davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: 3rd Generation, Inc. (CA)

California Auto Finance Customer Name : XXXX XXXX Acct Number : XXXX I have a car that was finance by California Auto Finance, I was behind for my payment for just more than 10 days. California Auto Finance added insurance to my payment despite sending the proof of insurance to them and their staff calling and verifying the insurance to the company. I called and spoke with a representative named XXXX. I asked for information regarding deferment, since there is a hardship on my part XXXX explained to me their deferment policy and she said that she will transfer me to the collector that was assigned to my account. Upon transfer the collector was very rude and immediately asked " What do you want? '' I explained to her my situation and she did not even let me finish and say we do n't offer deferment. I explained to her that the other representative said that they do but she keeps on reiterating " We do n't offer deferment '' this time she said that " You need to send your payment we ca n't wait for it anymore ''. Despite this I continuously communicate with them through email and explained to them my situation. On XXXX/XXXX/2016, I received a call from a old colleagues of mine that I have n't talk in a while. They reported to me that a collector from California Auto Finance called them stating that I need to pay my debt to them or they will lock down the car. This a complete violation of Fair Debt Collection Practices Act. Specially in the state of California law where original creditor is also consider as the debt collector. FDCPA states that Debt Collector can not ask third party to pass on a message, which in this case they completely violates. FDCPA also states that debt collector can not call third party more than once and can only ask to obtain or confirm location, again California Auto Finance Completely Violated. FDCPA also prohibits them from revealing consumer debt, which again they violated. FDCPA also prohibits them from harassing or stating any threatening words and for them to say that they will shut down the car despite of negotiation and sincere efforts to pay the debt is just a blatant harassment. Not only that California Auto Finance has no customer service, they 're collectors are treating their customer inhumanely. California Auto Finance must remove and stop contacting individuals on my references. They are also more than willing to testify in court of law if I decided to pursue court actions against them
Consumer complaint received 2022-08-04
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX # XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DP OF EDUC XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$940.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

I missed a balance due payment of XXXX in XXXX on my Citi Bank credit card. I did n't see the bill come in but found it later buried under some papers on my desk. I called as soon as I received my past due notice. I have been a customer since 1993 and always pay my bill in full, with rare exception. I argued that the {$25.00} late fee should be removed if they just looked at my history. I paid the {$30.00} charge but not the late fee. This month I received a bill that charges a late fee of {$37.00} on the {$25.00} late fee from last month. Now the bill is {$63.00} That simply does n't make sense. Is that legal is charge interest and late fees on late fees when no activity took place? No other charges were on the bill. I spoke with customer service today at XXXX AM EST to a young lady named XXXX who then turned me over to a XXXX named XXXX. XXXX indicated that since it was n't a bank error, it could n't be reversed. I know that is an untrue statement.
Consumer complaint received 2017-01-28
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC (IL)

On XXXX/XXXX/17, I received an email notification from Big Picture Loans reminding me of a loan payment due on XXXX/XXXX/17. I contacted their Customer Service Number on XXXX/XXXX/17 requesting to delay my loan payment until XXXX/XXXX/17, as my Employer changed my Payroll Schedule from Semi-Monthly to Bi-Weekly, effective XXXX/XXXX/17. When I initially stated this to the Customer Service Representative, before she could give me a response, she insisted she could n't even address this issue until I first request my Social Security Number ( Mind you, I had given the Customer Service Representative my Loan Number, and she stated { As the phone call was recorded } she pulled up my account ; BUT, as part of Big Picture Loans Verification Process, she would need my SSN ). After going back and forth, I reluctantly acquiesced ; and she then tells me she ca n't extend my loan payment date.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK CARD XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES, XXXX I XXXX XXXX XXXX, have violated my rights. 

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 : ,This section provides that the consumer reporting agency can not furnish an 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. 

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (OR)

I signed up for an account with a XXXX bonus. I have not recived it. Now they are saying I had prior accounts but they are with my minor kids. Which I was told I still qulified. Then they said I was negative which I was for a fee caused by the bank. An annual fee I was unaware I had. So they said this was why I was I had not received bonus. I feel like this was misleading and the bank is trying to find any reason not to pay.
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (FL)

I received a voice message this morning on my home phone, XXXX, from ProCollect, Inc., XXXX, TX, a debt collection agency. The caller requested that I return their call at XXXX. I have not and will not do so. 

