davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-22
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Javitch, Block & Rathbone LLC (OH)

Replied to my previous CFPB complaint with a false statement about when they first contacted me about the debt, insinuating that I did not request validation within 30 days which is not true. 

Did not explain why they will not provide the validation documents I am asking for. They even detailed what they are going to send me but what I have asked for three times now is not included. 

They also, instead of contacting me about the CFPB complaint, sent debt collection notice to my mother. 

They continue to insist that they have the proper documents to sue me despite being barred by the CFPB. However, they refuse to send me what I keep requesting. 

Then their attorney asked me to contact him with questions but did not give his contact info.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (FL)

Suddenly I saw an account that is not mine. I am victim of identity theft and therefore I am asking you to help me and figure out how it happened. I mean howcome this unknow item appeared in my credit profile. I ask you to make investigation and remove this item from my rpofile. 

Please check this account : XXXX  XXXX, XXXX XXXX
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

We purchased property in XXXX through a 30 year fixed rate mortgage originally as HUD property. HUD sold this property to Ocwen in XXXX. The original purchase price was $ XXXX at 10 % interest rate. We paid $ XXXX {$600.00} per month ( depending on the tax rate ) for 30 years. The final payment was XX/XX/XXXX for {$400.00} after which Ocwen said we still owed {$21000.00}. We hired a mortgage lawyer to check into what Ocwen said we owed past the maturation date of the loan. 

The lawyer informed us that we did owe {$21000.00}. We disagreed but Ocwen threatend a foreclosure on our home. We wanted to avoid this so we sent them what they asked for to avoid foreclosure. We never missed any payments on our home. They asked for {$3000.00} in XXXX we sent that and they then asked for another {$300.00} and we sent that along with our regular monthly mortgage payment.s We paid our own homeowners insurance during the 30 years. 

In conclusion, we would like to know why we owe this amount to Ocwen. Our records indicate our home would be paid off XX/XX/XXXX. We sent them the {$21000.00} XX/XX/XXXX. We have yet to receive our deed. We have only received letters to us concerning foreclosure assistance through XXXX and no receipts or acknowledgements that we have paid them anything final.We would like to obtain our {$21000.00} plus interest.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

XXXX MUST CONDUCT LOAN REVIEW WITH XXXX AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME XXXX XXXX ACCOUNTS NUMBERS ARE ON XXXX CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

I SENT A LETTER ASKING FOR VALIDATION TO THE CREDIT REPORTING COMPANY AND THEIR FINAL ANSWER WAS ALL INFO IS REPORTING VERIFIED BUT THATS NOT WHAT I SAID I ASKED FOR VALIDATION. THESE ACCOUNTS HAS NO PAYMENT HISTORY EXCEPT FOR THE MONTH I ASKED FOR VALIDATION SO THEY IN RETURN REPORTED PAYMENT OK BUT HOW? ACCOUNT BEEN CLOSED FOR TEN YEARS AND THAT ALSO HAS THE ACCOUNT NOW REPORTING CURRENT. SO IF THE ACCOUNT IS GOING TO REPORT CURRENT WHY THEY DO ADD THE CORRECT ACCOUNT AGE? ITS XXXX ACCOUNTS WITH XXXX XXXX, XXXX WITH XXXX XXXX, XXXX WITH XXXX AND XXXX WITH XXXX XXXX BUT ALL THESE ACCOUNTS WAS CONSOLIDATED OVER 9 YRS AGO
Consumer complaint received 2017-11-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Thaxton Investment Corporation (TX)

I received a payday signature loan from XXXX XXXX. I became behind by a month and a half and they sent someone to my home in their personal car carrying documents containing my personal identifiable infirmation ( Ssn, birthdate, loan amount and etc ). The young lady that arrived at my house called her supervisor whom I spoke to over the cell phone. I expressed my disapproval of some traveling around with my personal identifiable information in their car and for them coming to my home. They could have mailed me delinquency notice the same way the mail me a notice of payment when I make them. The supervisor referered to the home visit as a courtesy visit. What is courtesy about it? It is a form of harassment and embarrassment. I do believe this is unethical and maybe even illigal. I could contacted the parent company which is Southern Management, but did not get a call back. I contacted the TX AG office and filed a complaint. I think this company need to be investigated because they should not have an office employee carrying around documents containing my personal information. It was late in the evening and I asked the employee if she would be returning back to the office with the documents and she said no, she would proceed to her residence after leaving my home. So that means she took my personal identifiab information that could be used for identify theft to her house.
Consumer complaint received 2021-05-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (OK)

