the phone showed no urgency nor did he seem to care it was a complaint. I 'm disputing the late fees, it is excessive and unfair. OCWEN and GMAC has waived fees for other customers and I should be treated the same and fairly. I am asking that OCWEN reduce the amount of late charges!
Consumer complaint received 2016-08-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

Heartland ESCI took over a student loan that I have from the XXXX. The company requires a processing fee with every payment, regardless of whether you use your bank account or a credit card. The only way to avoid this fee is to mail a check ( but of course, then you still have to pay for a stamp ). I do not know whether this violates any particular consumer protection statute, but it really just seems unconscionable to me that even if I 'm using direct debit, which every other loan servicer I deal with takes without a fee, I 'm still charged for the privilege of repaying a loan.
Consumer complaint received 2017-01-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

Our mortgage company, Ocwen Loan Servicing, has reported our payment for XXXX 2016 late to all credit bureaus because it was made in on XXXX XXXX, 2016. There where only 29 days in XXXX.
Consumer complaint received 2016-12-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ideal Collection Services, Inc. (FL)

IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you IDEAL COLLECTION SER or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : IDEAL COLLECTION SER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (IL)

Recently, from my credit report, I noticed that a company call " SouthWest Credit System '' reported a collection account to the XXXX credit agencies. I do n't think that I had ever received any written notice from this company about the collection account, neither any notice of right to dispute this account.
Consumer complaint received 2016-09-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (KS)

For all practical purposes, tdautofinance makes it impossible to make payments directly to principal ( extra payments for that purpose ). On my first attempt, i mailed the payment with the notation on the check AND a detailed instruction on my desire to apply it to the principal. this never happpened. after several calls ( LONG call waits -- more than an hour before i got through ) they said 'no one reads notes with the payments -- just call us next time ). eventually this did get applied to principal ( with MUCH work ). I recently attempted to make another extra principal payment. I called them ahead of time to tell them I was going to do it and submitted in online while on the phone. They said they would take care of it, but for good measure, i used their website to message them about the phone call i just made, restating my desires to make a PRINCIPAL payment ). A week later, it 's evident that this money was not applied to principal, but to more than a year of payments. this is messed up. I believe this is a deliberate effort on the part of this company.
Consumer complaint received 2016-04-14
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (CA)

All of a sudden I started to receive texts about an account that I did not open. It is in INCREDIBLY hard to speak to a representative without providing your card number or SSN. 

When I finally did get to speak with someone they simply said to reply " stop '' to the text messages but did not spend time to look for the account to ensure that it was not open fraudulently. 

Shortly after, I began to get transaction information of the purchases being made. These transactions are happening in XXXX, CA. I do not live in XXXX, however, my phone number area code is from that area.
Consumer complaint received 2016-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (CA)

I paid this contested parking ticket months ago and it was still sent to collections. After the first collection attempt I followed the instructions to prove the debt was paid and they are still attempting to collect it from me. When I call their phone number provided and attempt to speak to a human it hangs up on me every time. I want this stopped before it wrongly affects my credit. I have complete proof that the debit was paid and that the amount demanded is not correct.
Consumer complaint received 2015-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (CO)

I was not aware the debt had been sent to collections until it was reported on my credit report. When I contacted the collection agency they had a non-existent address. They had my correct phone number but never made any attempts to notify me of the debt prior to reporting from all credit reporting agencies.
Consumer complaint received 2016-04-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (FL)

the " loan '' was induced by fraud. As there was not full disclosure to the material fact ( s ), In order for any contract to be valid, there must be 'full disclosure ', 'good faith ', 'valuable consideration ', and 'clean hands '. Which amounts to ; 18 U.S. Code 656 - Theft, embezzlement, or misapplication by bank officer or employee. 

1 ). I was not told that the Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all Federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), PROHIBIT them from lending their own money from their own assets, or from other depositors? The bank did not tell me where the money for the loan was coming from. 

2 ). I was not told that the contract I signed ( promissory note ) was going to be converted into a 'negotiable instrument ' by the bank and become an asset on the bank 's accounting books. Further the bank DID NOT tell me that my signature on that note made it 'money, ' according to the Uniform Commercial Code ( UCC ), sections 1-201 ( 24 ) and 3-104. 

