davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (IL)

On XXXX XXXX, XXXX, My truck XXXX XXXX XXXX XXXX XXXX was wrongfully repossessed by GM Financial. I was in a Chapter XXXX bankruptcy and I entered into an agreement with GM Financial which stated on page XXXX ( please see attachment ) of the court order if I am past due XXXX payments, GM Financial is to send me a correspondence giving me 14 days to cure the default or the vehicle would be repossessed. I received a call from GM Financial on Saturday XXXX XXXX, XXXX but since I was at a church event, I could not answer the call nor did the person leave a voicemail. I never received notification from GM Financial stating the payment was past due. I received notification the day the truck was repossessed from the court stating there was a motion to repossess to truck. The truck was already gone by the time I received this letter. Since this incident, I filed a lawsuit against GM Financial. During the last court date on XXXX XXXX, XXXX, the judge dismissed the case stating it was out of his jurisdiction because the court order was from Bankruptcy court and I would need to handle matters there. GM Financial 's attorney, XXXX? ( Her last name was not visible on the court order ) immediately started lying to the judge before he dismissed the case. She was also irate and confrontational because I decided to file a lawsuit in XXXX, almost 6 months after the repossession. She lied about the truck being sold by GM Financial after my bankruptcy was dismissed. The truth is I never received I never received notification from GM Financial about a past due payment prior to the repossession as agreed in the approved court order, the truck was sold on XXXX/XXXX/XXXX, and my bankruptcy was dismissed on XXXX XXXX, XXXX. I was n't clear if she was trying to say there was a statute of limitations in regards to a case such as this but GM Financial was wrong and took advantage of my situation. On the day the truck was repossessed I called GM Financial and spoke with several representatives who confirmed no letter was sent advising of the past due payment. Also, I planned to pay on that day because I was paid on that day but decided to leave GM Financial and not do business with them anymore.
Consumer complaint received 2016-11-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC. (VA)

We purchased our new home in XXXX 2015. We later found out, almost 1.5 years later, that our home resides in a special tax assessment area called the XXXX XXXX XXXX XXXX XXXX ( XXXX for short ). This XXXX carries with it special tax burden that was not explained to us nor was it disclosed in the residential mortgage loan application, the purchase contract, the deed of trust, the truth-in-lending form, the good faith estimate, or any other legal document that such a property tax should have been disclosed in. The tax ultimately amounts to approximately {$53000.00} over the life of our 30-year mortgage, and the yearly assessment is expected to go up 2 % each year until the entire amount is paid in full. Many residents have contacted various entities involved with disclosing this information, such as the developer, XXXX, the home builder XXXX, the settlement company ( a subsidiary of NVR Mortgage ) and we have been very disappointed with the responses from each individual party.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

CHEX Systems has not deleted the fraudulent XXXX credit card application and has not deleted the fraudulent address used for that which is XXXX, XXXX, CA XXXX. It is still on my file, NOT DONE. Letter from them was from the Consumer Relations dept which knows nothing about it, and said it was done, and gave me a phone number only for Consumer Relations., and on the next page all the fraudulent activity was still listed. Delete XXXX and delete this XXXX address and send me a clean copy by mail.
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

A tree fell on my mom 's home after a terrible storm early XXXX. The insurance company and the contractor responded very quickly and was able to get everything fixed within a month. The first payment from the insurance company, payable to my mom and Ditech was on XXXX XXXX. The check with all the supporting documents were sent to Ditech and receipt was confirmed. Ditech promised a XXXX10 days turnaround of 95 % of the check amount. We have NOT received any payment from Ditech. Many calls some of which I have recorded has yielded nothing but frustration. I advised them of the completion of the work on XXXX/XXXX/16 and an inspector was 'dispatched ' to call me. I have heard from no one. 
The last call to Ditech on XXXX/XXXX/2016 advised that no money will be sent until the final inspection. Which I was told was ordered on XXXX/XXXX/2016. We would certainly like all the funds released so that we can pay the contractor and the tree removal company and avoid any legal actions.
Consumer complaint received 2016-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (MO)