Alleged debt of {$120.00}, as noted in a letter from ProCollect on XXXX XXXX XXXX, is for repairs to purported damages to an apartment I shared with XXXX other occupants. I responded to ProCollect by letter dated XXXX XXXX XXXX that that I disputed the charges claimed by XXXX, the lessor. In my letter, I stated that some of the purported damages were noted as pre-existing on my move-in report ( which XXXX XXXX has failed to provide ), and I disputed the existence of others. I requested a move-in joint walk-through from XXXX when I occupied the premises on XXXX XXXX XXXX, and a move-out walk-through was also requested on XXXX XXXX XXXX. Both requests were denied. My XXXX roommate who was still in the apartment on XXXX XXXX also requested a move-out inspection on that date, and was also denied. Since there was no documented joint agreement on the premises ' condition at move-in, and refusal to do a joint inspection at move-out, XXXX unilateral claims as to damages are without merit. I also requested refund of my security deposit in the amount of {$100.00}.
Consumer complaint received 2016-12-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (VA)

I had a car loan with First Niagra Bank. The loan was assumed by Key Bank and I received a letter from Key Bank dated XXXX XXXX, 2016, stating that as of XXXX XXXX, 2016 Key Bank would become the holder of my auto loan. 
I have made XXXX payments via phone to XXXX on this loan, on time and in accordance with the original terms and due date on the loan. Key Bank processed both payements and accepted my money. 
I was told on XXXX separate calls that I would be rfeceivign a statement in the mail within XXXXXXXX business days. I NEVER received anything from Key bank beyond the original letter mentioned above. I called once more, and was told that I do not get paper statements because I am set up for auto-pay. I can not log into the Key Bank online account access until I have an account number. I can not get an account nuber until I get a statement. XXXX calls, no answers. i believe this is the most incompetent bank I have ever encountered. 
need to register my car in Virginia ( having recently moved to Virginia ) and I am unable to do so until I have the loan acct inormation, which I can not get until I log into the online banking site, which I can not due until I receive my account number, which is on my statement, which I do not get because I am set up for auto-pay, which can not be collected because the bank where the payment is taken from has been closed. 
Worst Bank EVER!!!
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Billing disputes — 
Company: KEYCORP (CO)

KeyBank is charging a {$51.00} interest charge on purchases despite the balance being paid in full prior to the monthly due date. Their printed statement states, " Paying Interest : ... We will not charge you interest on Purchases if you pay your entire balanace by the Due Date each month. '' The monthly statement from XXXX/XXXX/16 to XXXX/XXXX/16 includes a previous balance of {$7200.00} along with payments and other credits of {$7200.00}. When customer service was called, the representative indicated that they would not refund interest charges and indicated that interest in incurred daily. When I disagreed and told her that was true unless the balance was paid in full, she hung up on me. I called back upset and spoke with another representative. She indicated that there was nothing that she could do other than create a ticket number to have my account reviewed. I indicated that I did not want a ticket number and wanted to be transferred directly to someone who could review my account as I had recently called about another issue 3 times with no call back when issued a ticket number. The representative could offer no help other than a promise to call me back ( which has been made before ) and could not provide any information why an interest charge was being applied. I have a ticket number for the request but am not confident that the issue will be resolved given their past performance of not calling me back. The representative could offer no resolve on my previous ticket number either so they are clearly not looking into the issue reported in XXXX 2016, giving me no reason to believe they will look into this one.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Ditech applied my loan payment to escrow. I did not ask them to do this, nor did I authorize this. The payment was posted XXXX XXXX, 2016 in the amount of {$720.00}. I contacted them on XXXX XXXX, 2016 because they are showing me as past due, which I am not. They show me as next payment due XXXX XXXX, 2016 which is incorrect. They were to have " reallocated '' this misapplied payment and as of this writing they have not. By tem making this error they affect my pay for performance ( timely payments ) incentive ( which to date they have never fixed, despite responded XXXX XXXX admitting they owe me this ). Regarding my current issue they need to fix this immediately and correct the misapplied payment and show my account as current. Also, they have yet to notify me of my new and correct monthly payment since having the lender based forced flood insurance requirement removed. They muddle what my actual payment is so that nobody can make sense of it. I do not know what I am supposed to pay these people every month.
Consumer complaint received 2017-03-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Delbert Services (AR)

I received a called from wertern sky stating I have a default loan from XX/XX/XXXX of XXXX which is now XXXX. 
I did n't take the loan out with WS but with XXXX. WS had made several calls to relative and friends giving out by social number and threating to send legal documents for me for court. I have n't heard from WS nor XXXX in 5 years. It 's my understanding that CFPP filed a lawsuit for unlicensed loans XX/XX/XXXX. 
The representative who called was very rude not only to me but to the others who they called looking for me.
Consumer complaint received 2016-08-02
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (LA)

North star locations services had been constantly calling my phone and sometimes even my mother 's phone early in the morning claiming I owe money to them. My car got picked up XX/XX/XXXX. About two days after I sent my payment through XXXX XXXX sent a repo truck to come pick up my vehicle. About a month later, the north star location services phone calls started. The first call from them thru told me my vat had been sold through an auction. I did not receive any documentation about this matter. Ever since then they have been calling me early in the morning while me and my XXXX are still sleeping. I just want the phone calls to stop because I just about had it.
Consumer complaint received 2016-04-20
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Arcadia Holdings, LLC (PA)

