davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (TX)

GM Financial reflected fraudulently reflected 60 days late payments on customer car payment account. GM Financial received payment from XXXX Bank on XXXX XXXX with the wrong address as stated by XXXX Bank. GM Financial would not produce evidence that they did not receive car payments for XXXX XXXX and XXXX XXXX. XXXX bank stated that the XXXX XXXX and the XXXX XXXX car payments also had the wrong address on them. XXXX bank mailed out the car payments to GM Financial. GM Financial refused to provide me proof that they did n't receive the XXXX XXXX and XXXX XXXX car payment. I am requesting that GM Financial produce copies of these XXXX electronic checks and the date that they received payment.
Consumer complaint received 2017-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I have XXXX Federal Stafford loans serviced through Navient - XXXX of them at 2.65 % and XXXX at 6.8 %. From repayment beginning in late XX/XX/XXXX through XX/XX/XXXX, I was on a graduated repayment plan that covered interest plus put a small amount toward reducing the principal balance. This plan was one of the few repayment plans offered through Navient 's website, with no way to customize to which loans payments are allocated. Looking at my account history, it appears Navient directed all payments to principal for that time period to the loans with the lowest interest rate and paid INTEREST ONLY on the XXXX loans with the high 6.8 % rate. With the limited amount of money I could afford to pay at the time, Navient chose to direct 4 years worth of payments exclusively to my low-interest loans and allow my high-interest loans to accumulate interest in order to benefit Navient 's bottom line and take more money out of my bank account. As a federal loan servicer, I trusted Navient to do what is right for the student, however I now know better and urge other borrowers to pay obsessive attention to the way their payments are disbursed. Navient seems to make it as difficult as possible to understand how payments are distributed and even more difficult to ensure they are doing what is right for the borrower. These deceptive practices have cost me hundreds of dollars in additional interest payments since repayment began.
Consumer complaint received 2022-01-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

LoanCare , LLC ( https : //www.myloancare.com/ ) services my home mortgage loan. I have not been able to log in to my account. After many hours on the phone and talking to several different people, including IT support specialists, I was still not able to log in. They confirmed that I am using the correct user ID, confirmed my phone number, email, and loan number, but were not able to allow me to log in to my account. I was told the issue would be resolved but still have not been able to log in. I'm submitting this complaint in case this helps identify a pattern with this company. I'm not sure what else to do.
Consumer complaint received 2016-10-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (PA)

On XX/XX/2016 I submitted a payment in the amount of {$740.00} for pass due payments. My electronic payment was accepted by GM Financial on XXXX XXXX, 2016 at XXXX eastern standard time, referenced with Trace Number XXXX. However, my car was then repossessed on XXXX XXXX, 2016. Due to the nationals holidays in the United States and XXXX I had to place several calls and spoke with several representatives that could not or would not be of assistance, on XXXX XXXX, 2016. I placed several calls on XXXX XXXX, 2016 with the same result. I went as far as obtaining proof of payment from my bank and faxing it to GM Financial via fax number XXXX. However, not until XXXX XXXX, 2016 did I receive a call back from GM Financial. My conversation with GM Financial consisted of them calling my bank for additional proof that my payment would not be returned to the bank. I was then told that in order to receive my vehicle from repossession I would have to pay additional fees which included a {$520.00} repossession fee. I am disputing the repossession fee since GM Financial had my payment for 48 hours prior to issuing repossession. In the last 3 years GM Financial has had XXXX complaints escalated to the Better Business Bureau.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I contacted the Bankruptcy Court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

MY CREDIT IS SHOWING SEVERAL DIFFERENT USE 'S OF MY SS # I WAS UNDER AGED AND HAD NEVER USED MY SS # PRIOR FOR CREDIT OR HOME USE. I WENT TO ATTEMPT A PURCHASE OF A VEHICLE AND DEALER TOLD ME THERE WERE 5 CHARGE OFFS ON MY CREDIT. SOMEONE IS USING MY SS # FOR APPARTMENTS. I WOULD LIKE THIS TO BE REMOVED AND SECURED BY PUTTING AN THEFT ALERT ON THE CREDIT PLEASE ...
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Exeter Finance, LLC. (NY)

