davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-14
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: DFC Global Corp. (FL)

I applied for a payday loan on XX/XX/XXXX from The Check Cashing Store. The website said repeatedly that the money would go " right to my account. '' After the loan was approved, a message appeared on the site saying that the money would be in my account within 48 hours. I spoke with several people in the company and was told different answers each time. When I asked to have the loan cancelled, I was told that that was not possible because the loan was " in progress. '' When I spoke to XXXX in the " complaint department, '' I was told that someone from the payday loan dept would call me back within 1-3 business days. I did manage to reach her myself. She stated that the loan was not approved for 24 hours and then it was up to the bank to decide when to deposit the money. According to this information, it is not really the Check Cashing Store 's fault that the money is not in my account, it is the bank 's. Had I known any of this up front, I would have driven the short distance to the store and taken the money to the bank myself. It is 4 days since I was given the " loan '' and the money has not appeared. My bank account has accrued more than {$200.00} in overdraft fees at this point. The Check Cashing Store 's online description is a distortion of the facts. Consumers are not given vital information about the process in advance of the approval. In reviewing the documents I signed, I find no information detailing the delays. In fact, it states that my loan was funded on XX/XX/XXXX and that interest would start accruing on XX/XX/XXXX.
Consumer complaint received 2016-11-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (TX)

I purchased a car from XXXX XXXX in XXXX Texas. XXXX XXXX, 2014 I got behind on my payments, I am a college student, they repossessed the car. I paid to get the car out of repossession. I have been paying and am still paying on the car, however, no purchase or payments are showing on my credit report. It is like i am paying on a ghost car. When I called Drive Time/ Bridgecrest, they say they ca n't post the payments on my credit. I just found out about this when I went to go to purchase another car and the y ran my credit. The car is not on my credit report and now it is having repair issues.
Consumer complaint received 2015-09-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I paid all of my credit cards off in XXXX. I missed the change on my loan with Springleaf and paid {$860.00} of the {$860.00} balance. In XXXX, I received a bill for {$14.00} which I assumed was residual interest and paid that in full immediately. I 've now received a XXXX statement for {$0.00} to which they only replied they " believe '' that will close out my balance. I believe I have been charged interest on the interest balance. I did n't experience 2 months of residual payments with any other credit cards I paid off on the same day. 

If somehow correct ( which I ca n't imagine having to pay {$0.00} on a {$0.00} balance ), they are a ) using a financial calculation unique to them and b ) not clear in their disclosure of this practice. 

The agent with whom I spoke offered to write the {$0.00} balance off as " settled for less than owed '' which I refused of course. 

Thank you
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I first started with annual credit report website for copies of my credit report. I receive XXXX out of XXXX agency with no problem. Equifax stated online they can not find the report and need more information in hard copy. I email SOcial security card and bill with address as requested. Equifax send back same letter requesting the documents 3 more time with me sending them three more time. Last time I add the information to the certified mail, and letter ask XXXX they need any other information but with no response beside the same letter asking for the hard copies that I sent. 

I file a dispute online with them but no reply was provided after a month.
Consumer complaint received 2015-05-27
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Lien Enforcement Inc (CA)

My car was stolen in I believe it was XXXX. The towing agency did not notify me until 4 days after they towed the car to there garage. So when I talked to them on the XXXX day after the towing they told me it was {$150.00} a work day, plus $ XXXX mile to tow the vehicle. So in which case it was {$470.00} to get my car out that day. But that day was XXXX. Which is a national holiday. And the XXXX Said the cost would go up for those XXXX days XXXX and XXXX. Although they were XXXX national holidays which in law states it is illegal for them to work. So they told me another {$300.00} it was going to be to pick up the car. I had offered them to give them the title of the car and they did not take the offer. The car was worth {$2000.00}. They did n't want to take it. I do not understand any of this. I tried to work with them but they did not want to work with me. I am also on parole so I can not leave XXXX miles from my home or go out of the county. I am in XXXX XXXX XXXX. The only reason I go out is because of my work I did. So since I did not have my car I could not go to work and so forth I was fired. So I could not make enough money to pay the towing company for what was an outragerous debt. Of {$770.00} for 6 days of being in there garage. So now the result is they put a lien on my car and sold my car at an auctiom, and I now still owe them {$2100.00} which the maximum amount they told me was {$2000.00}.
Consumer complaint received 2016-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Special Financing Company, LLC (CA)