Was denied a loan. I talked to a customer service rep XXXX, and he was not able to give me more information on why i was denied. He was very vague on the reason why i was denied, citing " incorrect information '' during the application process. I am not able to re apply for 30 days due to this issue. When I received the email on the reason why I was denied, it said " not enough information. '' I was not even provided my XXXX score from Payoff, Inc Applied for a {$12000.00} loan XX/XX/21
Consumer complaint received 2021-07-06
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)

Suddenly I saw an account that is not mine. I am victim of identity theft and therefore I am asking you to help me and figure out how it happened. I mean howcome this unknow item appeared in my credit profile. I ask you to make investigation and remove this item from my rpofile. 

Please check this account : XXXX  XXXX, XXXX XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

GE CAPITAL RETAIL BANK now known as Synchrony Bank allowed a credit card to fraudulently be open in my name opened XX/XX/2013 in the amount of {$1500.00}. Account number : XXXX. I am a XXXX XXXX XXXX veteran. They allowed someone to open the account using my old address from government housing. They sold the debt to XXXX XXXX. I didn't find out about this fraud account until XXXX started calling me 5 plus times a day. I have sent the fraud form to XXXX 5 different times and they keep claiming they haven't received it. They have harassed me since they bought this fraud account. In XX/XX/XXXX XXXX posted this account on my credit report on top of Ge Captial Retail Bank/Synchrony Bank having it reported on my credit report.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Onity Group Inc. (IN)

OCWEN MUST CONDUCT LOAN REVIEW WITH XXXX AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME OCWEN LOAN ACCOUNTS NUMBERS ARE ON XXXX CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I signed up for a credit card with Capital One back in XX/XX/XXXX with my Stepdad. At the time I was a student, and my step dad did not speak english very well. We signed up in person at a capital one branch. It recently came to my attention that the credit card I had signed up for included an annual fee. 

First, I find it a little silly that the bank teller would suggest a credit card with an annual fee for a college student. What kind of benefits would a college student need that requires a credit card have an annual fee? After a few attempts, I was unsuccessful in getting any refund for my annual fee. However, I was able to change the card to the XXXX, which does not have an annual fee. My annual fee is charged every year on XX/XX/XXXX, for the following year. I was able to change the credit card on XX/XX/XXXX. So even tho, I will not actually have a credit card with an annual fee for the remainder of this year, the full annual fee remains. 

Furthermore Capital One does state that if the card is closed within 30 days of the annual fee being charged it will refund the charge. I also wonder, does Capital One give it's employees incentives to peddle credit cards with annual fees? I was curious, so my 3rd time around I asked a manager quite bluntly if they were incentivized to sign up customers for credit cards with a fee. Unsurprisingly, they were unable to give me that answer ...

The best response I was able to receive was from a representative named XXXX, who agreed with me that it did seem unfair. Unfortunately, the system did not allow her to do anything about it ... She assured me she also would file a complaint on her end.
Consumer complaint received 2017-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KS)

This actually is n't a " me '' problem. There are reports of consumers getting scammed based on the terms of service of a mobile payments provider. A background on the problem is best expressed through this article : XXXX XXXX XXXX What I perceive as going on here is a violation of Reg E, which I think applies to these type of transactions. Instead of adhering to the standards of Reg E, Venmo is deliberately casting its terms of service in a way that puts the consumer at risk of unlimited fraud liability for electronic transactions that have an opaque clearing mechanism. 

