davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Financial sent me included a miscellaneous charge in the amount of {$630.00}. XXXX. They stated that XXXX County ( XXXX XXXX, Texas ) assessed a property tax and that they paid it and passed the amount to me for payment. I requested a detailed accounting of the bill, however Toyota stated that they could not give me any records because of " privacy issues ''. I was instructed to contact the XXXX County Tax Assessors Office. I did so. They informed me that the county assesses a tax on the entire fleet of the leasing company 's yearly rendition and that the Tax Code requires the owner ( Toyota ) to complete the Lessee 's Affidavit of Primarily Non Income Producing Vehicle Use ( Form XXXX ). Toyota now claims that they did not receive a notarized TX affidavit " by the required deadline ''. They do not indicate when the deadline was, who was supposed to file it, and what type of notarized TX affidavit was required in order to be exempt. Further they stated, " Therefore we are required to report the vehicle as business use and no refund will be issued by the county. '' It is my understanding that this tax applies to commercial vehicles only and DOES NOT apply to personal use vehicles. Toyota Financial states that I need to refer to my original lease and that I am liable for payment, even though there appears to be some sort of clerical error on either XXXX County or Toyota. It hardly seems appropriate that I would have to pay a tax on my personal car because it has been erroneously listed for commercial use.
Consumer complaint received 2016-05-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (GA)

We have financed XXXX vehicles through American Honda Financial services AHFS ). We make monthly payment on XXXX vehicles by ACH from XXXX XXXX XXXX XXXX. In XXXX of 2016, AHFS sent through XXXX payment requests for each vehicle ( I understand this happened to many people ). They quickly sent through a correction and our bank statement indicates we made XXXX payment on each car in XXXX. In late XXXX I began receiving massages from AHFS that just asked me to call them back. I was able to finally do that on XXXX XXXX. I had no urgency as they did not tell me why they were calling and I had no reason to think there was a problem with my account. On XXXX XXXX, they informed me that I was delinquent on XXXX of my vehicles as they had not received the XXXX payment. I told them that my bank shows that I did make the payment. They asked that we send them our bank statement and proof of payment. This was faxed to them on XXXX XXXX or XXXX. I called them on the XXXX and was told they had the documents and the payment would be posted. On XXXX XXXX I received another call from AHFS saying the payment had not been posted and we are concerned they are going to send this to collection. I have asked for this issue to be escalated with AHFS and I can not find a senior person there to talk with to resolve this issue.
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC. (NJ)

Received a call from XXXX " Caine & Weiner '' Sunday XXXX XXXX, XXXX demanding money in relation to XXXX accident I was involved in back in XXXX XXXX. I was fully insured at time of accident. This is the first notice that I received re debt. I immediately contacted XXXX XXXX ( my carrier at time of XXXX accident ). XXXX has made multiple attempts to contact collection co with no success. I mailed a debt validation demand letter to Caine & Weiner, I have not received a response. The alleged collection has now been reported to the major credit reporting agency and tarnished my good credit. Never have I received any information regarding this debt nor has my insurance carrier. My credit is tarnished, collection activities persist and Caine & Weiner will not provide information to me or XXXX insurance for a proper investigation.
Consumer complaint received 2015-09-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CURO Intermediate Holdings (MO)

I have an installment loan through Speedy Cash, and they regularly apply payments to my installment loan account several days later than they are drafted out of my account which causes additional interest to accrue on my account. Payments are never withdrawn from my account on the draft date that I have selected and the payments are never applied to my installment loan account on the date the money is drafted out of my account bank account.
Consumer complaint received 2015-11-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collections Enterprise, Inc. (MD)

A medical debt was erroneously reported to American Collections Enterprise. They have been notified several times that the debt is not valid but they continue to report. The debt originator is XXXX, the originator has contacted them and I have also. They responded once that they had 30 days to remove the item from the report, that was in XXXX and the debt is still being reported. I attempted to contact them again to resolve this issue. 


XXXX
Consumer complaint received 2015-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

i am filing a complaint against ocwen mortgage servicing llc because of my escrow account calculation are incorrect and they will not correct the issue. I have made serveral attempt to resolve the matter. I have request a complete audit of my escrow account since ocwen has taken over my mortgage account. I have done a calculation of my escrow account. and compared to there analysis. I will attach a copy of my calculation and there original analysis. the original analysis was done on XXXX XXXX 2015 and when I question the analysis the sent a second one XXXX/XXXX/2015 which was even had more errors and double billing and collecting.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Franklin Collection Service, Inc. (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

