davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (KY)

I am a victim of identity theft. I've provided police reports and FTC reports to support. I have debt and accounts attributed to my credit profile that I do not recognize and I never authorized. The creditors and debt collectors have been contacted and refuse to fully validate debt as authentic beyond a reasonable doubt and pressure for payments despite the debt being the result of identity theft.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal with regards to selling, trading & reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, As well as 313.7 Form of opt out notice to consumers ; opt out methods, with said company " XXXX XXXX XXXX '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX we traded this car in from Capital One Auto finance when they took the vehicle and was supposed to pay off the balance, they never sent the check to the new companies then reported me 30 days pass due in XXXX of 2023 which is incorrect.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF HAWAII CORPORATION (CO)

I began receiving letters from Bank of Hawaii stating that a checking or savings account was opened in my name. I am not certain when first letters arrived however I have 2 dated XX/XX/year> & XX/XX/year>. I called Bank of Hawaii and spoke with fraud dept. They stated the account was closed as soon as it was opened however a card and checks had possibly been issued and that I should cut them up. My Credit accounts are frozen so I am not sure how this account was opened.
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

Dear Mr/Ms, I'm writing to complain about the unusual hazard insurance fees bill problem. 
The reason : Since XX/XX/year>, my lender bank has been adding {$140.00} to my loan for hazard insurance fees. 
This misunderstanding was caused by the fact that I was out of the country when my loan bank sent me a letter asking me to update my property casualty insurance information. So I never saw the letter. 
It was not until I came back 4 months later that I saw a letter informing me that my hazard insurance had expired and asking me to update my hazard insurance information. 
I contacted the bank in time to inform them that the house I bought was cooperative and that the building had bought hazard insurance fees for our shareholders on time every year. I hope they stop collecting this fee immediately. 
In letters and phone calls, the bank told me not to worry. 
And promised that as long as I provided valid hazard insurance information, he would stop and refund me the money he had overcharged. 
The current situation is : My loan bank stopped charging this fee in XXXX of this year. ( I think the insurance information I provided is valid, otherwise they would not have stopped charging ) The bank charges 16 more months, {$140.00} more per month. A total of {$2200.00} ( {$400.00} has now been returned, and {$1800.00} remains unreturned ). 
However, the bank did not have any explanation. Tell me why I can't get a full refund. 
In order to recover the overcharged fee, I wrote to the bank again on XX/XX/XXXX, but the reply on XX/XX/XXXX was unrelated to my appeal. ( In the attachment ) I wrote to the bank again on XX/XX/XXXX, asking the bank to refund the overcharged fees as promised. And asked them, if they think my appeal is unreasonable, please explain the specific reasons. 
But so far there has been no response.
Consumer complaint received 2024-02-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (NC)

XXXX XXXX c/o PHH mortgage services did not apply a payment for a XX/XX/XXXX. The company is currently working under Ocwen Loan servicing as well. Our bank confirmed the payments was collected on XX/XX/XXXX from Ocwen. Owen & PHH were in the process of transferring on XX/XX/XXXX. We immediately contacted the company about this missing funds. Never resolved. Then PHH changed the statements 3 Months later to XXXX XXXX, C/O PHH. My wife continued making monthly payments, even though we were actually ahead, and in XX/XX/XXXX., paid XXXX & XXXX early. Again negative reporting to credit bureaus, Charged bogus fees, Also XX/XX/XXXX payment history received by PHH per our request,, Not only had they not applied/ & corrected the XX/XX/XXXX payments. But the transferred amount was increased by Over a 100,000 + and they continued charging interest on this inaccurate balance for over 12 months and have yet to resolve or refund.After further investigation. We were informed that there were two other fraudulent loan modifications associated with our account. They mailed these to us for review. The first fraudulent loan modification sent by PHH, was clearly fraudulent. The terms were obviously not legally binding. No signatures. And Upon further review noticed the loan number associated on this document had also been associated with another fraudulent transaction, in which our loan number was purposely changed on a bank check that was so similar it went undetected for years until we were mailed these documents by PHH in XXXX.This fraudulent files had a ballon of roughly XXXX. Increase in Interest rates. Etc. The second set of documents sent about a loan modification in XXXX. Another example of Bad business practices & predatory practices. Offered trail, but someone changed the terms in XX/XX/XXXX. We questioned this and have evidence that we wanted to have a full breakdown as this was not the deal ( threatened with foreclosure proceedings ) as someone either mixed files or maliciously made alterations & copied signatures from public documents? This time there was a another additional ballon of over XXXX. We have lived in our home since XX/XX/XXXX. We only borrowed XXXX. Thats all. We are well ahead of our monthly payments by method of a Processional accountant. We demand that the debt collector stop this fraud & adjust all payments interest escrow, fees, etc immediately.
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (OH)

