davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

I have a loan with  Kia Motor Finance. I  recently moved to Florida. In Florida, I need the title company needs to receive the title in order to process my new registration. I have requested it twice, most recently on  XXXX   XXXX . I have had the title tag agency fax it to the number provided by  Kia. I  have confirmed that the fax went through to the proper number provided by  Kia. N either time I have submitted the form to provide my title information has it been sent to the title agency. According to Kia, the form has not been received  ( althoug h I have proof it has been received by tem.     I should not be held responsible for Kia losing my information as it is not my fault. I have been trying hard to get this accomplished and I am probably now in violation of Florida law for not registering my car in the proper amount of time. I do n't know what to do at this point. Please help me.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AL)

I was contacted several times by XXXX XXXX XXXX about a credit card debt. They repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not provide them with my current telephone number and do n't know how they retrieved it. They are harassing me to take me to court or other legal action if I do not pay them. The balance they are claiming I owe is {$930.00} for a Amazon credit card. The initial credit amount was {$600.00} and they are charging me extra. I called and spoke with someone on Monday XX/XX/XXXX. I tried to setup a payment arrangement for the {$600.00} but they would not remove the extra charges. I was only given an option to pay the balance in 2 payments and nothing else or I would be sued. They also sent a letter to an address I did n't provide them with. It is not even someone I 'm related to where they sent the letter.
Consumer complaint received 2017-04-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (GA)

When I took out the loan with Big Picture Loans for XXXX dollars they said the finance would be XXXX dollars. I then said okay but received papers for repayment until XXXX XXXX, 2017 totaling XXXX .I did not receive this until after payment. I would have never agreed with this outrageous interest. XXXX was taken out every two weeks. I have already paid over the amount.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Navient Solutions, LLC. (GA)

My student loans were NEVER late, and yet they are showing up as late on my credit report. I finished college in XX/XX/2012 and within the six months after my completion date my loans were sold from Sallie Mae to the DOE. Ive contact Sallie Mae several times about their reporting error and they 've assured me on each of those occasions that the reporting error will be adjusted according and yet, here we are 7 years later and its still showing up and ( 9 ) payments late on my credit report on XXXX different Sallie Mae accounts. I need this information corrected and since Sallie Mae continues to string me along Ive decided to file a formal complaint with CFPB.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Experian is refusing to investigate inaccurate items on my credit report. There are a total of XXXX XXXX accounts on my credit report that were included in my bankruptcy that was filed XX/XX/XXXX and discharged on XX/XX/XXXX. These accounts are being reported at 120 days late, transferred/closed, when they should be listed as included/discharged in bankruptcy. Experian would not allow me to dispute these items stating that they were previously disputed ; however, this account was never disputed as being included in my bankruptcy. This entitles me to dispute a new request with new information under the Fair Credit Reporting Act. Also, Experian would not allow me to dispute a XX/XX/XXXX tax lien in the amount of {$1000.00} that was also included in my bankruptcy and updated in public records.
Consumer complaint received 2017-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc. (AZ)

I only became aware of this debt by looking at my credit report. When I contactacted the Thomas Agency they informed me the debt was from XXXX whith whom I have never personally done business with. The Address they had on file fo rthe debt is an address in Florida which I have never lived or resided at. When I contacted XXXX the original creditor they informed me that the debt was a debt owed by a former employer of mine ( XXXX XXXX XXXX ) and that my previous boss had put me as the person of contact for the account. I do not understand how my boss putting me as the point of contact binds me to this debt.
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

After my loan defaulted, and it went into defaulted payments it was n't explained as well when Navient took over my loan again they put additionally interest rate, making again my payments higher than able to afford, almost wanting me to default again. Additionally I made a payment to the department of education, and it was n't given notice notice Navient had taken it over, so I called explaining I had made this payment already to the department of education Navient representatives told me all I had to do was show proof I made the payment and Navient would take care of this I was told this 3x I provided proof from my bank and now they are telling me I have to recover the payment from the department of education. Now I still have a late payment and it appears again they want me to default.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Paragon Home Loans, Inc (NY)

We closed on a house XX/XX/2017 ; however seller ( home flipper ) did not pay any taxes on the property but at closing used part of his proceeds to pay off all taxes including penalties. On our statement of sale that I signed our bank, Paragon Loans has it filled out that the seller paid {$220.00} in taxes so we reimbursed seller for that in closing costs but they forgot to put in the amount of property taxes that were to be paid at the closing with buyers money. So after we 've signed off and everyone has received money. Two days later my attorney tells me that we owe the seller approx. {$1500.00} to the sellers to reimburse them their part of property taxes XX/XX/XXXX-XX/XX/2017. Paragon loans typed up all this information based off of what the sellers had submitted and should have been reviewed by attorneys and banks for all parties involved.These documents were not made available to my husband or I until we were at the closing and were not explained to us nor did we have a representative from Paragon Loans at the closing. Not sure if Paragon Loans is at fault for not realizing that seller was n't paying the property taxes until closing so it needed to be configured into my closing costs or if seller XXXX is at fault for not making that clear.
Consumer complaint received 2017-04-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

