davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MD)

Loan Care aka XXXX bought my loan and I started making payments to them in XX/XX/XXXX. I have made XXXX payments to them to date for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every single payment has been applied incorrectly to my account. I made a payment on XX/XX/XXXX to satisfy my XX/XX/XXXX payment. They applied it as a principal curtailment and did n't bump my due date. I called several times to have it reversed and reapplied correctly. They eventually reversed and satisfied my XX/XX/XXXX payment BUT they applied it as of the day they fixed it ( XX/XX/XXXX ) not the day they received the payment ( XX/XX/XXXX ). Made a payment XX/XX/XXXX for XX/XX/XXXX and their automated system confirms they received it that date but they did n't credit my account until XXXX. I made and they received a payment XX/XX/XXXX to satisfy XX/XX/XXXX payment and they applied it as a principal curtailment again. I have called and called these people and nobody can tell me why every payment is applied incorrect nor do they ever fix my account. It is now XX/XX/XXXX and my XX/XX/XXXX payment is late when I made it XX/XX/XXXX. I 've called 6x just in the past two weeks without anyone resolving my issues or answers as to why this is happening. I 'm running out of time before a late fee will be charged for my XX/XX/XXXX payment, which eventually be reported to the credit bureau. They said if it gets to that point they will fix it but they have n't fixed ANYTHING yet. How will they fix a false report to the credit bureau?
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

I have received multiple calls from the company to collect the ammount I owe. I currently lost my vehicle during hurricane XXXX due to a XXXX and the vehicle was declared Totaled by a local shop. My vehicle XXXX XXXX XXXX is trying to pay XXXX towards the debt in order to finalized my total loss claim. My Insurer needs the Lien holder Paperwork in order to pay them directly the amount that they are paying me for the totaled vehicle but it has been over 3 weeks already since they have been waiting for that paperwork. Whenever I have spoken to ally over the phone i've told multiple representatives the situation and have told them to transfer me to the total loss department, whenever they do that I am sent to a dead line. Its very frustrating because I am not avoiding them nor trying to skip paying this loan off to get it off my credit.

Whenever they call back they repeat the same scripted conversation regarding me owing them the monthly payments and they don't keep any records of the conversations and my requests. I have also tried the secured messaging via their app and yet they just answer with a scripted message saying that due to the nature of my request I need to contact them to their XXXX number, this is the same number that I have attempted multiple times to finalize my Insurers claim. This situation has me depressed at this point since there's no local office for them and I am sure that they will instruct me to send mail to their hq or say that they can not help me. I am already unhappy from losing my method of transportation and my local vehicle.
Consumer complaint received 2016-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IL)

A letter was sent from ERC to an old address of mine claiming I owe money for a debt to XXXX. I have never had a XXXX account and never owed them any money, nor have I ever been sent any bill by XXXX, even at this old address. So I suspect ERC or someone else is committing fraud.
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (GA)

XXXX is reporting a collection account to XXXX that is not my account. The account is for someone unrelated to me but has the same last name. I have been trying for years to get them to remove it without any help.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC (TX)

this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TN)

I send Enhanced Recovery Company a debt verification letter on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have yet to hear from them. I recently saw on my credit report that I had a collection from XXXX that they are handling. The amount is for {$450.00}. I do n't know when this debt was made and they wo n't give me any information as to how I owe this.
Consumer complaint received 2015-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

My roommate decided to purchase cable through XXXX XXXX she ended up falling for XXXX those check scams where you cash a check for someone and then the check bounces and you owe the bank the money from the bounced check. So she ended up losing her bank account and could no longer pay the XXXX TV account with her credit card. Therefore, I offered to pay her monthly fees with my credit card and she could give me the cash. However, the account was still completely in her name attached to her social security card. Fast forward a couple months she decided to move out and takes the XXXX account with her to her new place. Fast forwarded almost a year ( I would sometimes get calls from XXXX asking me if I knew where XXXX ( my old roommate ) was and I would tell them no ) I see that XXXX has sent me to collections. I call the company right away pretty angry at the situation because not only did they have all my information but they wrongly sent me to collections damaging my credit. When I asked how they got my information they said that I tried to purchase XXXX once before ( which I immediately canceled due to bad customer service ) and that is how they got my social security number. Anyways, they were not very helpful and told me to file a dispute with the credit bureau which I did and won and it was taken off my credit. However, I recently checked my credit again and it was back on under a different name. I was very confused so I called the credit bureau and they said that after XXXX lost the dispute they sold it to another collection agency! Which seems really crazy to me and completely unjust. The credit Bureau then gave me your information and told me to contact CFPB and file a complaint. This was taken off my account and then was just added by your company I have disputed this and won many time now so I do not understand how it keeps getting bought by different companies.
Consumer complaint received 2016-06-04
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC (MA)