My son is assuming my mortgage. We submitted the documents over 1 month ago. I have reached out 3 times via phone and email and have been told different stories each time. Now Im being told the process changed during my application period and the servicer does not have access to where the application is or how long it may be before I hear something back. I have no way to phone. I emailed for status on XXXX and not received a response. I spoke to the service today and there is nothing more they can do, it is in the hands of Mr Cooper. This is a time sensitive matter and I need help getting a response.
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunnova Energy Corporation (MD)

I filed a Complaint on this matter on XX/XX/XXXX which was dismissed with an inaccurate and dismal response from the Sunnovas XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

She basically called another attorney a liar in her response. The original complaint was submitted on XX/XX/XXXX. The filing number is XXXX. I waited 10 days to file this follow-up Complaint hoping that the Sunnova representative would recognize her inadequate response. 

I am dissatisfied with the agencys closure of this complaint and with the disingenuous response from Sunnova. I note that the XXXX & XXXX XXXX XXXX did not even give her contact information ( to another attorney at that ) but went on to deny the complainants statement of facts to include that her company stole money from his companys account then harassed him to collect a debt he did not owe. 

I need to be made whole. In my view my damages and it must be punitive to stop this kind of illegal and blatant behavior is valued at {$6000.00}. I expect a check for that amount or else I will take this matter to a court of law. 

I am attaching the relevant evidence from my bank and elsewhere to document the harm done to me. Please refer to the original Complaint # XXXX for context and reference. 

PS : Since the closure of this matter by the CFPB I have received two harassing collection calls from Sunnova representatives.
Consumer complaint received 2024-05-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC. (CA)

I took out a personal loan with XXXX XXXX. That loan was purchased by SoFi. 

SoFI began servicing the loan in XX/XX/2024. The personal line of credit loan includes an automatic monthly EFT for interest payments. I have made 4 requests to SoFi to mail me statements for my loan. 
Despite 4 phone calls and spending more than an hour on the phone with SoFi representatives I have never received any documents regarding my personal line of credit or withdrawals, balance or statements. 

It is my understanding that if I have recurring EFT transfers from an account the financial institution is required to provide a monthly statement if requested. That request has been ignored on multiple occasions. 

I most recently spoke with XXXX, customer service rep from SoFi, who told me she could not mail me statements for my loan or my recurring withdrawals.
Consumer complaint received 2024-02-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (FL)

This whole situation started in XX/XX/XXXX when I lost my job. I immediately called PHH and requested assistance and advised them and the advised I could file for a remodification. Since XXXX, I have been submitting re-modification applications and they expire and I have to resubmit to prevent losing my home. This company has sent my home for Foreclosure no less than 7 times. So in XXXX of XXXX they requested another updated application, which I submitted and they stated they didn't receive. I have all supporting documents. Because this has been going on since XXXX, I'm behind 79 payments ( see attached ). 

The name of the lender is as follows PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This mortgage company has deliberately decided to let every application expire, place my home to Foreclosure no less than 7 times and retract because they are aware of their retention managers not handling my case, now I can't pay 79 missed payments. 

Please help me, I implore you.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

I called my mortgage provider PennyMac to enquire about a HELOC loan on my equity He asked to pull my XXXX credit report. I asked if it would affect my credit he said No. 
So I said OK I did not like their terms so hung up. 

I no sooner hung up when my phone was blowing up with unknown callers when I answered they stated they were loan officers for various companies and the got my number from an XXXX report. 

I have had over 200 calls in 1 and 1/2 days. I will have to go to XXXX and have my phone number replaced due to this
Consumer complaint received 2023-04-28
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$2300.00}. Please correct and update this account ASAP.
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have such a high APR rate for 2016 vehicle and its ridiculous. I can not get caught up with my payments XXXX happen. Ive been ill so it caused my income to diminish. ive asked if they removed late payments of my credit report or work it out with me. I have been making my payments I promise to pay for the last six months every two weeks I feel like I am stuck in this loan. I am paying over almost XXXX for XXXX vehicle. this is really hindering my credit. I wish I wouldve known what I was getting myself into but desperate times call for desperate measures. Im a single mother of XXXX newly divorced and I am trying to get my life in order.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC (MD)