I have been receiving calls from the ERC debt collection agency for a person named XXXX XXXX. There is no person by the name that lives here- no one by that name on any of the bills or mortgage associated with my address- or by that name in my family. I have told the debt collector that and have been told they would mark my phone number as invalid. They lied because they have continued to harass me.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

There is a Public record that is not mine on my credit file. I have reached out to the company a number of times to try to get them to resolve this issue with no resolve. This is causing me anguish and not allowing to move forward with my life and is affecting my credit score in a negative manner. I want this issue handled and the file deleted immediately.
Consumer complaint received 2017-04-11
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: BlueChip Financial (CA)

Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally stressed me out the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have very directly requested an investigation to determine if I am a victim of Identity Theft or bank fraud. After not receiving proper verification as is required by Experian under Section 609 of the FCRA Experian is now in direct violation of the law. Federal law very clearly states that Experian is to provide " physical inspection of documentation '' when requested by consumer. Experian has not done this and must delete XXXX XXXX from my report as it clearly is not mine and unverifiable upon request.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

Dispute with Equifax with no results. Company illegal re-aged debt and provide incorrect information on credit report in direct violation of FCRA 623 ( 5 ) ( A ). Account dispute in Question : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX This account has been removed from other credit reporting agencies due to this fact.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MS)

In XX/XX/XXXX I purchased a computer from Best Buy on a promotional balance of 12 months no interest for {$1300.00}. on XX/XX/XXXX I made a regular purchase of {$100.00}. On XX/XX/XXXX I made a regular purchase of XXXX and I made a return on XX/XX/XXXX for ( {$81.00} ). I made a regular purchase for {$120.00} on XX/XX/XXXX and on XX/XX/XXXX I made a regular purchase of {$37.00}. Beginning in XX/XX/XXXX I was making payments well above my minimum to pay off my promotional balance before it expired in XX/XX/XXXX. To be exact {$100.00} payments were made from XX/XX/XXXX-XX/XX/XXXX and in XX/XX/XXXX I paid {$25.00}. In XX/XX/XXXX {$510.00} in payments were made. In short, I paid {$1300.00} in payments from XX/XX/XXXX-XX/XX/XXXX and on my current statement they 've charged me {$260.00} in interest for my promotional balance and they are telling me that I still have a promotional balance of {$190.00}. They chose to appy the bulk of my payments to the regular purchases of {$290.00} instead of applying my payments to my promotional balance so it would be paid off before the expiration. When I called today to speak with customer service the agent told me that she would use the payments that I 've made in excess of the minimum payment and apply them towards the promotional balance and remove the interest charge. I asked for a supervisor and the supervisor told me that she would n't do that and I had to pay the {$190.00} promotional balance before XX/XX/XXXX or they would not remove the interest charges. I will NEVER use this card again! This is highway robbery! I am beyond frustated and angry.
Consumer complaint received 2017-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VA)

On XX/XX/2017, at XXXX EST, I called in to confirm my account information, Navient 's address and zip code so that I can start making payments again on my private loans. I got agent # XXXX on the line, who asked for my information as usual. I explained why I needed the requested information and requested that he confirm my account number and the address for Navient to send the payments. I was not mailing a check in, and as I stated to him on the phone, I needed the information to be able to pay the amount through my Bank 's bill pay service. The agent informed me about the balance, for which I would like to state has changed every time I speak to a representative. The amount went from {$1300.00}, to {$900.00} and as he stated, {$1000.00}. I have had numerous issues with Navient, and I explained this to him so that he can understand that I will not be using Navients service to pay the bill. the agent asked was I going to make a payment on that day, and I informed him that I was not able to provide him that information. I stated for the record that I did not and will not confirm an amount since I was only calling to get the billing information needed to be able to pay my bill. The agent got upset, and began to raise his voice and demand that I tell him an amount. He refused to provide me the information I was requesting and ignored the fact that I only called to get information. I asked him to give me the information or put someone on the line that will. He ignored me and continued to ask for an amount. I told him if he does n't provide the information, I will file a complaint. He then stated why do n't I tell them about the balance I owe on account for that matter. This man was very rude and extremely disrespectful and refused to give me the information. I had to disconnect the line and call back in to get the information I needed. I am concerned. Navient has already done things on my account that I did not authorize, and now I am dealing with agents that think its okay to speak to me however they please. I do not want someone like this to have access to my information.
Consumer complaint received 2017-04-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IA)

