davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (GA)

I allowed a relative to use a XXXX XXXX credit card which was referred to United Recovery Systems for collection after it became past due. Arrangements for payment were made by my brother with XXXX XXXX to pay the $ XXXX balance. He has followed through with the arrangements made and is actually ahead of schedule on the payment plan but she continues to call me requesting that he pay more. Since he is current on the payment plan, I do n't feel that it is necessary for her to continue calling me at least XXXX a week.
Consumer complaint received 2016-03-16
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (PA)

I leased from Ally a Hummer from XX/XX/XXXX to XX/XX/XXXX. Towards the end of my lease [ I believe about 2 months before ] I took the vehicle to XXXX XXXX in XXXX, PA to attempt to purchase the vehicle. My contract allowed me to purchase the vehicle. XXXX said that the windshield was broken and it had excessive miles. They agreed that if I purchased the vehicle then the excessive miles was not a factor. So I left and I then had the windshield replaced. I then took the vehicle back to XXXX XXXX to purchase the vehicle per the terms of my lease. XXXX then refused to allow me to purchase the vehicle. I then left and telephoned Ally. Ally said they would extend the lease and allow me to contact XXXX to attempt to purchase. XXXX again refused to allow me to purchase the vehicle. The payoff on the vehicle was only {$16000.00} more or less which was far less than the value of the vehicle. I believe that they wanted my vehicle so that could then sell the vehicle for its true fair market value of {$24000.00}. They then charged me for a cracked windshield [ which I had fixed ], a non existent roof debt, an alleged tear in the interior headliner and excess mileage. XXXX XXXX and Ally failed to comply with the terms of the lease and refused to allow me to purchase the vehicle. I believe XXXX XXXX sold the vehicle for substantially more than I owed and did not allow me to mitigate my damages. I believe I do not owe them any money. They have not sued me, I wish they would so that I can prove that I do not owe them any money. What they have done is report this alleged debt on my credit report. I want them to remove this from my credit report.
Consumer complaint received 2015-03-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZWICKER & ASSOCIATES (CA)

XXXX continues to collect and litigate despite dispute as to liability in violation of the CFPB 's Join Consent Order against XXXX ( FDIC-XXXX, FDIC XXXX, XXXX ).
Consumer complaint received 2015-07-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resolute Credit, LLC (CT)

I had a credit card opened in XXXX with XXXX, XXXX after I was married to my husband in XXXX. Even though it was in my name, we both used the card for both of our use, which included purposes for the home we bought in XXXX. However, since the credit reached a substantial high of {$6500.00}. along with other credit cards we had that we made home improvements on, we decided to refinance on a 2nd mortgage in XXXX with XXXX Mortgage eliminating these debts. Unfortunately, XXXX child later, and in XXXX, we divorced and I 'm left in a strict foreclosure after losing my job due to the economy crisis in XXXX and working XXXX jobs to meet the mortgage and during XXXX job I took a fall which left me on worker 's compensation since XXXX, still fighting for XXXX. However, let me be brief ... XXXX, XXXX apparently sold off debt to XXXX XXXX , XXXX in XXXX, that 's 13 years later. I 've never had it on my credit report since then. Like I said, I refinanced the debt in XXXX. When I received the letter from XXXX XXXX , XXXX XXXX XXXX ( which by the way is over the statute of limitations in CT ). I immediately advised them that this credit was refinanced in XXXX and she said ok I 'll take care of it. There must have been an error. I was never notified any time after that, but I was taken to small claims court in XXXX XXXX where there was a judgement against me yet no papers were ever sent to me for {$5000.00} judgement 2 months later. Then they sold the debt off to another credit agency called Resolute Credit who is now again taking me back to court and threatening me when they know that they can not go into my funds because I am on worker 's compensation and I was receiving child support which just ended and my son is living with me until he goes to College in XXXX. However, this man legally threatened to go after my checking account again for the same amount knowing I just turned into the court via fax An Exempt for Execution which I should n't have had to do in the first place because the Bank ( XXXX XXXX Bank ) should have been able to protect my money with my Divorce Decree on File as well as my Worker 's Compensation Check. They should have marked my account as Protected!! And they did not do their job. So yes, I believe this should be made public for others to see. So it does n't happen to them. And their should be laws put against these Credit Card/Collection Agencies that do this because now I have this on my credit report which ruins my credit report while I now need to look for a place to live and when they need to check my credit score, it brought it down traumatically. And they should be held liable for this damage.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