I noticed a debt from XXXX wireless on my credit report last year that 's in collections. I have repeatedly disputed this debt. I have informed them over and over this is n't my debt, that I have never had services with XXXX, nor lived at the address that 's tied to the account. In fact, I have never lived outside the state of Missouri in my whole life. Every time I disputed it, they sell it to someone else. It gets removed then put right back on my credit report.
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had a subscription to XXXX. The credit card on file expired over one year ago, yet a new charge for the subscription was placed on my credit card 13 months after the card on file with merchant had expired. I called my credit card company ( Capital One XXXX ) to dispute the charge and they said since I had a subscription then I had authorized the charge. After asking how a merchant was able to charge an expired card, Capital One admitted to giving the merchant my updated card information. My credit card company provided personal information ( new card number, expiration date, and security code ) directly to a merchant and which allowed the merchant to charge an expired card. I was neither notified from the merchant that my card on file had expired, nor was I notified of the agreement between merchant and credit card company to auto-update my card information, nor did I authorize my credit card company to give my information to the merchant. The credit card company finally relented and credited my account for the unauthorized charge and I have cancelled my subscription with the merchant.
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

A charge of {$520.00} from " XXXX '' was entered on my USAA Credit Card on XX/XX/2016. I attempted contact with the merchant and was unsuccessful. [ The 'merchant ' is listed on the url as " XXXX '' with which I have no affiliation, nor have I ever purchased or donated to them. The phone number associated with the 'merchant ' is : XXXX. Reverse Lookup shows it belongs to one XXXX, IL XXXX. I do not know this person ... In the meantime, on XX/XX/2016 I contacted USAA to dispute the charge. Though the charge was reversed, at that time, it reappeared on my XXXX statement. I contacted USAA again to dispute and was told that their investigation was 'unable to determine why you believe the transaction is not valid ' [ This in a letter which I subsequently received dated XX/XX/2016! Attached ] I contacted USAA again to dispute the charge on XX/XX/2016. They, in turn, XXXX a replacement credit card and again gave me 'temporary credit ' for the charge.They also agreed to have someone from their fraud department contact me, within 48 hours, to further discuss the issue. The phone call never happened, but I did notice in checking my statement balance on XX/XX/2016, online, that they had reapplied a credit of {$520.00} to my account. That was the THIRD time ... To my dismay, anger actually, I checked my statement balance online again on XX/XX/2016 and found that the charge was again on my account. 
I have contacted USAA on numerous times in attempts to resolve this issue and frankly do n't know where to turn from this point as those contacts have proven fruitless!
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

Caliber offered a permanent modification, it was signed, notarized and sent back on XXXX XXXX, 2016. On or about XXXX XXXX, 2016 the payment was increased by about {$150.00}. When Caliber was questioned about this on XXXX XXXX, 2016, the customer service representative said it was because of an escrow shortage. They also said that an analysis was done in early XXXX, so the analysis was requested and the rep said she would not send it out. She finally relented and said it would be sent out, but to this day the analysis has not been received. It was questioned as to why the shortage was not included in the monthly payment or the balloon payment, the final mod was offered XXXX XXXX, 2016, but when that question was posed, the rep abruptly ended the phone call. Now the payment has been decreased to the original modification monthly payment.
Consumer complaint received 2016-09-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Several years ago Union Bank of Ca switched my checking account from a standard account to one that required a {$10000.00} min and would pay interest. It also would charge me a higher fee if I did n't maintain the balance. I was never asked to switch accounts or contacted in any way. I just noticed the higher fees on my statement. I called and was told that a teller ( I recall XXXX ) in a branch in XXXX which I 'd never been to had made the change to my account after someone cashed my check at that branch. When I heard the XXXX story I realized this could have been a similar scam.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MEDCAH, Inc. (HI)