3 ). I was not told that my promissory note ( money ) would be taken, recorded as an asset of the bank, and be sold by the bank for cash - without 'valuable consideration ' given to obtain my note. The bank did not give me a deposit slip as a receipt for the money I gave them, just as the bank would normally provide when one makes a deposit to the bank. 

4 ). I was not informed that the bank would create an account at the bank that would contain this money that I created by endorsing the promissory note. 

5 ). I further was not informed of the material fact that a check from this account would be issued with my signature, ( 10 U.S. Code 923 - Art. 123. Forgery ), and that this account would be the SOURCE of the funds securing the check that was misrepresented to me as a " loan. '' 6 ). Money is created on deposit, where the amount of the initial deposit is hypothecated XXXX in what is called " money multiplier. '' 7 ). " Fraud destroys the validity of everything into which it enters, '' XXXX v. XXXX, XXXX.
Consumer complaint received 2016-09-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Several Months ago I filed for a home loan modification. The company SLS has our mortgage, they are somewhat new to us. I have taken the liberty multiple times of sending in every document they requested of us. I spoke to our representative XXXX, just before the XXXX XXXX holiday. XXXX assured me since I have submitted the same docs over and over they had everything they need to put our case under review. I have not worked since XX/XX/XXXX2016. I look in our mailbox today receiving a packet stating they could not review any of the modification options because we did not send in all of the documents they requested. What I found out is, if the documents are not sent in full each time they request a certain document ( s ), our documents are not saved in their system in a file assigned to us, and they are losing sensitive data with all of our personal information disclosed. I am out of options and tired of repeating my efforts for the fifth or sixth time I need someone to intervene!!! My name is XXXX XXXX our home address is XXXX XXXX XXXX XXXX, CA. XXXX. My mobile number is : XXXX I am caring for my dad who is a victim of elder abuse and going to work right now is not an option. Our household income is limited and I need help desperately. My husband is working XXXX jobs at time 7 days a week to sustain our home and we have a graduate XXXX. I am overwhelmed, heartbroken, and spent. The Company is Specialize Loan Servicing XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX XXXX # is XXXX XXXX XXXX Please help
Consumer complaint received 2016-06-02
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I have explained to these people that my bank account was stolen and whatever money was put into the stolen account was not me. I have tried to reach out to them to work things out and even pay something even though I should n't have to pay. They call me all times doing the day to the point that I can not work. I do n't owe them anything plus I tried to work the issue out with them with no success. I have asked them to stop calling me or any of my family and friends.
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (LA)

I filed a complaint with Wells Fargo about fraud occurring on my banking account, I then filed a police report about the situation with the police office of where I currently live. I called the bank and they told me I will not be getting my money back on this. These actions occurred on XXXX XXXX.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been a customer of Specialized Loan Servicing LLC ( SLS ) for the past ten years. My mortgage payment is due on the XXXX of each month. I typically pay it on the XXXX ; however, occasionally I must wait until the XXXX. The payment is not considered late until the XXXX, so this should not cause a problem. Unfortunately, each time I wait until the XXXX to pay, the company reports my payment as late. They have explained to me that their computer does not have the ability to recognize payments that come in on the day they are due. This is unbelievable and, if true, should be illegal.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MO)

On XX/XX/XXXX, I made a payment for {$52.00} on my loan. I got email confirmation from it and that it was processing and then that I was confirmed. When I checked back on the website it said I was past due and I owed money. So I paid it again on XX/XX/XXXX for {$150.00} to make sure I wasnt get late dues or affecting my credit score. 
I then received an email on XX/XX/XXXX saying the payment had posted on the website. It hadnt, I went back and checked it says that my payment was reversed. 

I do not want this to affect my credit score when I have proof I am paying my loan on time. 
I also tried to make payment on these days as well on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$150.00}, XX/XX/XXXX {$150.00} and XX/XX/XXXX for {$150.00}. I reached out then and never heard anything. I assumed since loans were paused at the time it didnt matter and maybe that is why they were being reversed. 

I never had a problem paying my loan before and I have always been on time until the loan payments were paused now I can not pay them and I would like to be finished with them and not affect my credit score.