I bought a XXXX inch FROM XXXX FOR XXXX FOR WHICH they then tacked on an extra XXXX. I originally bought a laptop for which I had to return because it was the wrong one. he charged a markup on this device but did not return it when it was credited I ended up being billed XXXX for a XXXX tv originally purchased from XXXX XXXX through XXXX. Then special financing who bought the loan was taking payments from my check at work. I took them off because I was on XXXX since XX/XX/XXXX I was getting sick pay 15 hours per month and the got all of my sick pay money. So I requested the company take them off of direct pay. they then hit my bank about 6 times I ended up payment XXXX in nonsufficient funds fees the bank credited me back XXXX. The company then went to my XXXX card which I did not authorize they only had it when I used it to pay them before. They stated that I gave them a copy of this card when I took out the loan, this was lie because I did not have this card then. I was reissued a card 4 months after I took out the loan. so after I paid them XXXX and agreed to pay the rest of the money the following month. The went into my account and charged XXXX without my permission ( I thought certain types of payments were not subject to collection -- this was XXXX check from ca state XXXX ) I had been on XXXX since XX/XX/XXXX the job paid them all of my sick pay which I requested and when I ran out they could no longer pay them, they got desperate and they took money from wherever they could. After getting the XXXX from my XXXX they stated that they received an additional XXXX check from my job which means they received XXXX in XX/XX/XXXX. they billed me a final payment XXXX for the bill from XXXX. They were overpaid and they will not return my money I sent the bank the statement that I sent you because they stated I HAD TO PROVE THAT I DID NOT OWE THEM BEFORE THEY WOULD RETURN ANY MONEY. they gave me XXXX on my card but the company did not give me anything. I called today they stated that they sent it too the bank. I asked her two weeks ago why would you send my money to the bank when you received if from my job. The bank never received the money I never received it because they never sent it. I am of the opinion that since the bank paid me back half the XXXX they want to keep it all. See the attached statement where they billed me XXXX and they include XXXX as " other fees '' I do n't know what that is.
Consumer complaint received 2015-04-02
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (CA)

On XXXX XX/XX/2008, I entered an agreement with BMW Financial to lease a BMW XXXX series for a term of 3 years. My payments were roughly $ XXXX/month with a down payment of {$2500.00}. In XXXX of XX/XX/XXXX, I was laid off from my employer, and realized that the monthly payments were too high and decided to return the lease. I had XXXX potential sellers for the car in which BMW was unwilling to handle the sale of the car. I returned the lease to BMW in which the car was sold at the auction for {$24000.00} with a deficiency balance of {$8500.00}. To this day, I still do n't understand the point of BMW declining the sale of the lease car in which I provided potential sellers and selling the vehicle at the auction. It 's a win win situation for BMW, because they were able to capitalize off a consumer like me. Now that I am trying to buy my XXXX home, I have a derogatory account from BMW. The car was n't over mileage nor in any comestic damage when it was returned. BMW made it 's profit with the monthly payments and was able to sale the car without ease.
Consumer complaint received 2018-04-10
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. (GA)

I previously filed a complaint against Equifax and they say that they are reinvestigating info on my report and they are not. Hence the info attached that was provided to me by the company they are reporting differently than what the company is saying they should. XXXX does not have a balance and they updated my report today with a balance ( Equifax ) several of my accounts are showing a payment history and per my attorney in my bankruptcy they have no right to any longer report historical data and i have addressed this several times in my report the investigations are false and so are the reinvestigations and they need to remove these accounts from my report being that they have not done what they were suppose to do they have no right to report incorrect information on my report or information that I am protected against in my bankruptcy The proof attached shows you and them that they are not reinvestigating they see updating their records through info they previously obtained
Consumer complaint received 2016-07-22
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (TX)

