davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Auto Buyers Credit LLC (MI)

I purchased a vehicle from XXXX XXXX XXXX in XXXX, MI in XX/XX/XXXX. The finance company ABC Auto Finance was the company my car loan was through. At the time of purchase the sales representative informed me that I had to purchase the company 's Gap Insurance, so that the car would be covered if anything should happen. My car note was around {$600.00} per month. After calling ABC Auto for several months requesting that the car loan be added to my credit report they finally reported but only reported payments of {$480.00}. XXXX XXXX the car caught fire and was totaled the representative told me I had to pay a {$500.00} deductible ( which I did ) and the loan would be forgiven, I could purchase a new car. During my search for a new car the representative ( XXXX I think ) informed me that I could go to any dealership to purchase a vehicle. ABC NEVER stated that if I did not return to the same dealership or a dealership that ABC is affiliated with I would have to pay the balance of the car. I obtained a new car from a different dealership and just happened to check my credit report in XX/XX/XXXX and saw a loan amount for {$9100.00}. I called ABC they stated I had to pay the balance because the box was not checked on my loan agreement that I was pay for GAP insurance. That was false not only did XXXX XXXX XXXX and ABC auto say that I had to pay Gap Insurance from their company in order to obtain the truck I have my bank statement where I payed the {$500.00} deductible and the bank statement from where I paid around {$600.00} for my car note, while they were only reporting {$480.00}. The ABC auto rep. told me I could go to any dealership and my loan was forgiven. I even tried to work out an agreement with ABC auto just to have this loan removed from my credit report as quickly as possible the amount they were willing to work with was outrageous, when I do n't owe ABC at ALL. Please inform me what to do in order to dispute this loan.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX and XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing for my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with XXXX, Transunion and XXXX at least 5 times in 2016. I believe the XXXX, Transunion and XXXX Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid all these creditors. Also, I believe this credit bureau company is unfairly reporting old credit card data from creditors even after I settled and paid these debts. I just want the negative accounts removed from my report so my credit rating can improve. I want to move on with my life and find affordable housing for my family.
Consumer complaint received 2015-04-27
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (FL)

SOMEONE CLONED MY DEBIT CARD INCLUDING MY PIN # AND USED IT AT XXXX IN XXXX FL ON XXXX/XXXX/2015 FOR XXXX AND XXXX MIN LATER THEY CHARGE XXXX I FILED A POLICE REPORT WITH XXXX POLICE XXXX. CASE # XXXX BUT THEY TOLD ME THEY DID N'T HAVE ENOUGH PEOPLE TO REVIEW XXXX FILMS. REGIONS BANK IS RELUCTANT TO REFUND MY MONEY SO IN THE FUTURE I WILL NEVER USE PLASTIC AGAIN. GO TO XXXX AND SEARCH HOW TO CLONE A CARD AND LEARN HOW EASY IT IS.
Consumer complaint received 2017-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (IL)

I have student loan with Great Lakes. I have a monthly autopay that has been set up to pay the loan. I 'm currently in school and have loans disbursed, twice when a loan has been disbursed Great Lakes turns off my autopay without my direct authority to do so. This causes an increase in my interest payments over the life of the loan. Great Lakes should not have the authority to shut my autopay off, this only benefits them financially, not the student.
Consumer complaint received 2017-04-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

After entering the XXXX I was provided the benefit of the military student loan repayment program. The loan repayments would be spread across three years and the payments would only go to the principal of the loans. The first two payments in XX/XX/XXXX and XX/XX/XXXX were applied correctly. The final payment in XX/XX/XXXX was wrongly applied to both the principal and interest of the loans. After a year of arguing my issue I encountered an individual at Navient that worked to correct the wrongly applied payment. They correctly applied the third repayment amount all to principal, however, when they went back to reverse the wrong payment they reversed it all from principal instead of reversing the amounts from principal and interest, essentially taking us back to square one. I have called endlessly to have this issue corrected only to be told by Navient employees that it all looks right and it was applied properly. It was n't until early this year, XX/XX/XXXX, that I found a member of their military benefits department that was willing to take the time and listen to me. She said she could clearly see that something was wrong but that it was complicated and she would need to forward it to another department to look at the issue further. That all began to take place in XX/XX/XXXX. Three months later and I am still being told that it 's been forwarded to another department and another department but with no resolution.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: M&T BANK CORPORATION (MD)