I HAVE HAD HEALTH ISSUES SINCE XX/XX/XXXX. I GOT OUT OF XXXX. I WAS TAKEN TO XXXX XXXX XXXX IN XXXX, CO. I UNDER WENT XXXX. WAS DISMISSED, THEN WENT FOR ANOTHER CHECK-UP BECAUSE HAD BEEN XXXX. THE XXXX TOLD ME THAT I WAS NOT HEALING ON THE INSIDE. SO XX/XX/XXXX I HAD ANOTHER XXXX. MY HUSBAND GOT LAID OFF IN XX/XX/XXXX AND HAS NOT BEEN CALLED BACK. I FELL SO BEHIND ON MY MORTGAGE PAYMENTS THE REASON IS NO INCOME. SO I CALLED XXXX TO LET THEM KNOW WHAT WAS GOING ON THEY SEND ME A LOAN MODIFICATION PACKAGE. I GOT THAT DONE JUST SO THEY COULD TELL ME THEY DO NOT DO MODIFICATIONS. I ASKED IF IT WAS POSSIBLE TO SEND AT LEAST XXXX PAYMENTS THEY SAID NO THAT IT HAD TO BE PAYMENT IN FULL. SO THEY ASSIGNED A CASE MANAGER TO ME XXXX XXXX. THIS IS THE XXXX TIME I HAVE DONE A MODIFICATION AND BEEN TURNED. DOWN. I 'M PRETTY SURE THEY DO MODIFICATIONS. I LOOKED ON LINE AND THEY HAVE THE WORST REVIEWS THAT SCARES ME.I WANT TO KEEP MY HOUSE.THEY HAVE ALREADY PUT A FORECLOSURE ON MY CREDIT REPORTS. I PRAY THAT I GET THE HELP I NEED TO KEEP MY HOUSE. I HAVE REQUESTED A NPV, WATERFALL ANALYSIS AND REQUESTED A ESCALATION FOR MAIN SUPERVISOR HAVE NOT HAD ANY RESPONSE FROM THEM. I HAVE A TEAM OF LAWYERS HELPING ME IN MY SITUATION.ABOUT A WEEK AGO OCWEN CALLED ME TO TELL ME THEY HAVE A SALE DATE FOR XX/XX/XXXX.THEY PUT A FORECLOSURE ON MY CREDIT REPORTS BEFORE I KNEW ABOUT ANY SALE DATE. I THINK THEY SHOULD OF LET ME KNOW BEFORE REPORTING IT TO THE CREDIT BUREAUS. I HOPE I CAN GET SOME HELP. THANK YOU
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 states, I have the rights to privacy, 15 USC 1681 SECTION 604 A SECTION 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I would like to express my sincere disappoint in Ocwen handling my complaints thus far.. As of XXXX XXXX, XXXX, All of my other requests have been unanswered which is a violation $ XXXX of TILA ; XXXX C.F.R XXXX ( c ) ( XXXX ) ; XXXX ( f ) ( XXXX ) of XXXX I received a letter on XXXX XXXX, XXXX that the loan was not eligible for cancellation of the Escrow account because it 's currently showing a negative balance. You 'll did not even perform an Escrow analysis. Prior to your response, I 've included all invoices showing that the amount which was paid to the XXXX XXXX was not the amount that was escrowed yearly since servicing the loan. Please also note that upon further investigation, XXXX XXXX XXXX Chapter XXXX Bankruptcy proof of claims reflects that no XXXX taxes were paid to/from Ocwen Loan Servicing or XXXX XXXX from XXXX XXXX XXXX. It was the Debt was expunged through Bankruptcy. All money that I paid, should be refunded. 
In a Affidavit, XXXX XXXX XXXX states in the Bankruptcy proceeding that request immediate abandonment and destruction of certain loan files because they do not hold any interest in mortgage loans. " The loan files have no value to the Trust and not needed to proceeding in the Bankruptcy case. The motion which was Granted and in that order the Judge placed a value of XXXX cent on the dollar for each loan Ocwen Serviced. Ocwen Loan Servicing , LLC Claims was EXPUNGED through the Bankruptcy.
Consumer complaint received 2015-09-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Collections U.S.A., L.L.C. (FL)

credit reporting company " credit collections USA '' ruined my credit for a debt that i do not owe. i have written this collections company and they have failed to respond in the past 30 days and also the university. i have also threatened them with legal action but no answer at all from them. i want my credit entry erased or i will file suit.
Consumer complaint received 2016-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: UMPQUA HOLDINGS CORPORATION (OR)

I live in XXXX, Oregon where property values/home prices have been climbing for the past few years. I bought my home just a little over two years ago. I have made on time complete payments on my mortgage. I asked that my PMI be removed. First my bank claimed that my home was worth XXXX less than I could probably make if I sold it/and XXXX less than the county assessed it for tax purposes and I disputed that. Now they are claiming I need to have have XXXX % equity -- even with the low value they placed on my home, I currently have XXXX % equity.
Consumer complaint received 2015-07-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION (VA)

