davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BMW Financial Services NA, LLC (FL)

BMW financial has fraudently, illegally and intentionally reported erroneous information to XXXX. I contracted a lease agreement with BMW Financial in XXXX XXXX for amount of XXXX. The account number is XXXX When I disputed an error reported to XXXX Credit bureau , BMW Financial maliciously changed the contracted lease amount from XXXX To XXXX. Also BMW FINANCIAL keeps changing the Late date referencing a 30 day late so it can continue to reflect on my credit report. Ive included a correspondence showing what BMW reported to XXXX in XXXX and now XXXX BMW Financial is reporting a different contracted lease amount as well as a new XXXX date referencing when the payment was 30 days late. Im requesting BMW to report the lease amount of XXXX, XXXX that I contracted to and report truthfully that this 30 day late is more then 7 years old and needs to be deleted off my XXXX CREDIT REPORT. Dont let BMW financial get away with changing loan terms 7 years later. XXXX let XXXX XXXX get away with erroneous reporting well beyond legal statue limitations.
Consumer complaint received 2016-05-03
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

Prime Lending in XXXX Tx uses deceptive lending practices while over promising and never delivering. The company had our loan for almost three months before it became clear they were not capable of closing our loan. Originally Prime Lending was selected because they assured us they could close our loan without selling additional property. The Branch manger kept insisting he could close our loan if we could just hold on a little longer and would stop communicating with us for days on end. When another lender told us they could complete our loan and help us close on our house we requested our file to be withdrawn and transferred. The branch manager of Prime Lending decided to force a denial on our FHA loan before transferring the file even though a withdrawal was requested. The branch manager also called us twice while intoxicated, after hours, asking if we were mad at him and wanted to know why we were n't closing the next day ( despite the fact we had never heard from anyone we could close, which we could n't ). The unprofessional manner of the branch manager and the deceitful bait and switch tactics of Prime Lending ensure that I will never go back to them for another financial product and will make sure anyone I meet knows just how terrible and incompetent their service is.
Consumer complaint received 2016-09-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

Synchrony bank has called my number XXXX plus times a day even on Sat and Sunday even after XXXX. When I answer I 'm either hung up on, placed on hold and if I start speaking I 'm disconnected. I have not been able to even speak to someone to say anything.
Consumer complaint received 2015-09-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Community Health Investment Company, LLC. (AL)

the debt i do not owe is on my credit reports for collections paid from papers i filed on site for XXXX want to remain unknown and anonymous and will not show addresses of their businesses for privacythe collection was created falsely after my social security number was on filei got the account information from the hospital staff
Consumer complaint received 2016-08-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (RI)

I took out a loan with Big Picture Loans and have them paying a little extra but it is n't coming off the principal it is staying the same. Plus my payment is suppose to be {$160.00} which my and they took out {$170.00}. Plus my loan application date changes every day. I only completed XXXX application and only received money XXXX time.
Consumer complaint received 2016-10-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL ()

-Recently, I noticed a decline in my credit score because of a derogatory account from a collection company called XXXX XXXX XXXX XXXX 
-After investigation, I found that XXXX XXXX bought a false debt from Synchrony bank without verifying the authenticity of that debt. 
- In order to extort me to pay this false debt, XXXX ruined my good credit history by sending invalid claims to the major credit reporting agencies.
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NJ)

On XX/XX/XXXX the vehicle was turned in. Hyundai XXXX XXXX stated they covered all excess wear and tear plus excess miles on vehicle. I was given a check of {$1000.00} to send to Hyundai motor finance. The check was received by them and the account was closed. However, XX/XX/XXXX I received a credit alert of a collection from Hyundai of {$480.00}. When speaking with them it states of excess miles. When Ive spoken with Hyundai customer service they keep stating its excess miles and the mathematics doesnt add up. Ive shown all the info to Hyundai of XXXX which they reviewed and stated the account was taken care of and there were no fees due to be paid. I have all the information of proof of the vehicle payments as well as vehicle inspection. Ive never received any letter or notice of owed payment in which Hyundai stated it probably got lost in the mail. How is it in 3 years Ive never received any notices or anything from Hyundai and all of a sudden this pops up. Ive leased two other vehicles from Hyundai since turning in this vehicle. Ive tried resolving this and I have not gotten any answers. Due to this issue it effected my credit score negatively in which its delaying my opportunity in trying to purchase my first home. I need help in resolving this as soon as possible.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (UT)

I have spent 39 hours on the phone on 21 different occasions with this company. They are reflecting 2 missed payments but can not tell me where they are. The only way I found out about this was when I pulled my credit report two years ago. Yes, I have been arguing this out with them for two years. They are telling me that they can not find any missed payments and sent me a printout of my account history that can only be deciphered by an accountant, which I am not. I sent them a " Qualified written request '' on XXXX XXXX, 2017. I received a letter back stating that they could not sent me the information requested because it was too broad. I am in tears at this point and need it to be taken care of.
Consumer complaint received 2015-09-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (IL)