I am filing this complain against M & T Bank which has filed a late payment with XXXX credit card bureaus. In 2013, My employee stole my credit card and used it. I was not aware of theft until I received a past due bill from M & T Bank for {$410.00}. I paid this bill as soon I realized that my credit card used by him. Despite many pleas to the bank to remove late payment from my credit, they have refused to do. It has been four years since this late occurrence, my credit has been damaged by one single late payment. Bank was sending minimum balance, however, I paid the entire balance. I will ask you to have bank remove this late payment. Because of late payment on my credit, i can not refinance my house or buy a car.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

My complaint relates to my loan servicer, Seterus , Inc . Since Seterus began servicing my loan, I have been extremely dissatisfied with their lack of customer service and inaccurate/incomplete reporting on the payment of my mortgage status to the credit reporting agencies. At this time, I am attempting to secure a refinance of my loan with another lender. However, the process has now dragged on for 6 months and the primary road block in the process has been the incomplete and inaccurate reporting on the payment status of my mortgage by the servicer, Seterus. Although it is now late in the month of XX/XX/XXXX, Seterus has not reported any information on the payment status of my loan since XX/XX/XXXX which happens to coincide with the first notice they were given that I intended to refinance the loan elsewhere by requesting a payoff quote. Additionally, the interest rate on my loan is set to increase 1 % on XX/XX/XXXX and Seterus has financial gain at stake by causing delays in information reporting on my loan to the credit reporting agencies. 

The lender that I am attempting to secure a refinanced loan with has received written transaction records of my mortgage payments for the past 12 months noting that they have been made on time ( within grace period ) and they are now pursuing a rapid rescore related to my payment history with the credit reporting agencies. However, this situation is ridiculous, unfair, and causing me to have to pay into a mortgage that is not aligned with my best financial interests as a consumer. 

In addition to what has been stated above, Seterus, Inc. negatively impacted my efforts to refinance by sending an inaccurate " Verification of Mortgage '' document on XX/XX/XXXX showing that my loan has been late 5 times in the past 12 months but they do not specify which months they are recording as late and they note my loan as " current ''! Furthermore, Seterus has not reported any late payments to the credit reporting agencies related to my loan since they began servicing it because it would be false reporting since I have been making my payments within the grace period of the due date for my loan while they have been servicing it.
Consumer complaint received 2016-05-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc. (FL)

a place called Ginny`s has been sending me bills saying I owe them over three hundred dollar. they say I ordered something and sent a bill, to be short. I notified the XXXX they produced some paperwork from Ginny`s, it showed were they added my email address after the fact. Wrong ss # and for sure wrong signature. after going back and forth I realized, they could only say bad things about them. can`t do nothing about the fact that they put it on my credit. all I have left in this word is my credit. I do n't want to have to go to jail because they think this is some kind of game or something, I told them if I have to pull a XXXX and sit my XXXX down on the bus then so be it. I`m trying to do the proper and right thing. I was a XXXX for 6 years this seems to me very simple
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

Bmo Harris let XXXX altered checks go through my checking account by pulling money from my money market. They shouldve allowed the XXXX checks to be cashed. The checks was stolen from my mailbox and the person altered the amount and endorsement the check to themselves. The check was cashed at a bank or currency exchange. The checks were cashed on XX/XX/XXXX and XXXX. Bmo took the money from my money market to cover charges. I have attached a picture of the police report number.
Consumer complaint received 2017-03-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The Bureaus, Inc. (OH)