I keep getting phone calls and mailings from Big Picture Loans stating that I am pre approved for a loan with them and that they obtained my credit information from XXXX of the major credit reporting agencies. Big Picture Loans interest rates are 700 % or higher ( according to their website ) which is illegal in the XXXX Massachusetts, they will not stop calling me and mailing me offers even though I have requested for them to stop. On my most recent call to them they claimed that they are legal to offer loans in Massachusetts and when I asked what the interest rates are on their loans the representative stated that " I ca n't tell you what the rate is until the loan application is submitted and you agree to take the loan, '' this is a violation of the Truth in Lending Act ( TILA ) due to the inability to know what the rate is before accepting the loan. I have a credit freeze on all of my credit reports and I have also opted out of receiving prescreened offers for credit. Big Picture Loans refuses to tell me what credit agency they obtain their information from so that I may deal directly with that agency to determine why my information is being provided to any third party without my written consent.
Consumer complaint received 2016-12-27
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (AZ)

I have had an account with BB & T since 2014. I had moved as a result I had limited funds in the account. During my move I had experienced a burglary and vandalism which caused me to loose out on some of my income. Due to the circumstances I was in need of some money. I withdrew {$40.00} from the ATM. Approximately a week later I received a notice from the bank advising me that I needed to pay the bank {$140.00}. They explained this was because I only had {$12.00} available during the time I took the money. I apologized and explained that I was not sure what I had, however I was really glad that I had access to it being that I needed gas for my car. I agreed to pay back the {$35.00} since this was the amount I took including service fees. I explained that due to the circumstances that I had faced I did not have over {$100.00} as they had requested. I have a police report of the circumstance that I faced at the time XXXX XXXX Police Department. I also had explained that I was not aware of any overdraft fees that would be incurred being that usually when you get money from the ATM it does not give monies that are not available. I need some assistance in resolving this issue because I do not owe the bank the monies that they are accusing me of and I need for them to accept the monies that were used and nothing extra.
Consumer complaint received 2015-11-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (MI)

On XXXX, I emailed a letter to Regional Acceptance telling them to stop calling my place of employment. I followed up with a phone call stating the same. I was told that my work telephone number would be removed from their system. I provided XXXX alternative phone numbers to reach me. Regional Acceptance continues to ignore several requests made by me. " XXXX '' a Regional Acceptance employee called my employer in an attempt to reach me on XX/XX/XXXX. I have a copy of the email I sent and a recording of the last phone call received after the company was told to stop calling.
Consumer complaint received 2015-04-26
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (FL)