There is a clear oversight on this issue, because much as Venmo should adhere to BSA/AML laws, it should also of the Electronic Funds Transfer Act.
Consumer complaint received 2017-11-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

In 2015 I was on XXXX XXXX I received a pre approval letter in the mail for an instalment loan. I applied online and was contacted shortly by a rep. I clearly told him I was on XXXX and I was n't sure about getting the loan and he kept telling me to tell the loan processor I am working and not " on XXXX '' or else I wo n't get the loan. So I was forced to put my income like if I was working. I finally got the loan and I felt uneasy about being pressured to get the loan so I wanted to return it back. The company said I had to wait until the 1st payment was due. So me being in a financial distress I used the money to pay other bills. I ultimately lost my job and was unable to pay them after I went back to work from XXXX XXXX. The company kept calling my job despite me telling them I could get fired. They also threatened to garnish my wages if I did n't pay. I am currently unemployed and I heard recently they served my previous employer at her house!!! To have my wages garnished. I do n't work and I am very upset and embarrassed that they went directly to my old bosses house instead of calling me or coming to my home. This is causing alot of stress on me because I honestly never wanted this high interest loan to begin with. Their rep was very much pressuring me to get it even told me to lie about my income.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

I was receiving my direct deposit like usual and all of a sudden my account was closed with my funds still being held. I reached out to chime several times and was told that I needed to send in confirmation of were my direct deposit had been coming from. I did that then received an email just saying that chime has the right to close my account for WHATEVER REASON THEY WANT. I said it was fine that they feel they need to close my account but what about my funds still held in the account. I have yet to receive an email back.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NV)

I am the cosigner on my son 's student loan with XXXX credit. Even though his loan is in a delayed repayment status because he is XXXX XXXX military, they incorrectly show a missed payment for XX/XX/21 and XX/XX/21. 

They don't dispute the error, and agreed to fix it, but then failed to do so. When I contacted them a second time, I was instructed to email my credit report to them. 

I did so, but now they claim they can't authenticate my identity. I used the same information via email that I used earlier the same day via phone.
Consumer complaint received 2022-03-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Accounts Receivables, Inc. (FL) (FL)

Formal Complaint I RENTED A CAR FROM THIS RENT A CAR FROM XXXX XXXX, DBA. THE COMPANY RENTED ME A VEHICLE MONTH BY MONTH WITH UNLIMITED MILES THEN WHEN THE MONTH BY MONTH IS UP, I RETURN THE VEHICLE, I RENTED ANOTHER VEHILCE FROM THEM MONTH TO MONTH IN REFERENCE TO PUTHASE THE VEHICLE. COMPANY CHANGE THEIR POLICY WITHOUT NOTICE AND FORCE OUT THE VEHICLE AFTER I DRIVIEN XXXX MILES BREACHING THEIR OWN CONTRACT. THEN TURN AROUND AND SUE ME FOR MILES OVERAGE ON A RENTAL CAR THAT HAS UNLIMITED MILES. THEY HIRED A DEBT COLLECTIOIN COMPANY TO COLLECT ON A BREACHED CONTRACT THE ATTORNEY WHO NOTIFYING THE WRONG ADDRESS OR NOT CONTACTING ABOUT A LAW SUIT. COMPANY HAS SENDING INFORMATION TO AN ADDRESS I DONT LIVE AT SO I CAN LOSE THE CASE. ALSO, THEY PLACED A XXXX HOLD ON MY BANK ACCOUNT FOR {$12000.00} AND TOOK MY TAXES IN THE AMOUNT OF {$6700.00} PUTTING MY FAMILY IN A POSITION OF GETTING EVICTED OUT OF APARTMENT. IT'S SO EMOTIONAL DISTRESS AND I AM ASKING IF YOU CAN HAVE STOP THIS FRAUD DEBT PRACTICE IN THIS PENDEMIC.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

all credit reports trans union XXXX XXXX I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (AZ)

Date : XX/XX/2018 Minimum amount due : {$49.00} Date of attempted payment processing : XX/XX/2018 XXXX PST ( XXXX CT ) Hello There, I'm writing to file a complaint about XXXX XXXX XXXX   `` Cardmember Services ''. Today at XXXX PST I attempted to process my minimum amount due of {$49.00} and XXXX XXXX XXXX refused to process my payment on today 's date of XX/XX/2018. 

Alternatively they decided to process my minimum payment for tomorrow 's date of XX/XX/2018, which of course -- incurs a late fee. Tucked neatly away into XXXX 's literature the consumer is expected to make a payment before XXXX Kansas time on the date of their minimum due. 