Exeter Finance Corp is reporting to all XXXX bureaus that I have a balance in the amount of {$11000.00}. However, this account has been sold to a collection agency months ago and they are stating that I only owe a balance of {$4900.00}.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I was with Caliber Home Mortgage for Month of XX/XX/2022. 
They switched me to XXXXXXXX XXXX XXXXXXXX starting XX/XX/2022. 
I am in a federal program called HAF  Home Owner Assistance Fund. 
My department with HAF said check was sent to Caliber on XXXX XXXX. 
The amount was XXXX for the XXXX Payment. It is now XXXX XXXX and Caliber said they never got it and also checked with XXXX and they said it was never sent over by Caliber to them. I am trying to find out why my payment for XXXX has never been posted. Again the amount was XXXX for month of XXXX.
Consumer complaint received 2017-02-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (IL)

On XXXX XXXX 2017 I check my account around XXXX, I then got something at XXXX XXXX the next day which was the XXXX I recieved my account with a over draft fee taken out of my direct deposit. I called PNC Bank they said I had a pending charge which was on the XXXX I told them no because my balance inquiry indicated something different on the XXXX and my account was not over drawn as I have proof they basically told me that that did n't matter that my receipt that I got for the balance inquiry was wrong so my question to them is why have ATM if I ca n't get the exact balance. Any other time that I have a pending charge they take the money right out of my account or if I do n't have enough money in the account account is overdrawn it is not left with money in there for me to make another transaction and that is my problem with them. So with PNC my issue is that there ATM does not give accurate balance information and I argued with them and talked with supervisor and they still do n't understand that all transactions need to be reflected in the bank account and to this day I still do n't see that transaction it 's possibly came in on the XXXX of XXXX so I have included a copy screenshot of my account of the transaction in question.
Consumer complaint received 2017-04-09
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (VA)

My auto payment per month to the LOANCARE company is {$1800.00} but in XX/XX/XXXX they charge me {$3600.00}. So I call them and they said they wo n't charge me in XX/XX/XXXX but they still charge me in XX/XX/XXXX that make me spend over budget and I have to pay the over drafting fee. But luckily I call my bank and they agree to give me back my over drafting fee because it is the first time. Then I receive an email from LOANCARE company saying that they wo n't charge me for XX/XX/XXXX. 
After reading that email, I left my guard down so I did n't print out that email and now it is no longer in my inbox. They charged me in XX/XX/XXXX that make my account went overbalance again then they gave it the money back but they did n't give me the over drafting fee. So I have to call my bank again and they agree to give the over drafting fee back to me. 
But on the XX/XX/XXXX, they charge me again and now I have to pay the over drafting fee because my bank wo n't give it back to me. So I call the LOANCARE customer again, they said I have to send them an email explaining what happened and they will give me a ticket number then I will wait for their call back for a solution. But they never call me back nor send me a reply email. 
I 'm still waiting for their response but now all I get is a letter saying that I have to pay a returned check fee to their LOANCARE company.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the account listed below is still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, XXXX USC sections XXXXi within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX )
Consumer complaint received 2017-03-30
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (OR)

