davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thrift Investment Corp. (MD)

Thrift Investment Corporation is reporting an alleged delinquent debt for a XX/XX/XXXX {$7000.00} auto loan with the payment terms as {$280.00} monthly for a period of XXXX XXXX. The alleged debt is reported by Thrift Investment Corporation as a delinquent debt in the amount of {$6600.00} on my XXXX consumer credit profile. The vehicle associated with this account was repossessed by Thrift Investment Corporation in XXXX, XXXX in the State of Maryland. The alleged payment history and alleged debt amount are believed to be both inaccurate. The alleged debt is believed to be uncollectible and unreportable to consumer reporting agencies because to date, XX/XX/XXXX, I have never received a notice from Thrift Investment Corporation informing me of the date of the sale of the repossessed vehicle, the amount the repossessed vehicle sold for, any applicable refund due me or deficiency balance owed regarding the sale of the repossessed vehicle, or any other pertinent information required by Maryland law. According to information provided in XXXX XXXX and XXXX vehicle history reports, the vehicle does not report as sold or registered after the XXXX, XXXX repossession. If the repossessed vehicle was not sold as required by law, I am not liable for this alleged debt.
Consumer complaint received 2021-12-12
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. (OH)

I am not an attorney nor a third party I am filing this complaint due to a previous complaint that was never addressed by the credit bureaus. I have filed a police report over the fraudulent account from XXXX XXXX XXXX # XXXX. Plus there was some information on my report that is inaccurate. I am in the process of starting my new business and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 605b, 623, 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute is listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have a copy of my ID and SS Card for verification purposes. 
Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX, OHXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OHXXXX
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2016-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: USA DISCOUNTERS LTD (GA)

I recently was attempting to lease an apartment when the property management discovered a judgement on my credit report for over $ XXXX from USA DIscounters. This account has been taken care of for over a year. I called them to get a letter stating it was taken care of and they told me they 'd have to check and see if they had one since it had been over a year. I also asked about the credit report and they proceeded to tell me that it was my responsibility to file a dispute with the bureau. They have handled their part. My experience with them has been nothing but a hassle since day one. I also noticed there was lawsuit against them. I am not in the military any longer, but am I able to get retributions from these illegal procedures and charges.
Consumer complaint received 2022-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

I submitted my annual recertification for XXXX in XXXX of this year. The certification is handled by the government at student loan dot gov. This year, they have not submitted the certification to all of my federal student loan service provider and I have been paying twice the amount I should be paying for the past XXXX months. Ive tried to explain to student loan dot gov that I need them to submit the certification to Navient. Instead, they have told me that all Navient loans have been transferred to another service provider call XXXX. This can not be accurate, at least as of this date, because I continue to make payments to Navient and have never been notified by XXXX. Regardless, none of this is my fault and I shouldnt have to sort through the various transfers and processes these companies perform. Moreover, I should be better assisted by the Dept of Education as they have taken the responsibility of notifying my servicers of my application and recertification. Instead, they keep telling me to contact Navient or XXXX to discuss why my payment is too high. Dept of Education ( on this date XXXX ) can not every grasp the issue that I need for them to send my application to Navient. They are relying on bad information and if this is happening to me, you can bet this is happening to others. For whatever reason, Navient has retained my account in their servicer profile and the Dept of Education refuses to believe it. If, perhaps I am going to be serviced by XXXX, that is fine but their presumption is premature and has continued to cause me to pay XXXX per month rather than XXXX. Its an insurmountable amount of money and I have been so confused these last few months that I have even considered taking our a personal loan to pay off other debt since I cant afford to pay my other bills right now. I have had to ask my husband for money to help me pay my bills these past 4 months. This has real life consequences for people.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (CA)

I signed up for a JcPenney credit card because they claimed to give you 25 % off your first purchase. I received my bill and did not receive 25 % off so i called and spoke to a supervisor, she processed a ticket, and said i will find out the status in a couple of days. I still have not received a discount for my first purchase. This was false and deceptive advertising.
Consumer complaint received 2017-01-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (CA)