I find this business practice to be unethical, misleading, and opportunistic. The whole of Western Civilization has decided that 'a day ' is over after midnight. I find it fascinating that XXXX reserves the right to decide when the day is over. Most people in Arizona aren't even off of work by the time XXXX decides to cut off receiving payments. 

Naturally, Cardmember Services ( XXXX ) knows this business practice will ultimately yield more profit at the expense of the consumer given the inconvenience it causes. 

I'd like to hear back from somebody explaining to me why this sort predatory rule is allowed to exist in a financial institutions literature.
Consumer complaint received 2018-03-20
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: Experian Information Solutions Inc. (CA)

Ive sent Experian a copy of the letter from XXXX XXXX XXXX AND THEY HAVE NOT REMOVED ACCOUNT NUMBER # XXXX FROM MY CONSUMER CREDIT REPORT..
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (KY)

I dont have exact dates, but my XXXX credit card account that was owned by XXXX XXXX, was recently sold to a Goldman Sachs credit company named Marcus. This is ongoing.

I have had the XXXX account over twenty years, maybe thirty, and I pay it off every month. I have only run a balance twice, as far as I can remember and I paid those off in two billing cycles on those occasions.

Marcus by Goldman Sachs decided they were going to take the monthly bill out of my checking account. I dont have a checking account and I want a paper bill mailed to me every month. I told them that. My credit card bill is the only bill I have and my mother sends a check for me.

I havent received a bill and apparently, because I wont pay a bill I havent seen, Marcus has frozen my card. Last Thursday they finally said they mailed me a bill. Never got it, called them today and now they say they mailed the bill on the XXXX, yesterday. 
I am almost positive that this company doesnt want customers that settle their balance every month, but prefer customers that run debts month to month. That means Marcus is discriminating against people that pay there bills on time and in full. Im no lawyer, but that is also coercion. Marcus cant force me to give them access to my bank account or withhold their services because I pay my bills on time. 
Ive contacted the XXXX XXXX XXXX about this and I hope, that if you see some wrong doings, you will look into it. At the least, I think you should make them aware of my complaint against them. Just that might put them on their toes.
Consumer complaint received 2018-06-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NY)

I have been leasing a New Honda CRV XXXX since XX/XX/XXXX. I signed my contract at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The finance company is American Honda Corporation. I have been late on payments due to financial hardships. When I first received to car I was married and working. During the time of my lease I became divorced and unemployed. I still continued to make my payments although they were late. Honda would charge me a {$25.00} late fee which is stated in the contract I signed. I became a XXXX XXXX XXXX in XX/XX/XXXX and recently XXXX  on XX/XX/XXXX. I informed Honda on several times that I was unemployed and a student that's why my payments are always late. They always said we will note the account. In XX/XX/XXXX I missed 3 months of payments they informed me by letter and phone call that there was repossession out for my car. I ask them what I can do to stop the repossession they stated I can pay 2 months and I have to western union the money. I did. The car wasn't repo then. On XX/XX/XXXX I  called to tell them I will make a payment on next Wednesday which XX/XX/XXXX. They agreed. They repossesses my car on XX/XX/XXXX without notice. I only have seven more payments left. They told me the only way I can get the car back is if I buy it for {$21000.00}. I ask is there another option. They said they would have to review another option which was I would have to make my account current and pay all the late fees and have a XXXX balance and the repo fees I agreed I could get that done. they said my account has to be reviewed and they will get back to me in 1 to 3 business days. I got back to Honda and they said I was not eligible for option one due to my late payments. That I will have to buy the vehicle for {$21000.00}. I would have to take out a personal loan and send them a check by XX/XX/XXXX and still pay repo fees. I feel like I had no choice so my mom took out a loan and its not going to clear in time for XX/XX/XXXX. I ask them for more time they gave me until XX/XX/XXXX after I sent them proof of the loan. I ask them for a written agreement stating they gave me until XX/XX/XXXX. They said the can't but they noted the account. That was on XX/XX/XXXX.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-03-20
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (NM)

Repeated calls to my employer, family members and contacts of mine asking for personal information about me .... I have not received any calls, messages or mail directly to myself regarding the matter. 

Ive notified them by emails as well as verbally to not contact or harass these people