Told them threw divorce XXXX XXXX XXXX card was my wifes to pay off She left it go into default, for the credit consolidation to take it over for her. I told Equifax this they did nothing on my part .Iv payed over XXXX Worth of credit off last month yet my credit score dropped over XXXX and XXXX more points this week, Yet they keep slamming me with buy there credit monitoring in my emails, MY XXXX scrore is XXXX and Equifax has me at XXXX and keeps spaming me with buy there product .This is bs .I got Divorsed 2 years ago and have been working hard on brining my credit up, They are an unfair company nothing has changed for them to drop it, All I have done is pay pay and pay more debt down to try to improve it.
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

AFNI is continuing to report to the credit reporting agencies a debt that did not belong to me. 2 years ago they sent me a settlement offer for a debt which I did not recognize. It was a small amount so I paid it to avoid further collection activity. Since that time, I have requested several times from them proof that the debt was actually mine and they have ignored my requests each and every time. The name on the debt does not match mine and it is for an address at which I have never lived. Despite my disputing the debt, they continue to report this debt as settled on my Experian credit report.
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (CA)

On XXXX/XXXX/16 I filed a dispute with XXXX and they reported that EOS-CCA verified this XXXX XXXX XXXX XXXX debt. Collector was never able to provide debt validation despite several attempts via USPS to retrieve said validation. The continue to verify with the credit reporting agency with no regard for the FCRA and FDCPA. 

On XXXX/XXXX/16 i sent a letter to the CEO of the company regarding their continued verification of a credit reporting agency despite their inability to VALIDATE the debt. No response and they continue to report on my credit.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CO)

Company responded Experian Credit Reporting Agency said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that Experian is reporting inaccurate credit information on your personal credit report. You would like your names and incorrect addresses corrected. 

Upon further research and reinvestigation we were in the process of removing/updating variations of the disputed address. Upon completion, an updated copy of the credit report will be provided to you for review and confirmation. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 


I HAVE RECENTLY RECEIVED MY NEW EXPERIAN CREDIT REPORT VIA THE US MAIL, AND I WOULD LIKE TO KNOW WHY THE INVALIDATED, INACCURATE, DISPUTED INFORMATION IS STILL BEING ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT? PER EXPERIAN 'S RESPONSE, VIA THE CFPB PORTAL, WHICH IS LISTED ABOVE FOR YOUR REVIEW, EXPERIAN CLEARLY STATES THAT THE DISPUTED NAME, AND INACCURATE ADDRESS IS IN THE PROCESS OF BEING DELETED! SO I WOULD LIKE TO ASK EXPERAIN WHY IS IT STILL BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT? AS I AM SURE THAT EXPERAIN IS IN FACT NO DOUBT AWARE THAT RE-INSERTING PREVIOUSLY DELETED INACCURATE INFORMATION BACK ON TO A CONSUMER CREDIT REPORT IS KNOWINGLY AND DIRECTLY VIOLATING THE FAIR CREDIT REPORTING ACT LAWS! FAILURE TO REMOVE THE RE-INSERTED INACCURATE PERSONAL INFORMATION COULD RESULT IN {$1000.00} DOLLAR FINE PER UN-DELETED ITEM! 

I AM NOW DEMANDING THAT EXPERIAN ADHERE TO THE LAW AND COMPLETELY REMOVE THE INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION THAT WAS RE-INSERTED BACK ON TO MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE. 

THE FOLLOWING INACCURATE INFORMATION SHOULD NOT BE BEING DISPLAYED ON MY EXPERAIN CREDIT REPORT : ILLEGALLY ADDRESS BEING DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX ILLEGAL NAME CURRENTLY BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX XXXX NAME IDENTIFICATION NUMBER : XXXX AS I HAVE NEVER USED THE INACCURATE PERSONAL INFORMATION CURRENTLY BEING LISTED ON MY EXPERAIN CREDIT REPORT, I WOULD LIKE TO KNOW WHY EXPERAIN IS CONTINUING TO KNOWINGLY VIOLATE THE FAIR CREDIT REPORTING ACT LAWS BY CONTINUING TO REPORT THIS RE-INSERTED INFORMATION?
Consumer complaint received 2015-10-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WA)

In XXXX 2015, I received notice my loan was transferred to yet another loanServicer. On XX/XX/2015 I contacted Loancare and asked if I was on auto pay, they said no, so I paid via credit card for extra XXXX for XXXX loan payment. Then onXXXX/XXXX, they took via auto yet another loan payment. thus followed many calls, emails, ticket # 's, demand for bank statement to prove money went through. Itended with me agreeing and being promised XXXX payment would go towardsXX/XX/XXXX loan payment, and it said so via phone auto report. So today I look atmy bank account, and they took yet another loan payment out, I called and gotmore run around, and they want bank statements. I told them if they had notreceived the funds, they would see an NSF! They put me in the hole! I have nomoney left after that debacle in XXXX, my car needs transmission work, Ineed my car to get to work, to pay my bills, this servicer also changed theirweb site so there is no option to opt out of auto pay. So I contacted my bankand put a block on them and filed many complaints with them. According to theauto account report, I am paid through to XXXX, so yes, they have theadditional funds, and they need to refund me this time, I can not wait. That wasmy whole check.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