Sallie Mae is the loan servicers for a loan I co-signed for my daughter for college education costs. When loan papers were signed information regarding my bank accounts was not required. Now Sallie Mae is requiring that I give my routing and checking numbers JUST TO LOG ON to their site to review my account information even though I do n't pay online. This is not a reasonable requirement and needs to be changed immediately.
Consumer complaint received 2016-11-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation (TN)

The collection agency agreed to remove the collections back on XX/XX/2015. Now they have reinserted the same accounts a year later without notifying me within 5 days, according to FCRA standards. Instead of removing the accounts, I 'm continuously getting hassled to pay bills that I did not authorize. My Mother, made financial decisions with my account while I was on life support and I could not fend for myself. 

I disputed those charges a year ago and all 14 accounts were removed. Now they have appeared back and Revenue Recovery Corporation says that they were never removed. I 've submitted proof of the removal and they are ignoring the evidence.
Consumer complaint received 2016-08-18
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Meridian ARG Inc. (AZ)

On XX/XX/XXXX, I received a call from XXXX from Cambridge Asset Management. She asked me if I knew that there was a claim filed under my SSN. I asked XXXX what this was in reference to. She stated that in 2010, I got a payday loan from XXXX or one of its companies, and that I wrote a check from my checking account from XXXX. I explained to XXXX that I do have an account from XXXX, but it is not a checking account, I only have a savings account there. She told me that I did have a checking account from XXXX, and that I did write a false check. She said that, it is a felony, and that I will be charged with check fraud if I did n't pay them. I explained to XXXX that I would be filing a complaint against her company that she then said that my phone was breaking up and she hung up. Only XX/XX/XXXX, I received another call from Cambridge Asset Management, and I did not answer the phone.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vantage Sourcing, LLC (CA)

This saga with XXXX is XXXX commonplace issue XXXX XXXX, their XXXX lawsuit for [ lying ] cheating stealing from their own customer base, does n't magically go away!!!!. XXXX Irrefutable proof } of a problem here. Before I filed a complaint with the govt. and the california XXXX. I argued, complained, confronted there sloppy blunders, they twisted [ obscured ] with weak apologies and promises to correct?! # NEVER happened?! # I do n't need to call anyone XXXX times a month and XXXX about some stupid errors, that should of never happened. NOW, XXXX is circumventing your authority, sent this deceptive bill to 3rd party. ( vantage ) I called and XXXX faxed XXXX them XXXX today ] talked to someone named XXXX XXXX plus XXXX they say the conversation is recorded. I told them I am disputing there fraud and deceit, why they have XXXX tunnel vision ]?! # They told me XXXX has me down as a excellent customer since 2008!!!! Imagine that?! # I filed a grievance with their [ billing ] and sales dept. supervisor for the deceptive sales practice from their XXXX telesales ] _again_ they failed miserably to investigate. Part of this cryptic deceit starts with their salesman [ lying XXXX to me that there [ XXXX tablet ] is {$190.00} no contract!!!! THAT was the only reason I called them in [ first ] place. SIMPLE MINDED QUESTION/ HOW MUCH FOR A LAPTOP [ RETAIL ] __NO CONTRACT____?! # Does it get any plainer than that?! # They send me some junk XXXX tablet with a arbitrary contract XXXX years. Some convenient {$170.00} early termination fee. {$75.00} restocking fee. Outrageous incompetence. I never agreed to any of this or XXXX aware ] of any hidden clauses. I sent this junk back within XXXX days, they manipulated these blunders for XXXX months with there cryptic balance billing, [ before ] I finally got credit XXXX accountability ] for it. Disgraceful!!!! NOW sent this fraud and deceit to a collection agency [ pretending ] they do n't know there is an obvious problem here. I still have [ not ] received my refund and/or credit for there forwarding XXXX cryptic ] balance billing, that I and everyone pays in [ advance ] before you get your service turned on. HOW should this manipulated deception of the facts be treated?! # XXXXbreached_ their own arbitrary contract, with XXXX willful ] fraudulent and deceptive billing practices. Failed miserably in good faith and fair dealing business practices. Customer loyalty, and satisfaction. They are required to eat these billing blunders on good standing, taking responsibility for their outrageous billing blunders!!!!!!!!!!!! I have XXXX lines with them. I cancelled with rage distrust, complete dissatisfaction.
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