We Never received a copy of the appraisal report. The appraisal was done XXXX. The XXXX time he used the wrong comparables. The XXXX time he purposely drove the value down because he was angry for having to come back a XXXX time. Little to no communication from the lender regarding the overall loan. No one explained any of the closing docs. A notary came to the house for signature and tried to explain however he was just the notary and not a licensed professional. He seemed uncomfortable answering questions. Very unprofessional process.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In the beginning of this year, I refinanced my house the mortgage agentdid the loan with XXXX XXXX. XXXX XXXX sold the loan toNationstar Mortgage. I received a letter telling me to send my payment toan address and a detachment portion. I am to send the detachment portionwith my payment. Which is what I did, however, I do n't know what theaddress was that I sent the payment to. But I sent them the payment onXX/XX/2015. For the next few weeks my check was n't cleared. I'mthinking the check was lost. In about the middle to the end of the month, I received a statement from Nationstar Mortgage informing me I owe themfor two months. No problem, I put a stop payment upon the check onXX/XX/2015. Then I paid them {$2300.00}, which paid them for XXXX paymentsof {$1100.00}, and provided {$32.00} left over to put upon my principal. Theyreceived that payment on XXXX/XXXX/15. Later XX/XX/XXXX, I receivedanother statement dated XXXX/XXXX/15, this statement informed me that the nextstatement was due on XXXX XXXX 2015, NOTE XXXX XXXX, 2015, NOT XX/XX/XXXX BUTXX/XX/2015. What am I supposed to think? I 'm thinking there is no Aprilpayment, I thought that until XXXX XXXX, 2015, when I received a call fromNationstar about where is my XX/XX/XXXX payment. I then sent them twopayments covering XX/XX/XXXX and XX/XX/XXXX. As per their policy, I sent them a copyof the confusing XX/XX/XXXX statement with the XX/XX/XXXX due date. I informed themthat it was their fault not mine and I expect NO PENALTIES. 
Guess what? I did receive penalties over {$100.00} in late fees, I have triedcustomer service if you can call it that. I received long wait only to be hungup on, the waits were about fifteen minutes to get someone, then I wouldbe transferred to someone else, with no one picking up. My desireresolution would be to at the minimum get rid of the penalties and XXXX, have Nationstar sell my paper to another company like XXXX, XXXX XXXX XXXX, XXXX XXXX, they would be fine. I really do n't want to deal withNationstar anymoreNationstar informing me
Consumer complaint received 2016-09-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (WV)

XXXX/XXXX/2016 Credit COUNTER DEPOSIT View {$760.00} XXXX/XXXX/2016 Debit OVERDRAFT FEE BB & T ONLINE BILLONLINE PMT XXXX BB & T CHECK CARD XXXX *XXXX. 
BB & T CHECK CARD PURCXX/XX/2016 XXXX XXXX {$100.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BB & T CHECK CARD PURCHASE-PIN {$230.00} XXXX/XXXX/2016 POS XXXX XXXX. XXXX XXXX MN XXXX BB & T CHECK CARD RECURRING PYMT {$41.00} XXXX/XXXX/2016 Debit ONLINE PMT XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$170.00} XXXX/XXXX/2016 Credit COUNTER DEPOSIT View {$270.00} ''BB & T BANK '' ... ... charged me for payments that I had scheduled to be taken out on XX/XX/2016 .... ( I.E., XXXX XXXX ... .for : {$170.00} ) ... .took this out on XXXX XXXX, 2016. I called ONLINE BILL PAY ... XXXX @ XXXX ... ..they put on hold, & did nothing to resolve this even thou my Veteran 's Check, of over {$XXXX}, ( that was already at my Bank ), as they HOLD IT TIL XXXX ... ..THE MORNING OF XX/XX/XXXX. PROCESSING THE ABOVE ITEMS EARLY, THUS CHARGING ME XXXX-EACH TIMES LATE FEES OF $ XXXX-DOLLARS! 

Then when I schedule something Monthly ... .. ( if any month has 31-days in it ), they move my payment BACK ... ... .BEFORE XX/XX/XXXX ... ..KNOWING THAT I PAY EVERYTHING OUT VIA MY BILL PAY ONLINE, ... ... .THAT SHOULD BE PAID ON THE XXXX or XXXX of each Month ... ..STOP MOVING MY PAYMENTS BACK, SO ''BB & T BANK '', CAN LET ME GO INTO THE RED, THUS CHARGING ME OR CHEATING ME OUT OF MY HARD EARNED MONEY ). 

**HERE IS THE SAME PAYMENT I SCHEDULED A MONTH EARLIER ( BELOW ), THAT WHEN I SCHEDULED THIS PAYMENT, WAS TAKEN OUT OR SENT OUT A CHECK, AND PROCESSED SEVERAL DAYS LATER, ONCE MY VA CHECK HAD ARRIVED TO COVER ALL BILL PAYS ON THE XXXX of each Month. 
XXXX/XXXX/2016 Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$170.00}
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OK)

My mortgage was sold to nation star mortgage lending from XXXX XXXX. Nation star has regularly stated that my escrows and payments were off so I paid thousands of dollars and my mortgage has increased from {$600.00} to now {$860.00} and I am on a fixed rate with FHA and continuously and paying money to nation star. I have talked to numerous people and nation star and keep getting the runaround even though they know it is messed up they still say I owe money and and am in fear of losing my home due to their shoddy financing practices
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DE)

I had past due child support put on my credit file in 1996 in the amount of {$60000.00}. That amount has grown to {$130000.00}. I have not made payments on it. The Illinois Dept. of Healthcar contines to move the activity date forward ( and has for 20 years ) to the present month to assure that this never falls off my credit file. 