In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified XXXX of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said XXXX would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.
Consumer complaint received 2017-04-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE (CA)

I had placed and order online with XXXX I used XXXX to pay to the purchasers I made. Now some items I received some items I returned and some items I did not receive period. I called XXXX went back and forth for about 8 months to get my refunds which until this day I 'm still being charged for by my credit card company after figuring out XXXX is stating they refunded me but not showing on statement I contacted my credit card company which is Barcalay 's filed disputes and it 's been a year and still I ca n't get them to take care of it and I 'm still being charged and I 'm still paying my monthly payments so wrong and unfair for stuff I did not even receive or returned and continue to have to pay..
Consumer complaint received 2016-03-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ALCHRO INC. (FL)

This is in reference to my complaint and disputed in submitted via CFPB in XXXX 2015 of which I have not yet had any response. The disputes complaint number is:XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and advised me what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago and I would like this matter addressed as it is causing great hardship to my life.
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Robert J. Colclough, III (CA)

On XX/XX/2020 The law offices of XXXX XXXX XXXX XXXX was trying to levy all of my bank accounts for the amount of {$8200.00} I don't have any knowledge of this debt and why they are tying to levy my account I want an end to this harassments from this company XXXX XXXX XXXX  Thank you
Consumer complaint received 2017-04-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (DE)

My VW Credit auto loan for my XXXX was paid in full as part of the VW diesel scandal buyback program. My car was turned into a dealership on XXXX XXXX. I was told to expect a refund in the amount of approximately {$450.00} XXXX ( the difference between the amount of the buyback and what I owed on the loan ). After not receiving the refund, I contacted VW on approximately XXXX. I learned the amount I would be refunded changed to approximately ~ {$200.00}. I questioned the amount, and was told by the agent that VW actually owed me a few dollars more than the initial check was written for. The agent told me a check for the additional amount would be issued. She also offered to reissue a check for the amount of the missing check, or I could wait a few more days. I opted to wait a few more days. At that time I informed VW that I had recently moved and provided my new address. Still having not received my refund, I called VW today XXXX. I spoke with XXXX different agents. All who told me I was owed different amounts ... ~ {$450.00}, XXXX {$400.00}, XXXX {$200.00} AND that they can not reissue the check because I have to wait 30 days. I 'm frustrated because they supposedly sent a check for the incorrect amount and I have to wait longer for them to reissue a check for the correct amount. I have no idea how long it will take to receive the new check once they reissue it because I ca n't seem to get a straight, consistent answer from VW. Given their reputation of taking advantage of consumers, I believe they should be working to improve their reputation not give us more of a run around. I wasted ~90 minutes of my time today attempting to get the money that is owed to me, or at least a consistent answer about the amount owed to me.
Consumer complaint received 2017-04-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (CO)

Lender was unable to explain how their APR ( Annual Percentage Rate ) was calculated on my new loan. The Lender 's website Help section does not provide this information so I contacted customer service. When speaking to two levels of customer service, agents did not completely understand what APR was ( and how it differed from the loan interest rate ) nor what calculation I was requesting. After approximately twenty minutes, I was ultimately told, " We are not qualified to give you that calculation '' and " We do not have that information and there is no one we know of here that would. ''
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (FL)

Received transfer balance offer from citicard/citi.com/XXXX, to transfer a balance. Prepared to make a payment and was told by their csr that any payment made will go towards the highest interest charge rather than the 0 % balance transfer. This, in my estimation, allows for credit card companies to continue applying payments as they choose (! ) and allows for the application of several months of accumulated interest that serves in the best interest of the credit card company rather than the consumer! This is absurd! I am to accept that a company that makes as much as citi bank can not offer to split payments? I have n't lost any money yet but it is a ridiculous policy that serves only to trap consumers.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with the fair Credit Report Act, This Creditors had violated my Rights under 15 USC 1681 section 602. 15 USC 1681 section 602 states the right to privacy 15 USC 1681 section 6049 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account or any account under and open on consumer credit plan as late for any purpose.