XXXX XXXX payment made on XXXX XXXX. As of XXXX/XXXX/2015 still not applied to my loan. They have added escrow charges for paying my Home Owners Insurance that was already paid and expect me to get a refund from my insurance company. Because I refused to pay the escrow they put the mortgage payment in a suspense fund and will not apply it to the loan. And then they added late charges.
Consumer complaint received 2015-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (KS)

AFNI has put on my credit bureau for XXXX XXXX XXXX XXXX about owing {$450.00} which was settled XX/XX/XXXX and proof of this was sent to XXXX XXXX XXXX but it hit my credit report from this company as if it was done just XX/XX/XXXX. Which is not true. Also this company has called and left automated messages that have left my account number on my family 's answering machines with no company name or phone number to call back. no phone number comes up on caller id either. I have pulled my CBR and it shows that this company is not even reporting. I have placed disputes on my credit bureau for this company.
Consumer complaint received 2015-12-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (AL)

XXXX 2013 I purchased a vehicle from Drive Time in XXXX, Al & the sales manager insisted I had to purchase a 5 year warranty at {$2800.00} to be financed at the 22 % interest rate on top of car price. I was also told that if I made payments on time & showed perfect pay history after a period of time like a year that DT Credit would re-fi this loan at a lower interest rate. After 18 months of perfect pay history I called & I was told this was a LIE!!!!. ALso I was informed it is illegal to make warranty mandatory. It should be presented as optional. Now I have finally found better finance at 7 % interest & asked DT Credit /Finance for payoff MINUS the amount of pro-rated warranty. DTCredit has a company called XXXX admin the warranty. I faxed them the paperwork for canceling the warranty & they informed me {$1800.00} would be credited to loan. BUT THE PROBLEM IS THEY ( DT CREDIT, LLC ) WILL NOT DO THIS TILL XXXX XXXX. The amount this difference makes is perfect for my new finance co but not without the {$1800.00} deducted. AS of today I have no warranty But DT Credit refuses to subtract this from payoff for 3 weeks. THIS SHOULD BE ILLEGAL but at the very least poor customer service. After speaking with every clerk in the office who took turns calling themselves a supervisor I was hung up on & on hold an hour. I was told that they can not contact upper management nor transfer me to XXXX XXXX, the president, CFO, CEO. I can not get my new loan financed till they take off the {$1800.00} warranty that is now canceled as of XXXX XXXX WHY should I wait till XXXX XXXX to get the actual payoff & HAVE to make XXXX MORE PAYMENT to DTCredit. THIS SHOULD BE ILLEGAL
Consumer complaint received 2015-07-10
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: BlueChip Financial (CA)

I requested and received a {$400.00} payday loan from XXXX on XX/XX/XXXX. I lost my job on XX/XX/XXXX however I continued to make my payments of {$71.00}, twice per month as agreed because I could not do more to pay off the loan. I did notify them and they would not work with me to reduce interest or to stop interest charges. Although they did not argue that I could not make a payment XX/XX/XXXX, they are now charging me approximately {$130.00} per month with just a few dollars going toward the principal balance. I am still unemployed and not from a lack of diligently seeking employment. I have to borrow money to pay this loan! I have asked XXXX to work with me but they will not. To date, I have paid XXXX approximately {$630.00} and they told me that they would be charging me {$130.00} for another 8 months or so!
Consumer complaint received 2016-10-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: COMMERCE BANK (KS)

I had an account opened a XXXX Credit Card ( I believe, it may have been a debit card ) at Commerce Bank, without ever asking for it, similar to those who had accounts opened at XXXX XXXX. This card was offered to me every time I went into the branches, so I know it 's something they were pushing. Without anyone reporting this, we 'll never know if this was one person 's mistake, or a bigger issue, so I want to report it.
Consumer complaint received 2015-06-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (UT)

I paid off my financed vehicle early (ahead of the loan maturity date) at full non-discounted price, and still not have received my title after a month has passed. I need the title desperately, so I can re-register it in my new state as I recently moved (and my old state registration has lapsed). After 20 Business days and counting, I just learned they (DriveTime) only now released their lien and requested a new title yesterday with the old state I had lived. I am advised this can be a few more weeks before I receive my title which will be multiple months after I paid in full? This is ridiculous mishandling of the closing process especially since I requested it to be expedited.
Consumer complaint received 2016-07-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