The Fair Credit Reporting Act provides that an item must drop from the file 7 years from the first date of delinquency preceding the charge off ... that means this item is 14 years past its obsolescence date and clearly out of compliance with federal law. 

I disputed this and Experian left it on my file.
Consumer complaint received 2016-04-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (CA)

I have 40 years of a perfect credit history. I have leased and financed cars for 25 years and I have never had such a horrible and dishonest experience as recently had with US bank. I obtained a 3 year auto lease from US bank in 2013. Upon turn in of the vehicle I was assessed a {$3500.00} excess wear and tear fee. The fee was assessed after some 'independent ' inspector mailed me XXXX grainy black and white photos of a vehicle. I am still not certain the photos were even the vehicle I turned in. XXXX of the major items was that the inspector noted that the tire tread was low. However, the tires were XXXX brand new XXXX with less than XXXX miles on them. The tires were a far more durable and long lasting version than the original tires that came with the vehicle. The 'inspector ' also noted the engine was in 'fair ' condition even though the vehicle was regularly serviced at the dealership and under the program they recommended. The car was 'babied ' and taken care of perfectly. All other inspection items noted were non existent and disputed.
Consumer complaint received 2015-07-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TN)

I had an FHA loan at US Bank that was paid off on XXXX XXXX 2015. On paying the loan off on the XXXX XXXX instead of XXXX XXXX I was charged {$1000.00} interest fee. I spoke to US Bank in regards to this and was informed that they were unwilling to refund the charge of {$1000.00} even though the interest charged was the EXACT same day as the loan was paid off. I feel that a {$1000.00} charge for paying off a mortgage loan 2 days into the month is, for better words, a scam.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Collections Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NM)

My son and husband are both XXXX.When Billed XXXX. They called to cancel stating they were charged to much. They said they would work with them if they paid XXXX and then XXXX for phone and would suspend account. The next bill came to XXXX. I then called asked to speak to someone in resolution dept, talked to XXXX on XXXX, who said not only would the charge stay at XXXX but also added XXXX totaling XXXX which was sent to collections which has effected my husband who takes pride in paying his bills. We are on fixed income, my husband is XXXX has XXXX and my son XXXX, with whom my husband got phone for. They were dishonest in payment and fees when they sold this product.When I see commercials on what they promise it makes me sick, and to have a person like XXXX who is suppose to help resolve problems, was very cold.
Consumer complaint received 2016-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (SC)

XXXX pet hospital submitted an account in the amount of {$270.00} to I.C. Systems for collection. I do not own a pet nor have I ever yet this collection agency insist that I owe this debt. I have not received any correspondence from XXXX or I.C. Systems stating that I owe a debt or verification that this debt is valid i.e. paperwork, video, etc. verfying that I, XXXX XXXX, brought an animal to their facility. Please help me resolve this matter. Thank you!
Consumer complaint received 2017-01-25
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2016 paypal has limited our business account due to the fact that there was a charge back from our client. After speaking with the client who stated he " accidentally '' disputed the charge on thi credit card because he did not recognize nor ever done business with paypal who 's logo was displayed on the bill instead of our company logo. 
Client 's credit card bank XXXX then reversed the disputed charge, deducting the amount from our client 's account and crediting back to paypal ( see attached letter form the bank ). Paypal however claims NOT to have received these funds and is demanding us to cover the negative balance on the account. Our numerous attempts ot resolve this issue with paypal were ignored. We were told to wait 75 days then 90 days and still money is missing ... When requesting a further audit and search for the funds we were told by XXXX that she 's the top fo the food chain and this issue can nto be escalated any higher .... 
please help this is unfair collection practices and wrongful termination of the account case, as well as sabotage of the existing business.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc (IL)

Paypal Credit 's website is confusing and does not accurately reflect all activity. When speaking with representatives like XXXX, it 's confusing to them and they can barely follow along with it. I am not receiving statements, which proves it difficult to determine the due dates on the accounts. The Reps are n't knowledgeable and the only thing they repeat to you is the amount due on the screen.