AES refuses to assist me with a reasonable payment option for my ALPLN loan. I am not able to make the current amount ( it is an entire paycheck at my current wage ) and they simply state there is no other options. If the current situation continues it will cause great undue hardship upon me and my family. Take note that I have made timely payments since for years now. I sincerely asked that they provide me with any option and they stated I had used all my options. They offered to lower another loan amount ( only temporary of course and they make it sound like this option is there to help me of course its going to put a lot more money in their pocket ) but of course that would lead to paying a greater amount of interest on that loan leaving me worse off than I am currently. I want to repay my debt however they make it impossible, the interest rates are completely unaffordable. I soon as I feel like Im on top of this situation they pull the rug out! I have paid more than enough interest for them to tell me there is not an option is completely cutthroat on their part. If they truly cared about the consumer they would take into consideration the individuals income or help them by finding an interest rate that is affordable and profitable for the company. AES is taking away the future of the students it supposedly served to help obtain a solid financial future. The university I attended is XXXX University XXXX.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AR)

I have settled the tax lien with the state. I would like this negative report removed. My bankruptcy has been long discharged, I would like this negative report removed. Also I was laid off in 2012, in which I got behind on several of my accounts. Within a few months after that I gained employment and paid my debt, can that be removed from my report? Seeing I 've paid current accounts since then with none late. Thank you and have a great day.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

There was a XXXX XXXXXXXX credit card obtained under my name and social security number that I did not apply for, receive, or benefit from back in XXXX. I did not even know about it until I called due to seeing it on my credit in XXXX. Once I informed them that it was not my card, they forward me to portfolio recovery associates of which they told me I owed {$380.00}. I told them it was not my card and that my first card was a XXXX card that I received back in XXXX and after that I got my first real credit cards ( of which I still have and pay ) XXXX of XXXX. They told me they would put it in dispute. I asked for a copy of the bill I received 4 months later only after the continued to call I continued to dispute and request. Once I got the bill they asked me to forward the documentation which is a form I had to fill out and send back to them of which I did in XXXX. They even told me to send a email ( I did twice ) to their dispute department stating it was not my card and it is creating a hardship on me. I have disputed this at least XXXX times. They call every 2 months and I dispute. They told me the reason the believe it is my account is because who ever obtained the card used my social security number to get it and they paid on the card a a couple of times. They keep asking me to file reports and feel out paperwork of which I have done. I live in a who different state from which it started now they want me to go to the local police off again and do it again but this time they told me to contact CFPB as well.
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you  signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Collection Service Center, Inc. (FL)

I have to collection from XXXX from XX/XX/XXXX, I have no history of medical bill, since I had my last baby on XX/XX/XXXX and was all cover by XXXX. 
I moved from XXXX to XXXX, I cant verify who sent this bills and why now show in my credit report, I only get a credit for the past XXXX months. Thank you
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (MN)

On XX/XX/2016 my balance was incorrect. My online account show the following : Last Statement Balance : {$910.00} Recent Transactions : {$130.00} Recent Payments and Credits : - {$40.00} Current Balance : {$1000.00} That math can not be correct and Discover needs to credit my account {$21.00}. 
Thanks
Consumer complaint received 2019-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX charged my Capital One credit card {$3600.00} for a vehicle that i did not receive or authorize on XX/XX/XXXX. I contacted Capital One and they gave me a temporary credit. they recharged my account in XX/XX/XXXX. I then called XXXX to further advise them that there had been a error and that i did not authorize or receive the vehicle listed on agreement. Furthermore XXXX stated that they would launch an investigation, however it is XX/XX/XXXX and i am yet to receive any sort of communication from XXXX and i am be charged over the limit and interest fees by Capital One.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TX)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/year>, XXXX XX/XX/year>, and XXXX XX/XX/year>. Also, this charge-off account shows a {$14000.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2019-02-27
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. (TX)

On XX/XX/2018 I logged into my account, looked at the ready to pay off this loan amount for online repayment, and chose the specify for each loan option and chose this loan to pay off the full balance of {$12000.00}. I went onto the account about a week later and noticed they distributed the payments between two loans and did not pay off the full balance of the one loan I specified. They applied {$3600.00} to this loan leaving me with almost a {$9000.00} on this consolidated subsidized loan and applied the remainder to the larger loan. This made it so my payments didnt decrease, I still have balances on both loans with a 6.25 % interest rate. The point of me paying it off was to decrease my debt and start to make a dent in my over {$80000.00} in student loan debt. When I called to complain they told me it was the department of education that redistributed the loan and that I couldnt do anything about it. I am never going to get these loans paid off if I cant take one loan at a time to pay off. These loans show two separate pay off amounts, I make two separate payments each month on them that get applied just fine. I wasnt behind on any of the payments and had made the payment for that month to the other loan already. They used my money how they wanted even though I specified where the money was to go and they had the option online to specify where the money is to go. Also, the full repayment amount for each loan is not showing as one lump sum, it is showing for each loan by itself. And although it let me specify which loan I paid at the time of each payment ( even standard monthly payments ), when you look at all the payments it doesnt specify which loan was chosen in the pending and past payment history. It is deceitful and completely unethical.
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (TX)