This is a very easy correction to Seterus mis applied payments. All they have to do, is apply my payments for principle and interest to the amortization table. Since all payments were made on a timely basis, this is a no brainer. 
I thinks Seterus knows they are wrong. I have received XXXX XXXX for XX/XX/2016 as they are trying to correct the misapplication of my payments. This means any tax returns previously filed require amendments. They are waving a red flag to the Internal Revenue Service that my taxes have been misfiled. This has to be deliberate At least by attempting to correct their records, they acknowledge late fees should never have been assessed. They need to tell the credit agencies that my payment record is timely and never late. 

These people ca n't apply a payment correctly, manufacture fake fees, mis report to credit agencies, pay fake bills and ca n't correct their mistakes. 

They are incompetent and should not be allowed in business
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that Equifax continues to report on my credit file : Bankruptcy Case ID # XXXX Equifax listed XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. 

I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. 

Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax 's so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. 
Thank you
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MN)

I initiated a re-investigation as is my legal right with Experian on information that they had failed to properly investigate. In direct violation of FCR A 611 ( 3 ) ( A ) - ( C ) [ 15 U.S.S. 1681i ], they determ ined the information as frivolous even though I had requested investigation of some different and very specific aspects of the records ( for example, due to their previous reply that they had not actually investigated the public record but instead simply went to another company to get information and not to the actual reporting body ) that was not presented when I previously disputed the information. Experian 's CONTINUED unwillingness to comply with my rights under the FCRA for information is causing me undue hardship, loss of opportunities for housing and is costing me actual monetary damages via higher interest rates, insurance rates and fees based on unverified and unvalidated information.     ADDITIONALLY, Experian has continually violated F CRA 606 ( 3 ) [ [ 15 U.S.C. 1681d ] in that  they have furnished an investigative consumer report containing a public record that has not been verified for accuracy of the information within a 30-day period ending on the date on which the report was furnished.     ADDITIONALLY, Experian has made applicable FCR A 616 ( a ) - ( d ) [ 15 U.S.C. 1681n ] Civil Liabality f or willful noncompliance. I am sharing the contents of this complaint with my attorney to decide on how to proceed to obtain damages from Experian unless this matter is satisfactorily resolved.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (MD)

In XX/XX/2017 I contacted XXXX concerning a new service. I was told that I owed on an old account from another city from a couple years back. They said that it was no record showing I turned the box in. I turned it in when I shut the service off. So I was told that I owed XXXX. No collection agency or no calls prior to this had been made to me and I did not receive any notices to my current address prior to my calling. I paid XXXX on XXXX and I paid the remaining balance of XXXX on XXXX. I have my bank statement to prove these transactions. I recently checked my credit reports and I found a collection agency on my report by the name of ENHANCED RECOVERY COMPANY representing XXXX. It was reported to them by XXXX on XXXX. I do n't understand what is going on with XXXX. I paid this debt in full and it is saying I owe {$88.00} for what? I believe that these charges are fabricated to get more money from me and to ruin my credit even more. I do not currently have an open account with XXXX. Please help me. Thank you in advance.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

I recently got denied credit from XXXX for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just XXXX.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (FL)

I was reported 90 days past due on my student loan, I have never been late. I never received a written communication letting me know there was an issue with my payment. I was under the impression that it is a requirement for the Student Loan Servicing companies to communicate in writing with the borrowers regarding their loans.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

Navient told me that I would qualifying for a federal forgiveness program. But when I got the paperwork completed with my employer and the federal government, I was denied. Navient NEVER provided a reason and after 2 years of trying to figure it out, I am now consolidating my loans to qualify for the program though that will be 2 years I could have put towards the federal forgiveness program.
Consumer complaint received 2017-04-11
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (FL)

Since XX/XX/2015 my Mortgage loan with US BANK is not being reported to Credit Bureau. I have contacted the bank several times to get this issue corrected but the bank is not reporting the loan after all this time. I do n't know what else to do?
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (UT)

JPMorgan Chase Bank , N.A . charged my checking account {$200.00} in overdraft fees ( XXXX {$34.00} fees ) during a two business day window where my account was overdrawn and funds I was wiring into the account had not cleared. These charges are excessive and unconscionable, and in two instances were several times the amount of the transaction that triggered the overdraft fee. The Chase representative, XXXX, refused to reverse the charges. 

XXXX cell : XXXX