MEDCAH, collection agency serving  Hawaii  creditors, is trying to collect a  XXXX  dollar stating that I owe a   XXXX   XXXX   money. I have been to only one company for my   XXXX   and have statements that I paid them off.
email from my  XXXX  " Hi  XXXX  and  XXXX , You are all paid off from   XXXX   XXXX   XXXX   but I have no idea about the old company   XXXX   XXXX  .  XXXX  is in charge of those records so please contact them ASAP at  XXXX .   XXXX   if you have questions, please contact us ASAP.
 XXXX ,  XXXX  --   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX   Co-owner and Co-Founder of   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , HI  XXXX  Ph : (  XXXX  )  XXXX  Fax : (  XXXX  )   XXXX      XXXX   "
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (GA)

I was informed by Second Round LP that my alleged account with them was sold to   XXXX   XXXX   XXXX   even though Second Round 's claim against was dismissed in court. I have called and left several voice mails with   XXXX   XXXX   XXXX   to discuss this matter and no one answers the phone or returns my calls.   XXXX   XXXX   XXXX   does not have a working website to contact them via the internet either. I would like any intended actions against me or my credit by   XXXX   XXXX   XXXX   to be ceased immediately.
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Recovery Systems, Inc. (IN)

Capital Recovery Systems at Address : XXXX, OH XXXX Phone : ( XXXX ) XXXX has repeatedly tried to collect debt against me that is not mine. They have purchased parking tickets for a vehicle I have never owned. I have a similar name and live in the same town as the vehicle ( XXXX ). XX/XX/XXXX we cleared this up with them and they released us from this claim. Now they are sending letters to my parents home in XXXX that I have not lived in for 20 years. This is for the same debt that again is not ours. It is stressful on my spouse to have debt collections after us for debt that is not ours. Now they are interfering with the rest of my family.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (OH)

On XXXX, I received information from a friend that a coworker was selling a Off-road recreational vehicle. After messaging with the " seller '', we agreed upon a {$1800.00} refundable deposit via XXXX to hold the vehicle until my husband and I could go look at it. Within XXXX minutes, another co-worker informed us that the co-worker was hacked and she was not the person everyone was talking to... I reached out to the " seller '' and asked for my money back and they blocked me. I reached out to PNC bank and they stated that they could not stop a XXXX transaction but to call after XXXX hours and they would help me file a fraud claim with PNC. I also went directly to the local police station on XXXX and filed a police report. The next day ( XXXX ), I filed the fraud claim with PNC in XXXX XXXX. After three days, I received a denial from PNC stating that I authorized the XXXX payment and my claim was denied. I then went to PNC bank in XXXX XXXX and the bank manager assisted me in uploading documentation and file another fraud claim for me. On XX/XX/XXXX, I received a second letter stating PNC denied my fraud claim. I do not understand how this is not covered by PNC fraud insurance. They have the name and the phone number of the person who received the money through PNC XXXX banking app. and PNC stands behind XXXX as a verified company to transfer monies for their consumers.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

This letter is to inform you that Experian has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ; -  XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  - XXXX /  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  XXXX
Consumer complaint received 2016-07-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Home Equity Line of Credit account has a balance discrepancy that Bank of America refuses to take seriously. I filed a QWR for information in XX/XX/XXXX and have not received any response to my request. All communication is done over the phone now and I can not get any assistance because I keep getting retransferred all over.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted TRANSUNION bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave or if it was a problem with transuniion system error recently, I deal with a lot of foreigners so I 'm not sure if this is fraud or just a error with trans : I should only have   XXXX   KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX !!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED TRANSUNION AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX    XXXX   XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX  XX/XX/XXXX  THESE ARE NOT MINES AS AT ALL /NOR AM I AWARE OF ANY OF THIS, LAST YEARS REQUEST :  XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX
Consumer complaint received 2017-07-17
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. (AR)