Mercedes-Benz Financial will not provide a lien release. On XXXX XXXX I purchase a used vehicle from XXXX XXXX that had a lease balance of {$42000.00}. I got a loan from the XXXX XXXX XXXX XXXX for {$30000.00} and paid cash of {$12000.00}. The XXXX made their check payable to me and to XXXX XXXX, and we were instructed to endorse the back and forward it to Mercedes-Benz Financial along with my cashier 's check for {$12000.00}. Mercedes confirms receiving the funds, posting date XXXX XXXX, XXXX. 
My DMV registration is incomplete because I did n't get the lien release from XXXX XXXX Co. I contacted Mercedes-Benz on XXXX XXXX, XXXX, and was told that they did receive the payoff funds but it had not been applied to the Lease payoff, and that XXXX XXXX would receive the release in about a week. Today, XXXX XXXX, Mercedes-Benz Financial Services says that they applied the {$12000.00} check to XXXX XXXX account, but that they will be sending back the {$30000.00} check to XXXX XXXX in 30 days because the payee is n't correct. However, they accepted the funds and have had benefit of them since XXXX XXXX. Needless to say, I have begun making monthly payments on the XXXX XXXX XXXX. loan. Also, If they send the funds back to XXXX Fed now who knows where it will get applied. If it pays off my new auto loan, I may not be able to get a new loan with the same terms. I want Mercedes-Benz to keep the funds that they have acknowledged depositing and release the lien. Currently, this vehicle has a loan and a lease concurrently. Also, if they feel that there was a problem with the check from XXXX XXXX it should not take 90 days to decide this. If I would have know, I could have gone back to the Credit Union and asked them to change the payee.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-12-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (VA)

I have a high-yield saving account with Goldman Sachs Marcus Online Banking XXXX I was trying to use the funds on this account as the down payment for the purchase of an apartment. I initiated the wire transfer to the title company four times via phone call with customer services as they do not have physical offices, Marcus Bank 's personnel failed every time due to execution errors, e.g., transposing recipient 's account number and entering the incorrect beneficiary information without confirming with me. Each time, the funds had to be returned by the recipient 's bank as they can not reconcile the information. Without access to my own funds and so much time wasted waiting for the funds to kick back to my account, my house closing was in jeopardy and it was already two days after the supposed closing date. Despite numerous follow-up phone calls and escalations, Marcus Bank 's personnel showed a lack of training and professionalism, and they do not have any additional ways to fix the problem. I had to borrow emergency money from friends and family, and wire them from other banks. Conversely, other banks made such wire transfers ( with the exact same information I provided ) very easily and timely. 
Details of the four failed wire transfers initiated from Marcus : 1 ) XXXX, {$50000.00}, due to incorrect recipient account number ; 2 ) XX/XX/2021, {$20000.00}, wrong beneficiary information, 3 ) XX/XX/2021, {$50000.00}, Marcus cancelled the transaction without noticing me, 4 ) XX/XX/2021, {$50000.00}, wrong beneficiary information. 
Goldman Sachs Marcus Bank presented XXXX to provide consumers with normal financial services, lack of internal controls, and a pattern for making the same error by multiple personnel. As a consumer, this wasted lots of my personal time, limited my access to my own funds, made me have to borrow from other people, and most importantly almost costed me the opportunity to purchase my home.
Consumer complaint received 2021-12-12
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: JPMORGAN CHASE & CO. (OR)

On XX/XX/2021, a car repair company charged me for an estimate without advance notice, which is a violation of ORS 646A.482. 

I disputed this charge with Chase and explicitly cited the statute that shows the charge is illegal. 

After dragging it out for months, Chase upheld the charge without even addressing the reason for the dispute.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (CA)

XXXX XXXX XXXX, XXXX now XXXX XXXX XXXX, XXXX ( California Secretary of State Organization Control Identification Number XXXX ) has misrepresented facts pertaining to its business as a real estate purchaser when in fact it is a debt collector and purchaser of unsecured legacy assets that are intangible. 
XXXX alleged it purchased a Deed of Trust lien on real property on XX/XX/2014 from trustee XXXX XXXX XXXX XXXX XXXX acting under Deed of Trust number XXXX XXXX, however, the purported beneficiary OCWEN LOAN SERVICING , LLC has confirmed that the proceeds from the foreclosure sale was not received. Require XXXX XXXX XXXX, XXXX to produce proof of payment made to the trustee or other party. Provide a readable copy of the check both front and back ensuring the account numbers, names, dates are visible. 

Require XXXX XXXX XXXX, XXXX to describe the foreclosure sale it was involved in : 1 ) A non judicial foreclosure sale ; or 2 ) Judicial Foreclosure Sale. Respond in kind.
Consumer complaint received 2016-06-22
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation (UT)

Performant Recovery, Inc. contacted me at work via phone in XXXX 2016. I do not have any debt and believed it was a scam. 

Performant Recovery , Inc. then sent its first letter to my house dated on XXXX XXXX, 2016 ( with no outside post-marking ), received in mailbox XXXX XXXX, 2016 and disputed XXXX XXXX, 2016 via certified mailed. This is in violation of the Fair Debt Collection Practices Act because a " validation notice '' telling me what the debt was about was not sent within five days after first contact in XXXX 2016. 

I have received one of the two delivery receipts of my certified letters sent to Performant Recovery , Inc. with tracking information it was delivered and received on XXXX XXXX, 2016. Two additional dispute letters were sent XXXX XXXX, 2016 to different Performant Recovery, Inc. addresses. 