MY ACCOUNT XXXX XXXX XXXX  XXXX XXXX Balance : {$210.00} WAS CLOSED AND DELETED DUE TO FRAUD AND I NEVER MADE THIS ACTIONS.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company " CREDIT CONTROL SERVICE '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974
Consumer complaint received 2023-08-05
Product: Credit card or prepaid 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: Paypal Holdings, Inc (NY)

There was a charge made in my Venmo issued card. I did not place the order and did not receive the item that they said was ordered. The charge originated from XXXX. I contacted XXXX  and they were not able to find an order associated with the transaction. The claim number is XXXX. 

I filed the dispute on XX/XX/XXXX. I was told they are waiting for the merchant to respond. To date the merchant has not responded. I contacted Venmo and was told the the mediated the dispute on XX/XX/24 and I have to wait 50 days from that date for the merchant to respond. This pushes the time to almost 5 months. 

I dont understand why I am waiting additional time for an unresponsive merchant to respond. They keep extending the time for a resolution. This seems unethical. Im sure there is a time frame for this. 

I recommend people be very careful with using Venmo. They do not have the interest of their ad users as a priority and do not protect them.
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

US Bank continues to report to the credit reporting agencies an auto loan that was discharged in XXXX. I received the title to the vehicle in my name only with no lien holder on the title. My repeated attempts to have US Bank either remove the account or report it accurately are ignored. My repeated attempts for US Bank to send me all documentation relating to any and all accounts under my social security number at US bank as well as the source of the funds for the alleged 'loan ' have been denied as against their policy.
Consumer complaint received 2024-05-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC (PA)

XXXX has called 3 times and its only XXXX, they are way over 7 calls in 7 days. XXXX current time XXXX unable to listen to speaker music on a bluetooth speaker calls just keep interrupting.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dispute reason XXXX has invalid late payments on all my credit reports In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX Account # XXXX XX/XX/2020 XX/XX/2020 on Transunion Account # XXXX XX/XX/2020 XX/XX/2020 on Transunion If you can not produce METRO 2 COMPLIANCE EVIDENCE I will force my legal team to files complaints with the FTC, XXXX and Georgia Attorney General along with any further legal action we deem necessary including but not limited to civil and pumitive damages I was never late on the off account listed above Please show me documentation showing proof of transaction Showing that I was ever late to support your inaccurate reporting on my account I am also requesting the description of the procedure used to detertmine the accuracy and completedness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

FCRA allows 30 days for this to rectified My photo id and a copy of my utility bill for proof of address is attached with my current address
Consumer complaint received 2016-04-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I recently had fraudulent activity with one of my checking accounts. Unauthorized use of the debit card was tracked to Florida. USAA Customer Service stated that the unauthorized user called and obtained information to access my online account. With information, provided by Customer Service, the unauthorized user accessed my online account and transferred the entirety of joint checking and joint savings to my personal checking account. While in my online account, the unauthorized user changed the withdraw limit and PIN number before withdrawing the entirety of my account balance via my personal checking from an ATM in Florida. It only took USAA about a week to return the funds, but now I have been locked out of my account since. They keep transferring me from one department to another, dropping my calls and every time this happens you have to start the whole phone call process over again. Now every time I call they tell me that a Escalation team member will have to call me back in XXXX hours to verify my identity. I have yet to have a call back and it has been about 3 weeks now that this mess has been going on with no resolution. I need access restored to my accounts immediately. I have late fee 's, over drafts, bills to pay, and a mortgage. I do n't know what else to do. This is causing XXXX on a XXXX veteran. Please help.
Consumer complaint received 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MD)

Aidvantage has been rejecting my student loan payments since XXXX of 2023. For each months payment I have received a confirmation of payment email followed by an email stating that they have not received payment. I have contacted the company several times, each time resulting in no response. I even tried speaking to a representative and when I finally reached someone they hung up the phone on me. Furthermore I do not want this affecting my credit score as I have not missed a single payment, they have just failed to collect them.
Consumer complaint received 2024-02-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Veripro Solutions Inc. (MA)

I had XXXX mortgage. Then I did loan modification XXXX years ago. I thought it included both mortgages. Never received any note stating I owe a XXXX mortgage Till now from a collection agency stating I owe a huge amount plus interest. Totalling XXXX Try to get legal help to get advise in what to do. I was told not to talk to the collection agency till I talk to a lawyer. But don't have the money to do so.