I was gifted a home. The.previous owner passed away XX/XX/XXXX. A month ago a man came and gave her papers saying there was almost {$400000.00} owed on a metlife home mortgage from XX/XX/XXXX & house is going to auction XX/XX/XXXX. It 's impossible. Before previous owner passed he was very organized and.kept extremely detailed records of everything. He owned multiple homes and.properties in XXXX, XXXX and XXXX. Also he personally helped multiple people out when they were at risk of losing there homes he bailed em.out and they made payments to him. One person specifically owes him a substantial amout of money & filed to start a buisness under the name and address of the.deceased prior to death. It is possible that this same person is the one that indeed took this reverse mortgage. I have paperwork.for multiple mortgages a in.the same time.period with this person being added to the deeds. There is so much I cant even.begin.to explain. But there is documentation to.back.up what I saying. And the conservatives took over my friend the deceased property and stopped making payments then tried to.have.me evicted which was thrown.out of court then in turn files probate and abandoned the home and never notified me of anything. They.new I lives here the.previous owner is the.one that told them.to.let.me move.back.home and to.dismiss the eviction they had placed on me. Its absolutely devastating what these people multiple people did to.my.elder my friend up to his death.and.now years later they.are trying to take the home that was given to.my grandson.and.myself. Another thing the property is only valued at approximately {$150000.00} @ the time of the loan why would any.mortgage company loan. {$420000.00}. & I have the starements showing every single month.payments were being made up untill the.conservators took control.of his bank.accounts. And if there really was this money.owed why.would n't it be paid off in.probate he had top notch insurance and more than {$200000.00} in multiple separate accounts and owns multiple properties. Please help me.my.home.goes.to auction at XXXX and nobody seems to.care that people are defrauding elderly and mortgage companies.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

I have called 8 times to get my escrow account fixed. My insurance company XXXX was not paid in XXXX. Mr cooper paid XXXX  insurance instead without my authorization. In XXXX I got a letter from XXXX stating they were not paid. I called mr cooper they forward a payment to XXXX on the XXXX, and refunded the payment that was paid to the wrong insurance company XXXX. On the XXXX of XXXX the refund was canceled from XXXX. I am now short {$1300.00} in my escrow acount. They still have not fixed this.
Consumer complaint received 2016-07-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarFinance Capital LLC, Irvine, CA Branch (GA)

I have traded in a vehicle with a new car loan and they paid off CarFinance in full. CarFinance had updated my credit report as paid in full. They have now reported the loan on my credit report with a balance of {$28000.00} and updating it monthly. This is incorrect. The balanced should be {$0.00}, showing closed and paid in full.
Consumer complaint received 2017-04-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (OH)

We received a final lease assessment from US Bank for " excess wear and tear '' on the vehicle. I originally called the company on XX/XX/XXXX to appeal the assessment, as it was my view that the wear and tear met the definition " normal '' under the US Bank agreement. Several times I was hung up on. I was redirected to the voicemail of a supervisor who never return my calls. When I followed up with their end of lease department and asked to review the assessment with the supervisor, he agreed that of the original approximately {$800.00} in " excess wear '' charges, all but {$150.00} were unsupported to the photographic evidence and waived them. We continues to insist that the {$150.00} charge for scratches on the front bumper constitute excess wear, his contention being that the scratches referenced are greater than 4 '' in length. Unfortunately for US Bank, that is not the " excess wear '' policy we agree to when we signed our lease, and in fact, even their own end of term brochure describes excess wear as scratches that BREAK THE PAINT which are longer than 4 '' in length. The referenced scratches are surface scratches in the clearcoat that are easily buffed out ( which the US Bank guidance identifies as " normal wear ''. ) I am less concerned about my own situation than I am about what appears to be a systemic practice by US Bank to overcharge lease termination fees inconsistent with agreed legal contracts between the parties. As an informed consumer, I fully intend to have all inappropriate fees waived. I am concerned, though, that if I were not an informed consumer the bank would have taken advantage of my lack of knowledge to overcharge me nearly {$1000.00} in unsubstantiated lease termination fees which are inconsistent with the definitions of use agreed by BOTH parties at the commencement of the lease.
Consumer complaint received 2016-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC (OK)