During yhese numerous phone calls they are extremely rude but I have asked them on numerous occasions to send me copy of the bill so I can pay it and they have yet to do that. They just want me to give them my bank info over the phone and they get real nasty when I wo n't. I do n't know for sure if phone call is really who they say they are.
Consumer complaint received 2017-02-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (CT)

I have a HELOC loan initially opened at XXXX XXXX Bank in XXXX. First Niagara Bank bought XXXX XXXX Bank in XXXX and took over the loan. Key Bank bought First Niagara in XXXX, and then assumed the loan from them. Since Key Bank began servicing the loan, there have been nothing but problems. The most serious of those problems is that Key Bank has been reporting the loan to the credit reporting agencies incorrectly since they assumed the note. I have contacted Key dozens of times over the span of 4 months to try to get them to fix it. Each time they tell me that they are reporting the loan correctly or give some other excuse. They are not reporting correctly. They are reporting the outstanding principal balance as the credit limit, instead of reporting the actual credit limit. This is causing the credit bureaus to report my debt to credit ratio as 100 %, which is negatively impacting my credit score. The actual debt to credit ratio is less than 70 %. They also do not have the correct dates listed for the loan. 
The " Executive '' customer service team looked into the problem and finally came to the conclusion that Key Bank " HAS '' to report the loan incorrectly and have the incorrect dates because the type of loan that I have did n't fit into the computer billing system of Key when they assumed it, so they modified the data to get it to bill correctly. According to them, the damage to my credit and the wrong reporting is an " unfortunate, unintended consequence '' of what they need to do to get the billing correct. They have stated that they do not have a way to correct this problem and have no intention of doing so. And after four months of it being incorrect and of me complaining, they told me not to contact Key Bank about this issue. I tried to escalate it beyond this level, but was told that there is no escalation, and I could not even deal with anyone else in that department. All decisions made by the " Executive Team '' are final and are made by only XXXX person who answers to no one and has no supervisor ( supposedly ). The choices I was given were live with the problems or find a different bank. 
I am sure there are numerous other customers who have the same type of loan that was initiated by XXXX XXXX bank that are in the same predicament.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MD)

Ive been a victim of major identity theft with having my personal information jeopardized in 4 major data breaches, false credit reporting issues, fraudulent use of my SS #, fraudulent personal loan and mortgage fraud. That has become a servere tragedy in my life with losing my residential property, losing my employment, affecting my children and received a letter saying there information was stolen as well. As I have had to move into family members home and ca n't get any financial support to recover from all of this. I truly appreciate your feedback and help. Thank you
Consumer complaint received 2016-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (MD)

I had a balance from XXXX and received a settlement letter. I paid the balance due to settle and now Enhanced Recovery has no documentation of the payment 1 year later and will not remove the balance from my credit report. I have called several times and tried to dispute but no results. I was told by the agency that the debt would be removed and that I will receive a proof of payment. I have not received any thing at this point.
Consumer complaint received 2016-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Williams & Fudge, Inc (SC)

This individual contacted my father, who is in another state, and disclosed that he was collecting a debt to him. I have not lived with my father in over XXXX years. They made ZERO attempt to contact me before calling my XXXX father.
Consumer complaint received 2016-07-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (AL)

I had no idea that I would get charge so much interest on a {$350.00} loan. I have borrower from Lend up and they dont cost nearly as much as BPL. I have made 2 payment triple the about I borrowed. Please help me! 
I have made over XXXX in intrest.
Consumer complaint received 2016-11-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC (WA)

I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$120.00} finance charge, not {$1800.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account
Consumer complaint received 2017-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (GA)

The collection company is falsifying info on my credit report. On XXXX/XXXX/17 they flagged a collection on my credit report as in collection. The status date was listed as XXXX/XXXX/17. On XXXX/XXXX/17 they flagged a collection on my credit report as unpaid, and the status date is listed as XXXX/XXXX/17! They are also reporting to all XXXX credit Bearus under different names, but the same account number, and same balanced owed.
Consumer complaint received 2015-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (GA)

I would like to dispute a collection account with Enhanced Recovery Corporation. XXXX XXXX XXXX originally held a {$69.00} debt for me over 4 years ago. I disputed with XXXX XXXX XXXX and was told that they would resolve it, yet, sold said debt to ERC. I have disputed this debt through XXXX and had it removed in the past, but ERC keeps reporting it. I last disputed with XXXX this week and was given a statement saying that the debt was valid. XXXX did not provide any details of the debt being valid. Also, the debt XXXX is showing says it was started in XXXX of 2014 which is also incorrect. The debt was originated over 4 years ago.