I have received correspondence dated XXXX XXXX, 2016 ( post-marked XXXX XXXX, 2016 ), received in mailbox XXXX XXXX, 2016, violating the Fair Debt Collection Practices Act because it is documentation looking like it is legal format of a court or lawsuit claimant. 

The social security number on the paperwork is not mine and the company is claiming they will garnish my wages ( again another violation without due process and court order ). 

Additionally, the address to send remittance is constantly changing on the correspondence.
Consumer complaint received 2021-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. ()

I have been locked out of my account and existing funds on said account since the middle of XXXX. 

Coinbase is saying my account is " under review '' but I have re-verified all of the information that they asked for identity verification purposes multiple times now. 

There are funds in the form of cryptocurrency on the account that I have been unable to convert, sell, withdraw, etc. 

I feel this is unjust and negligent on their part seeing as I put hard earned capital into my Coinbase account in good faith that I would be able to access it after the investment grows. That capital investment has since done good in a particular coin that they seem to have liquidity issues with, and now they're not letting me make any additional trades. 

I have opened up multiple tickets to try to expedite the " review process '' but the customer service is terrible and they keep sending me back an automated reply instead of actually answering my questions honestly. There is a total lack of transparency on their end. 

I believe they have a liquidity issue with a certain cryptocurrency and they are using " account review '' as an excuse to block me from trading ; because they reviewed my account history and see that I am only buying and holding the coin they're super short on. So much for a " free market ''.
Consumer complaint received 2022-11-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DOLLAR MUTUAL BANCORP (OH)

In XX/XX/2016 I purchased a home through Dollar Bank using the FHA program. During my home search I expressed wanting to purchase a multi-family property that would be owner-occupied. I was told by the banker that FHA changed it's rules and I could not purchase a multi-family home. I have come to learn that I, in fact, could have purchased a multi-family home using the FHA program, and I have been feeling cheated ( and redlined ) out of the home I truly wanted and would have been happy living in.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX I was notified regarding possible fraud charges to my account. I contacted Barclays that day via phone and confirmed that there were in fact fraudulent charges on my account. I specifically flagged XXXX charge for {$44.00} that came through looking like a fake XXXX charge. Normal temporary XXXX charges show up as follows XXXX XXXX. This charge showed up as XXXX. I told the representative it was fraud on XX/XX/XXXX and she was negligent in flagging it. Therefore the charge went through to my account and I had to make XXXX additional calls only to be told to contact XXXX. That is not possible for a transaction that does not exist in my account. I provided a screenshot of what the charge looked like on XX/XX/XXXX. I also sent screenshots of my XXXX account - showing no such charge exists. I received a letter on XX/XX/XXXX saying that, after further review, they were not able to assist me in obtaining a credit to my account due to the following we were not provided the true nature of the dispute when first notified of the claim. This is 100 % untrue. I have been very clear from the beginning. I have had a credit card account with them XXXX and their customer service is getting worse and worse as well as their ability to stop fraudulent charges in the first place.
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I have a 15 year mortgage in which Rocket Mortgage is the servicer. The loan is escrowed and hazard insurance is paid by the servicer. 

Rocket has sent me the following letters which they have indicated they intend to charge me a fee of {$100.00} for lack of coverage : - XXXX XXXX Lapse Second Letter - XXXX  : dated XX/XX/XXXX - Lapse Coverage Cancelled & Lapse Charge Due Letter - XXXX XXXX dated XX/XX/XXXX In Response, I reached out to insurance provider ( XXXX XXXX ), received evidence of coverage, and loaded to Rocket Mortgage Portal on XXXX XXXX. 

I have since reached out to Rocket Mortgage on several occasions to check to see if resolved via email, chat and phone. I have been unsuccessful in getting Rocket Mortgage to acknowledge or worth with Insurance Provider to resolve.
Consumer complaint received 2016-09-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (OR)

I have to work XXXX hrs/week to afford my monthly bill of {$550.00}. PLEASE allow me to go on an income-based repayment plan. I can not afford this rate, and can not XXXX endure working XXXX hrs/week any longer. I am happy to pay for my education and the loans I took out, but with XXXX college degrees and working XXXX hrs/week with otherwise good credit, this is absurd. PLEASE help me. PLEASE lower my monthly payments.
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (IL)

This letter is in response to your recent claim that EQUIFAX verified the accounts they are reporting are accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please have the company provide the following : o The description of the procedure used to determine the accuracy and completeness of the information. 
o The name, address, and telephone number of each person contacted regarding this alleged account. 
o A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with their method of verification. 
The items in question are inaccurate and represent a very serious reporting error. They are listed below. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 


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

XXXX # XXXX, XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.