XXXXI get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I did n't have any communication from the company before they put me in collection.
Consumer complaint received 2017-04-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I used to have a college checking with chase and a few credit cards. When i closed my college checking that i had opened with them of 5 years. I Left and came back to Chase bank and opened a Total Checking account, I was in good standing with Chase all this time. Then recently my Total Checking account was closed for no reason. I went into the Chase XXXX, TX branch and was advised by the Banker that my accounts are marked as Fraudulent and that no further accounts should be opened at anytime. He showed me the notice posted to my accounts and name within Chase Bank system. This is redicules, I should n't be marked as fraud as i have never committed fraud within chase at all.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Convenience checks — 
Company: JPMORGAN CHASE & CO. (VA)

In or about XX/XX/2016, I took advantage of a no interest promotional check through my XXXX Rewards Mastercard through Chase. To earn points, I make all of my purchases on this credit card and pay my purchase balance in full every month to avoid interest. I recently noticed that I was being charged interest and when I called to inquire as to why they stated that when I accepted the promotion, I forfeited my 30 day grace period on purchases. I accepted that this was an error on my part by not reading the terms and conditions and I wanted to promptly pay off any purchases on which I was being charged interest on daily. Being that the balance was over $ XXXX, I had to pull the payment from multiple accounts. When I went online to make those payments, I was able to process the first payment but not additional payments from additional accounts so I called customer service. When I spoke with an Account Supervisor named XXXX, he informed me that he could take multiple payments over the phone but the payments would not be applied to the purchases I was accruing daily interest on but rather the promotional balance because the purchases have not been through a cycle so the only way I could pay off purchases I 've made since my last statement would be to pay off my entire balance including the promotion. My other option is to wait until my cycle ends and be charged interest daily before I have the option of paying off my purchases.Since I 've never had a company that started charging interest on purchases the day that the purchases were made, I find it highly questionable that they are not allowing the option to pay those purchases off daily?
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

My son filed for bankruptcy he is a XXXX, Equifax is reporting his bankruptcy on my credit report. 
I have spoken with the US Bankruptcy Court XXXX and XXXX Consumer Service neither has this in their data base as being mine. Only Equifax is reporting this inaccurate information. I have being trying since XX/XX/2017 to get this off my credit report to no avail.I am attaching a copy of my son 's bankruptcy discharge papers to show this is not mine.
Consumer complaint received 2017-03-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS (CA)

The alleged law firm that is n't licensed in California called me at work and on my cell phone threatening to sue me. When I told him I would call him back because my debts are with debt management company, he would not give me his information. He would not give me any information other than the amount I owed on the payday loan with 99 % interest ( yes, 99 % interest ).
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

I enrolled in monthly minimum amount due recurring payments some time ago with my WalMart Credit card. Up until just recently, those payments were drafted correctly from my account. today XX/XX/2017 when I logged into my bank account I notice Walmart had taken over {$410.00} from my bank account which they were not authorized to do. my monthly minimum payments are {$25.00} which was the amount they were authorized to debit my bank account.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Im XXXX Kohls charge did not have a full mobile website and lacked many features that allowed customers to make payments in time ( ie scheduling a payment, reoccurring payments ). They also did not have timely notifications in place, and did not email you until after grace period was passed and you incurred a fee. I contacted Kohls during this time as they waived most late fees as a result, but they refused to correct a late payment reported to the credit bureaus, despite acknowledging the kohlss driven issues and reversing late fees.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX  ( XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( acct.XXXX  ), XXXX XXXX XXXX ( acct. XXXX ), XXXX XXXX, XXXX  XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding incorrect information to my credit profile for others to see. 

XXXX  ( XX/XX/XXXX ), XXXX XXXX  XXXX XXXX ( XX/XX/XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) reported to Transunion that i applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

On XXXX XXXX, 2015 I sent a certified letter to Enhanced Recovery Company to verify a negative tradline entered on my credut profile by this company. The certified receipt was signed on XXXX XXXX, 2015. Today is XXXX XXXX, 2015 and I have yet to receive any information to verify that this erroneous account being reported in a negative way to the credit bureaus under my credit profile. I was under the impression that a company is given 30 days to verify this information or it should be removed from my credit profile.