I closed on a home with a VA loan on XXXX XXXX, 2016. My first mortgage payment was due XXXX XXXX, 2016. I paid my mortgage and extra principal early with a check date of XXXX/XXXX/16. The check was cashed by XXXX XXXX on XXXX/XXXX/16. During the time period from XXXX/XXXX/16 to XXXX/XXXX/16 XXXX sold my mortgage to Ditech. Ditech gave me credit for my payment on XXXX/XXXX/16 and not the original date when the check was cashed. I sent in proof information ( bank statement, copy of the check, etc ) through a link Ditech provided to make Ditech give me credit on the date the check was cashed. However, Ditech said I never sent in the information and said that they would not backdate my payment. I paid my mortgage amount of {$1000.00} plus another {$1000.00} for extra principal. I am XXXX years old and have amortized out paying my mortgage in 10 years. So it is important to me that I get credit for the correct date my check was cashed.
Consumer complaint received 2016-06-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ditech Financial LLC (FL)

Received " robo call '' stating to call " DITECH, A DEBIT COLLECTION AGENCY '' gave me a # to call ... called the # given, " non-working # '' Called # on my caller ID. Phone answered, I asked whom I was speaking w/ & the name of the company. Female on line said " I will not give you any information ... We are trying to contact XXXX or XXXX '', I stated that I was neither of those XXXX. told '' I would be removed from system '' have had similar calls in past stating that I would be removed, only not to be removed. Call I received call from was XXXX.
Consumer complaint received 2015-04-21
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (NC)

My son acquired a student loan but was unable to finish school. ( attended XXXX out of the XXXX months ) The school collected the entire amount of the loan. He defaulted on his loan and it fell back on me. I attempted to make payments but my wife was not working at the time and all of our bills fell on my shoulders. I contacted XXXX XXXX but they only lowered the monthly amount due by a few dollars. I contacted them again with no result. The loan grew to double the amount from XXXX up to XXXX. I 'm still on my own paying bills and can not afford the amount that they are garnishing from my wages every XXXX weeks. I have not received a raise in XXXX years. All of our medical, dental, vision, homeowners and automotive insurance is taken out of my pay. Water, electric, gas etc is also what I pay each month.
Consumer complaint received 2016-09-19
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (TX)

I received a Pre-Paid Citi Card ( debit XXXX ) due to a large purchase of a XXXX dishwasher. 

The card was a {$200.00} pre-paid card. I assumed that I could only charge {$200.00} and that would deplete the card to zero. Any additional amount that takes me beyond the {$200.00} limit should be declined. 

However, that is not the case apparently. These pre-paid cards are being sold as a " pre-paid '' card, when in fact you can go negative on your balance. Essentially charging more than the limit you are given. Citi-Prepaid says that this happens if there is a charge pending and another charge hits while the other XXXX is pending. Irrelevant in my opinion. This is fraudulent and should NOT be allowed to happen. 

I had to speak to XXXX different people with XXXX different companies to try to resolve this - Citi Prepaid Customer Support and the " corporate office '' that they transferred me to. I was transferred back and forth, disconnected 3 times, and spoke with XXXX different supervisors. No one could resolve my issue. I have a NEGATIVE balance on my card of {$16.00}. Consumers should be protected from this type of activity. 

This is actually a scam being run my credit card companies and should be stopped.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Other fee — 
Company: Paypal Holdings, Inc (WA)

I have a XXXX account. I used it online to transfer {$1300.00} to a friend. XXXX advertises that transactions between friends are free. There was no notification of a fee at the time I transferred the money. I was charged {$40.00} for the transaction. I called customer service and they refused to refund the fee saying that my " funding source '' ( my credit union ) was temporarily unavailable due to security issues. They refused to tell what the security issue was. XXXX made the charge to my Paypal credit card, which I NEVER authorized, and then charged the fee.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (GA)

XXXX and Citibank opened an account for the XXXX by Citi without my consent. They transitioned the balance from my XXXX XXXX card to that account without approval. I never received a card or a bill for the account. Then they began charging me with late fees and interest. I have contacted them and requested they credit all late fees and interest. They have agreed to credit XXXX charges but would not credit the remaining {$75.00} in charges. I have paid the charges for any purchases I have made but not the late fees and interest.
Consumer complaint received 2016-06-16
Product: Prepaid card — Gift or merchant card
Issue: Adding money — 
Company: Paypal Holdings, Inc (TX)

Paypal is not allowing me to add money to my PayPal account, from a PayPal XXXX card I purchased. I have added funds from similar cards in the past. But this time, over several days of trying, I constantly get the following error code : - Sorry, the redemption of your XXXX XXXX card could not be completed at this time. Please try again, and if the problem is n't resolved, then call XXXX XXXX card customer service at XXXX. 
- My XXXX XXXX XXXX = XXXX XXXX I have called PayPal three times to fix this issue. Each time they are unable to.