I returned a XXXX leased BMW I-28 to the local dealership. They accepted the car back without any comment or inspection. Subsequently, we received an invoice from BMW financial for excess wear on a car that only had XXXX miles, XXXX miles BELOW the allotted mileage. When I called to determine what the charge was for, I was informed that the charge was due to the oil not being changed by the required XXXX miles. I argued the fact that the oil had in fact been changed at XXXX miles and was told that I would need to furnish a receipt to prove this and the charge would be removed. I provided the documentations ( twice ) and today was informed that charges would NOT be removed, because they NOW claimed a yellow service light was on. At the time the car was delivered back to BMW, the mileage was checked and no yellow light was evident. I would never have returned the car with a service light on. I feel strongly that is a total scam to obtain more money from lessees who are powerless to fight it. I therefore request that the CFPB investigate and have the charges removed. I was informed each time I called, that the calls were being recorded. If the initial call I made is checked you will clearly hear that I was told if I furnished the receipt for the oil change the charge would be removed. Also, I had to supply the proof twice as they claimed the first time that they did not receive it.
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (RI)

I entered into an agreement with discovercard several years ago whereby they would waive late fees and cut my interest rate if i got on a regular payment plan. I have been paying them XXXX every month for several years. Earlier this year I was not able to make a payment, subsequently we entered a new arangement whereby I would pay XXXX for a set period of time. Even though I paid the XXXX in XX/XX/XXXX and XX/XX/XXXX they said they charged off my account on XXXX/XXXX/2015. I have no access to it online nor will they send me statements. I am supposed to keep paying them and if I have questions call them on the phone. I was under the impression that revolving debt had to be delinquent XXXX consecutive days to be charged off. This is not the case. Please help. Thank you.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (WI)

I have had this card for years with Chase freedom. Always have paid on time. We have had a XXXX balance for a few months and put a camping reservation charge on. During sometime they switched my billing to paperless with out my approval. I did not receive my bill then received a late fee notice, also putting me in delinquent status. I called and they switched me back to mail billing and sent a bill. Also was told the fee would be reversed. We then payed more than half of what was owed, {$45.00} of {$76.00}. We payed this 2 days after receiving it. The next bill came in the mail the following month. They charged another late fee along with reversing the original fee. I called and they said we did n't pay the minimum payment. They said they could do anything about it. Even talked to the supervisor. I canceled this account on the spot! This can not be legal..
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

The mortgage company did not include a tax on my HUD statement at closing and now they want me to make the deficit up in my escrow account and increasing my monthly payment going forward. I never received any clarification on how or why this happened. Even after calling multiple times and speaking to multiple people in their company. When I call them they always deflect what happened and blames someone else. This deficit was brought to my attention three months after I closed on my house. I have spent countless hours on the phone with them. To date I still do not have a clear understanding on how or why this has happened.
Consumer complaint received 2016-04-28
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: DRS Financial LLC (PA)

I asked for a letter to be mailed to me. I do not want to keep receiving phone calls and I told them. They rudely told me they are not going to send me anything and that I should just pay the bill. Then they said they would remove my phone number from the call list. I do not believe they removed my number and I expect to hear from them again by phone.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARANTEED RATE INC. (IN)

In short.. our mortgage carrier failed to pay a bill from our escrow account that was submitted to them via email, which can be proven. Subsequently they force placed insurance that was almost 4x normal rates, despite having coverage through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have only refunded a portion of the money and will not resolve the issue. We have been trying to get it fixed since XXXX. I have tracked our correspondence and we have at least XXXX phone calls and XXXX emails trying to fix the issue and they will not provide an answer/solution. They keep stalling and are going to raise our mortgage to " catch up '' on escrow despite the fact that they owe us a refund. They have since failed to pay the bill again to our insurance and our policy was cancelled, even thought they have all necessary information to pay the bill and the money is in escrow. My insurance provider has also saved records of correspondence and they just can not be trusted with this escrow account nor to pay the bills on time. Cancelled policies cost me more money out of pocket to reinstate them to the amount of XXXX XXXX I can provide copies of phone records and emails upon request. There are several and attaching so many may cause an issue.
Consumer complaint received 2016-02-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Daniels Norelli Scully & Cecere, P.C. (NY)