Hi my name is XXXX, I open a Account at Suntrust Bank XX/XX/2017 online I then deposited XXXX that day I also deposited money again XX/XX/XXXX XXXX and XXXX and I open the account online on the XX/XX/XXXX I went in yesterday try take money out they say they ca n't hold on my money no letter in mail no call nothing then so when I talk to management at bank he say cause I open account long ago before we was n't supposed to let me so ok where my XXXX
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Primary Capital Mortgage, LLC (LA)

I have a first mortgage with Primary Capital Mortgage and a second mortgage with XXXX. Primary Capital agreed to do a short sale on my house after I submitted my hardship paperwork to them. I have a sale and purchase agreement on my house and the amount of money the people are offering will pay off the first mortgage completely. Primary Capital told me that I should just seek out a short sale with my second mortgage company, XXXX, so I 've submitted my hardship package to them and they are in the process of looking that paperwork over. Now, Primary Capital has hired a law firm called XXXX, XXXX and XXXX, XXXX to conduct a non-judicial foreclosure scheduled for XXXX XXXX, 2016. I just received this paperwork last week. I 've put pressure on XXXX to please hurry with the short sale so I do n't have to go through the foreclosure with Primary Capital. XXXX has a timeline that they say they must follow. They do n't want to be pushed. I 've asked Primary Capital to please delay the foreclosure to XXXX XXXX, 2016 so that XXXX has more time to finish what they must do to allow the short sale to take place. Primary Capital says they wo n't delay the foreclosure. Primary Capital has asked me to call XXXX, XXXX and XXXX, XXXX to ask them if they 'll delay the foreclosure. I believe this is wrong since it was Primary Capital to hire the XXXX law firm in the first place. My realtor is XXXX XXXX of XXXX. XXXX XXXX 's short sale law firm is called XXXX XXXX XXXX XXXX. XXXX XXXX, from XXXX XXXX law group is the short sale specialisth who has been working with me. XXXX XXXX XXXX is my representative. I feel like Primary Capital is being unreasonable because they know they 'll get their money since the people who want to buy my house are offering more than the amount they require. I am desperate for help because I do not want to go through foreclosure at all. Primary Capital is n't doing what the government says the lenders should do to provide foreclosure alternatives to us homeowners. All I want is to delay foreclosure another month, to XXXX XXXX, 2016 in order to give XXXX Bank the time they need to process the short sale on my house.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (MN)

I paid my Chase-Southwest Airlines credit card on time as always, arranged online through my bank. I apparently typed the amount off by {$10.00}. This resulted in a $ XXXX+ finance charge for late payment. When I protested, they said this is a legitimate charge, as the late fee is on the full amount of the invoice, which was 0ver {$2000.00}. Is this allowed?
Consumer complaint received 2016-10-14
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC (TX)

They called my work about a month ago and they were advised by me telling them to stop calling my work that I can not receive them at work. They preceded to argue about it then stated that they would stop and obey my request and the law. 

Well today they did it again. My husband called them and let them know they broke the law. They preceded to try and talk down to him and then stated my entire credit history saying why do I not pay my bills. My husband advised them again that they broke the law and we can take them to small claims court. They went back and forth and XXXX XXXX ( caller ) continued to bring up my credit history.
Consumer complaint received 2023-05-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IN)

XX/XX/XXXX XXXX XXXX XXXX, of Deputy Project Manager, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) is a closing company for the State of Indiana and represents XXXX, XXXX. 
XXXX XXXX XXXX : directs me to sign Modification closing documents directed me to schedule a closing by XX/XX/XXXX without seeing or reading the documents. 
XXXX XXXX demanded that I schedule the closing within 1 hour on XX/XX/XXXX at XXXX XXXX  Email from XXXX XXXX states : You have until end of day ( XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX to schedule closing with our notary, Statewide. Failure to schedule closing by end of day XX/XX/XXXX will result in a denial for XXXX  assistance. Regardless of your decision, you will not be able to apply for XXXX assistance again as you have applied for assistance twice. 
must send me the documents to read has provided wrong information to me ( I applied twice for assistance ) I applied once. 
refused to inform me of Closer 's name, address, or date Wells Fargo showed her proof of my mortgage payments. 
states she has proof of XXXX  Calculation accounting refused to send me Wells Fargo payment history example : Wells Fargo has not applied my mortgage payments to my mortgage " {$29000.00} '' claims, by XXXX, to KNOW that Wells Fargo accounting balance is correct. Wells Fargo is hiding facts. 
believes that I am only 2.5 months in arrearages. I am considerably more late than 2.5 months XXXX XXXX, employee, texted a high pressure texts that she, XXXX XXXX, " Will report me. '' if I dont respond. ( I will have XXXX XXXX 's texts available in 5 days. I'm not knowledgable how to download from my phone. )