Debt has been in default with no payments made since XX/XX/XXXX. Company called me in XX/XX/XXXX threating to file lawsuit. I reside in Texas and the statue is limited to XXXX years. This item has been so old it had been removed from my credit report. Debt collector called from XXXX ( XXXX XXXX XXXX IL, XXXX
Consumer complaint received 2016-06-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied Collection Services, Inc. (Nevada) (NV)

I 'm dealing with Allied Collection Services over a medical debt from XXXX. Under threat of the debt being reported to the credit agencies, which could result in me losing my professional license and my ability to receive the business loan I need to start a business five years in the making, I agreed to start making monthly payments with the stipulation I not accept responsibility for the debt. I had been keeping track of the balance owed and called to reconcile my balance sheet at which time I learned {$2800.00} in collection fees and interest had been added to my account, more than three times the legal limit of XXXX + the prime rate of the largest Nevada bank. Allied claimed the creditor added it prior to sending it to collection, the creditor said they add on what Allied tells them to in order to cover the cost of hiring Allied to collect the debt. Over 45 days ago I asked both Allied and the original creditor for a copy of any payment agreement I signed agreeing to pay this amount of interest and fees. Allied said the original creditor would have it if something like that exists. The creditor says the payment agreement I signed is somewhere in storage and it would take two weeks before they MAY be able to retrieve it. I called again today, 47 days after the original request and they said they had n't gotten it yet and to give them another two or three weeks. Allied wants another payment immediately. XXXX XXXX, the rep for Allied said not making a payment will result in the credit agencies receiving the debt, my payment agreement becoming void, and a lawsuit filed against me for the balance. 
Also, as you can see on the documents I 've attached, most of the {$3500.00} I 've paid toward the debt has been put toward interest and fees instead of to the principal as mandated by Nevada statue XXXX
Consumer complaint received 2016-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Federal Adjustment Bureau, Inc. (OH)

Moved into an apartment XXXX week of XXXX 2015. There were numerous repair requests and unknown pests. After no results, I filed rent escrow XXXX 2015 but the management attorney promptly cancelled the hearing and filed a form to release the rent my door was tagged daily with Notice to Move and notes that the contractors would be in the apartment to clean and rerent. 
I could not afford to move so soon and was in a lease so i emailed to stay and pay XXXX rent. I received an email that " they are not accepting any more rent from me. '' So to keep the contractors at bay and to prevent my belongings from being discarded while i was at work i began leaving notes on my door that i still lived there and do not enter. 
I obtained moving and storage quotes from XXXX and emailed these quotes to the office in hopes that they would n't discard my belongings as they threatend. 
I was able to find an apartment and a moving company XXXX XXXX, cleaned the apartment and took pictures and I promptly emailed the company my forwarding address and after a few months I assumed the apartment management kept my deposit and i had a zero balance. 
7 months later i get a {$950.00} bill from a collection company stating that i owed XXXX for past rent and utilites, administration charges and other nonsense. They have listed that i owe for XXXX rent and late rent fee ( which was paid on time and they retrieved from XXXX XXXX XXXX XXXX. 
Also they have listed i owe XXXX rent which they refused to accept from me on XXXX XXXX. ) They are billing me for billing me for electric and water, and I have been requesting copies of these bills for over 2 months. 
I have emailed and made several calls to FABCO, the collection company. I am requesting copies of these utilities because i was responsible for my own utilites and they did not supply or bill for electricity. 
I had my own electric service XXXX which i transferred to my new apartment. The water was paid monthly and was approx. {$20.00} a month. 

I assumed my deposit was used for the 6 days i was there as i dropped the keys off on XXXX XXXX. 

It is a shame that an apartment complex can treat someone so horribly because they expected apartment repairs. The daily posting of Notices that contractors would be doing a cleanout of my apartment and tagging my door with eviction notices and threats that 's contractors would be in the apartment cleaning it out were especially cruel since i still lived there and was not behind in rent.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (LA)

I recently disputed a collection account on my credit reports from a agency by the name of G C Services on behalf of XXXX XXXX. According to the collection agency they " verified '' with their client that the account is in fact my account using my name and address. They also enclosed documents to prove this. Upon the reviewing of these documents it is clear that this is not my signature, nor is it my name signed on these documents also I have never resided at the address listed on the account. This further proves that this is not my account. I would like these documents to be reviewed and this account that is falsely reporting negative information on all XXXX of my credit reports removed immediately. I would also like this account to be blocked from reinsertion due to the fact that it is hindering me from obtaining positive credit lines.
Consumer complaint received 2016-10-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc. (NY)

Lender is not licensed to do business in the State of New York as required by New York Banking Law Article IX and is charging interest and other fees not permitted under N.Y. Banking Law Article IX and is attempting to use a XXXX in an attempt to give its loans an appearance of legitimacy.