I have been contacted by XXXX firms that claim I owe XXXX ( formerly XXXX XXXX ) {$1700.00} for a Sleepy 's purchase in XXXX XXXX. I had paid off other XXXX loans ( medical and other ) so when I was offered an account settlement I was most willing to pay the a lesser amount in two installments of {$350.00}. As agreed I did so and I do have the letter and subsequent payment documents. I was later contacted by a credit firm in XXXX, NY, XXXX, and explained the situation -- I had a solid explanation about the resolution. XXXX XXXX I was served by Daniels, Norelli Scully and Cerere. I explained the matter to their representative, XXXX XXXX asked me to fax the documents discussed to a " XXXX ''. I have the number and contact names. I wrote a followup on the cover to XXXX XXXX. I asked for a letter of confirmation. I did n't receive one, but was n't surprised. Not until this week did I hear from the Daniels firm. The paper work, a cover letter and an old letter " from XXXX '' were sent. It 's dated, insufficient work. A great problem for people is the insufficient, groundless information that causes firms like XXXX to join in without full knowledge of the matter. A firm like Daniels is just permitted to contact and harrass consumers without the proper paperwork. I remember seeing the issue on the XXXX XXXX. ... Something needs to be done. I 'd appreciate your assistance. I can easily provide documents. Thank you for your vigilance. XXXX XXXX.
Consumer complaint received 2015-04-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

Chase has a bonus code promotion for opening new accounts that they did not honour for a reason NOT stated in the Terms and Conditions. I set an appointment to make the process easy and be certain that there would be no complications but a day after opening the account, the sales representative phoned to say that they could not honour the code due to a charge off from 2001. This exception is NOT in the terms, nor was it brought to my attention before the sales rep. and manager setup the account. This is not acceptable and sounds like Chase will do anything to get direct deposit accounts without approving the bonus codes they send out in email blasts - after the fact. Again, I was told ahead of time that there would be no problem. I am XXXX and mobility is a major complication for me so I try to setup appointments ahead to avoid exactly this situation. Had they told me initially that the offer was conditional on prior accounts, I would have gone to a different bank to use their bonus code. He had plenty of time to call and let me know ahead of our scheduled appointment given that he had to go through all of my documents to have the account ready for my signature when I arrived.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I recently reviewed my credit report and notice several errors. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the information validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( never validated the allege debt ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with the county nor have they provided legit documents ). There are several unauthorized inquiries reported to the Credit Bureau. I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent Equifax a notice to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.
Consumer complaint received 2016-01-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I AM A XXXX THAT HAVE BEEN TAKE TAKEN ADVANTAGE OF THROUGH PREDATORY LENDING OVER THE YEARS, IN XX/XX/XXXX I REFINACE OUT OF MY VETERAN LOAN AND RECEIVE A RELEASE SEE EXH A RECEIVED MTG XXXX -EXH B RECEIVED MTG IN XX/XX/XXXX-EXH C ( ALLEDGED FOR XXXX, XXXX ) -EXH D NO ADDITIONAL CASH WAS GIVEN RECEVICED MTG FROM PARK NAT'L BANK FOR XXXX-EXH E ON OR ABOUT XX/XX/XXXX XXXX MORTGAGW WAS ASSIGNED TO U XXXX FOR XXXX ACCORDING TO THE RECORDS OF XXXX COUNTY RECORDER NO ASSIGMENT FROM XXXX TO SPS SEVERING IS RECORDED SPS CAN NOT OR WILL NOT COMPEL WITH A WET INK ASSIGNMENT, MORTGAGE OR NOTE STATING THAT THEY ARE THE MORTGAGE HOLDERS VARIOUS EMPLOYEE FROM SPS IS CALLING STATING THAT I OWE XXXX BALLON PAYMENT ACCORDING TO SPS STATEMENTS THEY CLAIM I OWE XXXX AT 10.850 INTEREST. 
I NEVER RECEIVED NOTICE OF AN ASSIGMENT FROM XXXX TO SPS AND SPS CAN NOT PROVE THEY ARE THE MORTGAGE HOLDER OR HAVE ANY INTEREST IN THE SAME I AM XXXXYRS OF AGE ON FIXED INCOME
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.