On  XX/XX/XXXX  I began the repayment of my FFEL Stafford Subsidized Loan 's plus another FFEL Unsubsidized Loan. The repayment plan I selected was a Graduated Plan and at the time the loan was serviced by   XXXX   XXXX  . I was set up on auto-draft from my checking account to repay the {$15000.00} back with a term of 10 years. My payment began at  XXXX . The loan servicer 's name changed once or twice before 'landing ' as Navient. Now in order for my loan to work Navient should have increased my payment approximately every 24 months in order to meet the terms of the loan. From   XX/XX/XXXX   to  XX/XX/XXXX  I never missed a payment. In   XX/XX/XXXX  of l ast year I was contacted by Navient stating they did an audit of loans and discovered that in order to meet my loan repayment terms my monthly payment would need to increase to {$530.00} from the  XXXX  This was quite startling to me as you can imagine. I have many student loans and those from my  XXXX  education that are serviced by   XXXX   XXXX   XXXX   XXXX   XXXX   have only ever steadily increase every couple of years. I called Navient and asked why my payment was increased years earlier as the graduated repayment plan was designed to do and they admitted to a " system error ''. I must admit that I depend on the Loan Servicer to be the most knowledgeable about the loan terms and to ensure that what I signed up for is administered correctly. I tried to appeal this problem during   XX/XX/XXXX  &  XX/XX/XXXX   and was only offered the option to refinance my loan with new terms. My loan that I had just discovered was almost exactly the same amount after paying on it for 7 years as it was the day I began repayment through no fault really of my own. Truly I did not recall that this type of loan was only a 10 year repayment plan. I can find no paperwork outlining that. So that I would n't end up as 'defaulting ' on this loan I did end up refinancing it but instead of staying with Navient I had it transferred to   XXXX   XXXX   XXXX   XXXX   XXXX   in   XX/XX/XXXX      where I now pay approximately {$150.00} per month. However Navient collected $ 6000+ in payments from me with nearly all of it being applied to the interest only. Had my payments gradually increased as they should have I would most assuredly paid less in interest overall. Not to mention have the loan paid off as well. I never received any call, email, or snail mail that I can recall stating my payment needed to increase to avoid this financial waste and frustration. So even though they acknowledge it was a " system error '' they refuse to adjust the balance due on my loan to offset the miscalculated interest they collected. I filed a complaint with the AR State Attorney office and in their reply they additionally stated that since they are no longer the Loan Servicer that this is no longer their concern.
Consumer complaint received 2017-07-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (RI)

I Leased an   XXXX   XXXX   in   XXXX   and as per  XXXX  tax laws paid the tax upfront for the full term of the lease at the beginning of the lease at the  XXXX  tax rate. Move forward 2.3 years. I moved to   XXXX   XXXX    and informed Infiniti Finance of my move and new address. Within days my monthly payment went up by nearly {$30.00}. When i called them, they said it was sales tax for   XXXX   XXXX   which had to be paid in accordance with   XXXX   XXXX   taxation law for the remainder of the lease, i informed them that i had paid the tax upfront in  XXXX  at the beginning of the lease so why am i paying it again? They were very aggressive in outlining that i HAD to pay more tax in   XXXX   XXXX  . I then went to the   XXXX   XXXX     XXXX   to register the car and met a   XXXX    tax assessor as part of the   XXXX   XXXX   process of registration, i gave him all my details outlining the car was a lease taken out in  XXXX , he then gave me a tax-exempt certificate stating i had already paid tax on the vehicle in full in   XXXX   and that no tax was due in   XXXX   XXXX  . I then called Infiniti Finance and explained what the tax assessor in   XXXX   XXXX   had said but i dont think the lady believed me and again gave me the same response that i HAD to pay the tax in accordance with   XXXX   XXXX   tax law and that the   XXXX   XXXX   tax assessor at the  XXXX  did not know what he is talking about. I then sent a scanned copy of the tax-exempt certificate to Infiniti Finance. No one called me or emailed me. I then noticed when I logged into my account that my payment had been adjusted back to where it was before I moved to   XXXX   XXXX  . When I called Infiniti they said that I did not have to pay tax in   XXXX   XXXX   because it was paid in  XXXX  and that I was exempt as I had said. Infiniti Financial are a huge finance company, my worry is that they do not understand the tax laws between different states in the USA. They charge not knowing the requirements and the consumer unknowingly is paying a tax to Infiniti Finance twice that is not required and I also suspect that they will never see those tax dollars again. I certainly doubt that Infiniti will refund the money at their own will.