Furthermore acknowledge 15 USC 1681 C-2, 18 USC 1028 A, 15 USC 1681 B 92. 

XXXXXXXX XXXX  XXXX XXXX opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people committed multiple Consumer violations. 
XXXX XXXX XXXX XXXX opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people also violated multiple Consumer Laws. 
XXXX hard inquires by unauthorized Individuals a. Capital One Auto Finance, XX/XX/XXXX b. Capital One Auto Finance, XXXX XXXX, XXXX XXXX Capital One Auto Finance, XXXX XXXX, XXXX XXXX Capital One Auto Finance, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2022
Consumer complaint received 2020-04-21
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: EQUIFAX, INC. (NY)

Accounts for student loans have been consolidated and are current but they still appear on credit report as 120 days late. Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all show account closed due to transfer but are still appearing on the report causing significant negative implant to credit score.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (MA)

PayPal - I purchased a XXXX watch from a listing online via PayPal invoice for XXXX euro - shortly thereafter I realized that the seller was a complete fraud, and had sold the same watch to a dozen or so people. I filed a dispute with PayPal, as this is clearly covered under their buyer 's protection policy. They closed the case in favor of the seller several times, and after countless phone calls and emails trying to help a completely inept customer service department ( in what sounded like an XXXX country ) listen to logic and reason, I was running out of time to file a chargeback with my credit card company - which I did, and a majority of the funds were recovered without a problem. However, the remainder was paid by my PayPal balance ( which is unavoidable, if you have a balance, they use it ) - and I have now been told ( despite it being clearly covered in their policy, and having documentation they had no reason to dispute the chargeback ) that I have to reclaim the lost funds directly from the seller. Previous issues with PayPal have not been this awful, but at nearly every single step with this one, I have been given different reasoning behind their actions ( nothing consistent ) and nothing has been handled the way customer service should behave to a long time ( 15 year ) customer.
Consumer complaint received 2017-04-05
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was contacted by XXXX who advised that he was a processor hired to deliver a court summons. He was hired by XXXX and their number is XXXX. I contacted this company to request that they not contact me at work and they were not cooperative. I was also advised by this company that I was being charged with a felony for intent to defraud a financial institution. I once again asked that they not contact me at work and contact me on my cell. The representative ( man ) that I spoke with asked me if I was " XXXX ''. He would not provide me with any additional contact information for their company. I disconnected the line due to the verbal abuse. My summons number according to this company is XXXX.
Consumer complaint received 2017-04-09
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (NY)

I have two Fidelity credit cards. Fidelity changed processors and their autopay service was stopped. Numerous times I signed up for autopay and it was unsuccessful without my knowledge. Fidelity signed up one credit card on autopay and the other did not go through. As a result they marked one payment as late on my credit report. They reversed all fees after I called and instructed me to write a letter to a separate department to notify the credit bureaus there was an error and the manager told me in 30 days the late record would be removed from my credit. I called this department 3 times holding for 40-55 minutes before the call would be disconnected. I latter received a response from Fidelity that they refuse to remove the late payment from my credit reports. 

I have always paid my credit cards monthly off in full. Fidelity made the processing error and need to remove the late payment record. Evidence of this is they refunded all late fees and admitted this to me on the phone.
Consumer complaint received 2017-03-31
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (CO)

i went to use the atm whn i put it in it took it so whn the store open at XXXX i walked in waited in line whn it was my turn itold them what happen an if ican talk to the manager thy said no an was rud ask them who can i talk to to get it back said thy dont no an the atm not part off the branch i called XXXX i called ssi office thy said whn it getts serived they give the card to the branch the us bank works just makin fun of me tht just becouse im XXXX didnt let me use the phone an kicked me out the cops came let them no whatb happed told me to file a repot think if they did this to me how many othetr have they did it to sad think i disever a sorry mean workers hope we can fix wat ever goin on there thanks