BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : VIN # XXXX Date : XX/XX/XXXX To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. 
The vehicle in question was purchased on or about XX/XX/XXXX, financed by Toyota Motor Credit, repossessed in the state of Illinois, and sold by Date : Unknown and sold by Unknown on or about Unknown. 
Under the laws of Illinois and Texas and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 
XXXX XXXX XXXX XXXX SS Number : XXXX Contract name was : XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have previously disputed this item with you. Bankruptcy chapter XXXX, reference # XXXX. And in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter. Therefore your original response verifying the item with the court was either a error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C section 16811 ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Nelnet, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
DEPT OF EDUCATION/NELN is stating I was late as of XXXX and XX/XX/XXXX ; however, you look at the account it show this account was NEVER LATE AT ALL! Please the the prior months of XXXX which is displayed in the pictures that are attached. If I was NEVER LATE in all of XXXX, how can I be 90-120 late in XXXX and XX/XX/XXXX. 

PLEASE CORRECT PAYMENT HISTORY AND THIS IS VIOLATION OF FAIR CREIDT ACT 611. THIS INFORMATION IS NO ACCURRENT. 

The credit agencies will be held responsible and liable for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I noticed a debt on my credit report that was unknown to me so I promptly wrote a letter on XX/XX/XXXX asking Transunion to verify. The letter was received by TU on XX/XX/XXXX but I never heard a response. I wrote a follow up letter on XX/XX/XXXX which TU received XXXX but I did not receive so much as a notice from either TU or the debt collector. Finally, I sent a third letter on XX/XX/XXXX that TU received XX/XX/XXXX. They sent a copy of my credit report and said they verified the debt but did not provide a method of verification nor did they provide adequate details. The letter was dated for XXXX a almost four months later! I understand COVID and what not but what I really understand is TU made XXXX XXXX profits last year while I paid high insurance premiums struggled securing credit which has supressed my ability to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I take home ~24,000 a year. I have a loan costing me {$310.00} per month and a 14 % interest. It's feeling impossible and I feel like I'm drowning between that, cost of living in XXXX, student loans, and everything else. 

Santander refuses to restructure it. They've accepted late payments but they won't work with me on a lower payment and interest. It's killing me. I can't refinance anywhere and I can't sell the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: LAND HOME FINANCIAL SERVICES
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our lender has caused nothing but problems since pretty much day 1 of this loan. We've had them misplace numerous documents, lose access to ex-employee info that included our file that she was working on, communicate with the seller of our home instead of us directly, and so many more things that I can't even get into right now, but what we really need them to fix here is the fact that since XX/XX/2019 we have been calling repeatedly, sending messages and leaving messages about refinancing our loan due to a loss of income, and more recently with the covid-19 pandemic, we filed again for help with the loan, all with NO REPLY OR RESPONSE from the company! They have been made well aware of the financial situation, we've sent them the hardship papers twice now, and again, the covid-19 application too, so that's 3 applications we've filed for help with them, only to have them completely DESTROY our credit every month by reporting it late despite our pleas for help with this. We just found out they raised our monthly payment roughly {$100.00} per month with absolutely no idea why or explanation from them whatsoever! They refuse to add my wife on the mortgage information ( even though they talked to her thru the mortgage process and not me ) with having that request sent in several times as well! I've been yelled at, transferred, hung up on, and when I finally do get someone on the phone, it's a different story or information every time, so I have no idea what's going on or how to get out of this situation!?! They basically have me screwed right now because no one will touch this loan being it's been reported late from them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to pull my credit report on XXXX XXXX XXXX and on XXXX XXXX it gives me someone eles email linked to my personal information, my wallet was stolen and I'm locked out of my own information I have provided my police report in the documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or about XXXX XXXX my replacement Target credit card was stolen while being sent to me. They stole parts of my identity to change pin # and stole from Target and many banks. Target denied my claim XX/XX/2020. I sent an appeal letter along with the police report XX/XX/2020. I called Target today XX/XX/2020 to talk to a fraud supervisor and all I get is the run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a company debit my account for a rental after the rental was returned to them for another week even though the rental is back in their possession Ive gotten everything to the bank to show them that I no longer have that vehicle in my possession. They gave me my money back twice and took it 3 times for the same dispute I cant talk to anyone about it just leave messages. And no one calls just sends letters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My grandfather helped me buy a New 2020 XXXX XXXX XXXX at XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/2020. The list price online for the vehicle was {$22000.00} for the XXXX XXXX which is the lowest priced trim level, XXXX XXXX charged me {$34000.00} improperly inflating the MSRP, charging me for the XXXX XXXX XXXX XXXX ( {$35000.00} ) when I purchased the XXXX XXXX XXXX ( {$23000.00} ). I believe this is grounds for Auto Dealership fraud by Inflating the total purchase price above the invoice or sticker price, such as by concealing options I did not request, or by including other unapproved and undisclosed fees as well as bait and switching on the company 's website. I am requesting my loan to be adjusted and/or refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried several times to fix this inaccurate public record on my consumer report. My file has been mixed or merged with someone elses and the bureaus failed to properly investigate. They said they verified with XXXX XXXX, XXXX XXXX removed this fraudulent public record after an investigation ( I have attached proof ). I contacted the US Bankruptcy court they said they did not report any information concerning me to any of the bureaus ( I have attached proof ). Lastly I have filed a report with the CFPB about my situation with the merged file ( I have attached proof ). I will not stand for this blatant violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
3 weeks ago I found a money order that i drew out on my account with formerly known as Washington Mutual who is now Chase Bank. The money order was drawn out years ago but never cashed. I pulled the money order from my account with the bank but now because its drawn out on a now closed washington mutual account they will not honor my money order and refund it. Chase bought out Washington Mutual years ago but I was a customer with an active bank account that was transferred into chase when chase took over. So Chase should honor the money order being that it was drawn out on my account with them when they bought Washington Mutual. The money order is for XXXX dollars and has been returned to me twice even after i was told they would honor it if i could provide the account it was drawn from. That account number with Washington Mutual is XXXX. This account was then transferred to my now Chase account when chase took over. This complaint is made because i feel like they are stealing XXXX dollars from me regardless on how long ago the money order was drawn. Where did the money go? The money order was never cashed. Therefore i should be refunded regardless on time passed. I have been issued fees for depositing my money order twice after speaking to Chase and being advised it would be honored. 
My account now with chase is XXXX. This is the account that i transferred into when Chase took over Washington Mutual.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2020 I spoke with someone at EOS and I informed them that I knew nothing about this alleged account but wanted to get over and done with it. After further review I have found out that this account was a result of identity theft. I did not open or authorize this account, and I request that it be closed and immediately removed from my credit file from all there credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Good afternoon, I sent my right to cancel in on XX/XX/202 at approx. XXXX XXXX/L to the message center and to XXXX XXXX the following week I received a check from XXXX XXXX XXXX. I began to reach out and find why I received the check and what they wanted me to do with it as I had canceled the refi process. On Monday the XX/XX/XXXX I called Freedom Mortgage and spoke with a XXXX XXXX. I explained my situation to XXXX he informed me that he was reaching out to XXXX and his supervisor and would call be back. On Wednesday  XX/XX/XXXX I called Freedom Mortgage and spoke with a XXXX XXXX. I explained my situation to her and informed her who I spoke with she said she was look into it and get with a supervisor and would call be back that day. On Thursday XX/XX/XXXX I called Freedom Mortgage to get a status update and XXXX happened to answer the phone again. We had a discussion as to what was going on and why he didnt call back. I asked to speak with a supervisor and was transferred to XXXX XXXX. I explained to XXXX the situation she said she would call me back within 24hours to give me a timeline I waited approx. 28 hours before I tried to call her back on her direct line, she provided to me when we spoke. The call was not answered I left a voicemail. I received an email from XXXX XXXX on XXXX and approx. XXXX/L had no update on timeline for correction. I called XXXX XXXX direct number on XX/XX/XXXX as I have not heard anything with no answer. I then call the customer service number on the website and ended up getting a phone number for management team. ( XXXX ) XXXX XXXX, the number provided hangs up as I was not provided a state code. I called back after googling a state code and was told I had the wrong department. I was transferred to customer care spoke with XXXX ( XXXX ). XXXX said he sent my information to XXXX XXXX but she was in a meeting. XX/XX/XXXX approx. XXXX/L I have not heard back from anyone at Freedom Mortgage, logged into website no changes indicated there. They have had ample time ( 10 business days since I made them aware 23 days since loan funded after XXXX filed ) to provide a timeline and or correct the problem. No communication initiated by Freedom next step file complaint with CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My stimulus check is bottled up with American Express Serve ( dba American Express National Bank, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). 

The IRS notified me ( via an email ) that the funds were deposited into my Serve account on XX/XX/28 but it does not show up in my Serve account ( screenshot of IRS notice is attached to this complaint ). The Serve website says Serve would send him an email to notify me when funds have been deposited, but I've not received any email. And they are not taking any calls on their website. 

I have sent them a letter ( US Post Office ) but have not heard back. 

I've contacted American Express, the apparent parent company, but their phone reps say there's nothing they can do but take down my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: LTD Financial Services, L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent LTD FINANCIAL SERVICES a letter of proof of validation on XX/XX/2021. LTD responded with a letter that didnt provide/show proof of validation.LTD FINANCIAL sent me a old bill which is not a proof of validation per law. I sent a letter demanding removal due to LTD not complying with the law which states they most provide proof of validation and investigation within 30 days of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was offered a loan modification after I came out of Covid-19 forbearance. The modification trial payments were to begin XX/XX/2021 in the amount of {$380.00} a month. I later received a letter from my mortgage company saying there was an Issue with my title and I needed to submit information to them via email by XX/XX/2021. The letter also stated until the title Issue is resolved I should continue to make my trial payments on the due date. I was able to track down the lien on my home and paid the XXXX XXXX XXXX  XXXX to satisfy the lien. I sent documentation XX/XX/2021 from the XXXX XXXX to my mortgage company with the satisfaction of lien that was being sent to the county to be recorded. The document contained all relevant information however it was not the official recorded copy. I then proceeded to make my first modification payment as instructed on XX/XX/2021 via XXXX XXXX. On XX/XX/2021 the lender rejected my modification payment citing there was no recorded copy of the lien release to which I informed them I sent the letter directly from the XXXX XXXX, however I am waiting on the official recorded copy from the county. Since the payment was rejected I am now out of the service fee provided to XXXX XXXX  in addition to needing to wait up to 10 days for the payment to be returned to my account. I feel I am not being treated fairly as I followed directions given to me and was told to continue to make my trial payments until the title Issue is resolved which the lender knew is in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a wells Fargo checking account and I was informed that my account was XXXX overdrawn due to returned checks but I never deposited or tried to cash any check I didn't even have a check book with my account next thing I know my account is totally just erased bo Trace of me in there system I was told by several agents my online login information was just completely gone and I couldn't even find my account with my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America Home Loan 's fraud into my account continues. Today this outstanding balance on my account has jumped to {$310000.00} with a interest payment due of {$3300.00}. It's illegal and criminal. Bank need to STOP all these illegal activities into my HELOC account # XXXX now, come clean, reinstate all correct entries, stop harassing me and above all explain and apologize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief