davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/2018 I inadvertently made a payment to Toyota Financial Services for my vehicle that I was leasing from them but subsequently bought through my bank. During my conversation, with customer service at Toyota Financial, I found out that two extra payments were made on the lease and that I was owed XXXX by Toyota Financial. I was told that a check was being issued and should look for it by the end of the week. 
On XX/XX/XXXX no check. I was told that a check had been cut on XX/XX/XXXX but that they will reissue a check. 
On XX/XX/XXXX I was told that a check was issued on XX/XX/XXXX but was not sent out yet and that I should get it by the end of the week. 
On XX/XX/XXXX no check. I received a case number and was told that Toyota financial will overnight the check and I should receive it by the end of the week. 
On XX/XX/XXXX no check. I was told it was cashed and that administration will look into it and I should call back toward the end of the week. 
I have names of people that I spoke with in customer service. 
I have sent an email to XXXX XXXX XXXX and informed him that I have referred the matter to the FTC.
Consumer complaint received 2018-12-10
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: Experian Information Solutions Inc. (PA)

In the month of XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

My loan was purchased by Freedom Mortgage in XX/XX/XXXX. Our home owners insurance was paid for by us through XX/XX/XXXX. Currently- Freedom Mortgage is trying to illegally make us escrow our Home Owners Insurance although we have specifically told them that we pay it on our own. They have not changed their billing and are still trying to illegally make us escrow our Home Owners insurance even though they have no legal right.
Consumer complaint received 2018-12-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: National Credit Adjusters, LLC (MO)

I had this loan from a over a year or two ago and I have paid accordingly to the terms with the exception of the last {$100.00} and some change. I have not heard anything thing fro this company since late XXXX regarding this and I had assumed that this was a current loan that was paid off and I said that to the caller ( its recorded ). This call and the other hundreds of call to my EMPLOYER has got to stop. I can not even answer the phone without them calling from multiple numbers asking for me as if we are friends then tell me they are calling to collect a debt. I have to ignore calls to my job because of them constantly calling me. 

I was told that they have mailed thing to me and I have not received anything in writing from them. 

The called on XX/XX/XXXX was the last time before writing this complaint. A fellow coworker asked me was I ok since she could tell it was a bill collector calling my WORK place. This company has continued to call me at my job since XX/XX/XXXX./XX/XX/XXXX over and over again. I can not have them calling where I work like they have chosen to do so. I want it to stop.
Consumer complaint received 2018-08-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

On numerous dates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX has contacted the a place of business after expressly advising personal calls could not be received. Employee, XXXX, called at least five times back to back on XX/XX/2018, even going as far to call private to try and gain access to employee. This is unacceptable and harassment.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The above law firm representing Midland negotiated a settlement with me on a debt obligation being reported to the three credit bureaus as derogatory/delinquent unpaid. 
I agreed to settle with a payment of {$500.00} in XX/XX/2018 in exchange for Midland removing all derogatory reporting to the credit bureaus and listing the account closed/settled. Instead, the took my payment as a " partial '' and list the account as derogatory with unpaid balance of {$410.00}. 
I am senior XXXX ( SSI ) and had the right to have the entire debt retired under federal law but decided to be responsible and hoped Midland was equally honorable and would adhere to the agreement reached via their legal representative. I am attaching a letter from the legal firm confirming this settlement we agreed to and also have a full thread of e-mails proving how this settlement was reached.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. XXXX USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

For months dating back since XX/XX/2023, Ive been disputing inaccurate information on my credit report as Ive learned through the FCRA. Due to my inexperience doing this I looked up templates online to help type up a dispute letter and what a dispute letter should say. 

Experian, XXXX and XXXX has denied me my civil right to dispute this information on my report. They wont even look into it. They continue to stall by sending letters saying they believe in a third party service etc etc. Everytime I responded by telling them it is me. And I wont even get a response. FCRA, states these companies have 30-45 days to investigate these matters and they have failed to do so, therefore they should be removed. 

I am trying to buy a house and this delaying the process. I can not wait another 2-3 months.
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STERLING BANCORP (NY)

In the process of closing on my co-op and my mortgage company, XXXX XXXX XXXX, states the stock and lease is with an investor and should take up to 4 weeks to retrieve the documents. As of XX/XX/XXXX, it will be 4 weeks from the date they were ordered ( XX/XX/XXXX ) to procure them. As of yesterday, XX/XX/XXXX, my attorney states shes been calling and emailing the banks attorney and has not received any contact back. They know we are up against a clock and will be in breach of contract as of XX/XX/XXXX. As of right now, looks like Ill lose the sale of my co-op due to lost documents that are out of my control.
Consumer complaint received 2023-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I received an escrow analysis from Fifth Third where I have my mortgage. I changed Insurance companies XX/XX/2023 and they paid both my old insurer and the new one. 
They are now asking me to have the old one pay them direct in a specific way. The old one is trying to send the check to me to deposit back into my escrow.

In the meantime, Fifth Third has sent me a increase in my payment of almost XXXX per month, knowing full well they don't actually have that big of a shortage b/c the check they paid to my old insurance company will be deposited back to them. 
They played this game last year as well with my escrow, which was overpaid. They quickly sent me a large check with my overpayment and still raised my payment. It was only XXXX per month, so I didn't pursue a complaint after speaking with them. 
This time it is intentional and unnecessary, b/c they have factored in the return of the funds they will be getting, which they paid out from the escrow account I have been paying into for the entire year.
Consumer complaint received 2023-06-04
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. (OH)

I am writing to formally complain about the recurring issue regarding the display of my account balance on my XXXX ( XXXX XXXX XXXX XXXX XXXX Credit Card. The balance has been consistently displayed incorrectly by a large margin. Currently, the discrepancy is greater than {$12000.00}, which is having a significant detrimental effect on my credit score. 

I have made numerous attempts to rectify this issue. Unfortunately, the problem persists despite my efforts. Not only is this affecting my financial credibility, but it is also causing me considerable stress and inconvenience. 

I am therefore seeking your assistance to investigate this matter and take necessary actions. I also request the following : 1. A detailed explanation of how and why this discrepancy occurred.

Specific information on the steps that were taken in investigating and attempting to resolve the issue.

2. An assurance in writing that this problem will be rectified immediately and will not recur in the future.

3. Compensation for any damage that this may have caused to my credit score and reputation, if applicable. 

I believe that as a consumer, I have the right to receive accurate and consistent information regarding my credit card balance. The constant misrepresentation of my account balance by XXXX is unacceptable and must be addressed.
Consumer complaint received 2018-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (OH)

Portfolio marked my last complaint as a duplicate which it was not and if they mark this the same it It's still a printable complaint which can not be removed from the database.Portfolio is  sueing me for an account which is the result of identity theft.they say because there were payments made on the account that that's their proof and I will be liable for all attorney fees.this is a violation of my identity theft laws to which jhportfolio is in violation of the rules.i never had this card this is identity theft.the thief took out multiple cards and payed on them and then defaulted.other companies have removed thier fraudulent accounts.portfolio says my counterclaim is made out of retaliation, which it is not.it is to make them accountable for thier harrassment of a fraud victim and I will prove this.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SUNTRUST BANKS, INC. (NC)

My general complaint is " authorizations and/or holds '' that are placed on cards by merchants for services to paid at later time and not taken away when bill is paid. When Merchant bill is Paid in FULL, any " authorization or hold should definitely be removed if not immediately then at the very least within 24 hours. 

My recent experience Suntrust Bank over this demands looking into to. On XX/XX/XXXX I checked into the XXXX XXXX XXXX used my Suntrust card and a {$120.00} was put on hold for this stay. 

Upon checked out I paid bill of {$250.00} In Full on another card. Later when I realized something not right was going on with the Suntrust Account and the XXXX. I called the hotel first and they assured me the problem was with Suntrust, so I immediately called my bank to try and resolved this, explaining that the bill has been paid. They said I would need to contact the hotel to get this resolved and I explained I already had and they said " You '' Suntrust Bank is holding this up from clearing. I was also told on this call that it could take 3-5 days to clear. I said that is unacceptable, especially considering you can take my money with the stroke of a key. So, you can understand the frustration if this has ever happen to you. It is like both parties are playing " you '' back and forth like a ping pong ball. So, I recontacted the hotel and they assured me they were not the reason for this charge still being on my account. So, I called Suntrust back again after a 10 minute hold and asked for a supervisor to try and get this resolved. So, when they spoke to me, they told me the same thing ... '' it is the hotel holding this up '' and now this time was told it could take 5-7 days to clear and which time I went off like a cannon on this dude. Plus, to my second surprise, I was told for the First time that the hotel would have to give them a " confirmation '' number in order to get this cleared. I said fine, let 's call them right now, the manager is sitting by the phone waiting for this call. This supervisor refused to call or help other than say " : they need to call us ''. Wow, isn't it great how they try so much to help their customers. Amazing!! 

So, I am sure this has cleared up by today and probably not still an issue, but I wanted you all to know how frustrating this process can be between merchants and banks and that most importantly the customer, the guest or the client, whatever you want to call them, We are the ones that suffers during this process and it should not be this way. 

Thank you for your concern, XXXX XXXX.
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CIBC BANCORP USA INC. (IL)

On XX/XX/18 I received an initial loan estimate and decided to lock in the rate that day and not pursue other lenders. I specifically stated that I did not wish to pay points and wanted to lock in that rate as I was already pre-approved. I had no issues with the banker I worked with during the whole process. On the day of my closing I noticed an additional charge for points and when I asked them to remove the charge I was denied. I spoke to the manager XXXX XXXX who refused to remove the charges because if he waived the fee for me, then he would have to waive the fee for everyone and he wouldn't want to lose money. He claimed to have provided a credit to offset the points, however the credit was on the initial loan estimate so that was a false statement and I couldn't do anything at that point. This type of predatory lending and his attitude was unprofessional and disappointing. I couldn't delay the closing any longer so I signed the mortgage papers. If I could go back I would pick a different lender just because of this manager. I do not recommend using his services.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. XXXX5 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2018-12-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advance America, Cash Advance Centers, Inc. (CA)

XX/XX/XXXX My mom received a call first they did not state who they were they just said they were looking for me if her a phone number and a case number and for me to contact them immediately I immediately contacted them before getting to work and the woman did not say her name she just said she is calling to collect a debt and I asked her okay what day what company she just gave me the name of who I owed money to which is a payday loan she said this loan is from XXXX I told her okay can you give me a phone number and your name and I will contact you immediately as soon as I'm off work she then stated if I hang up on her there will be a police officer at my door a police officer at my job and they will be serving me with court papers because I'm going to be sued for fraud and breach of contract I explain to her I will work something out can I just please give you a call I have to go into work she then yelled and said do you not understand that if you hang up now it's going to be that you are unknown cooperative I explain to her I will cooperate if you let me give you a call back she then said no I'm sorry I'm going to put you down as uncooperative and that's it I hung up on her I then received five more calls from a different phone number and the lady did not say hi my name is or anything she just said did you talk to anyone I explained to her who is this she said I asked if you talk to anyone if not you're being sued I said who is this and she did not say her name she was just giving me attitude she also said I can do payment plans I told her okay I will do a payment plan but I need you to send me your information through email so I know where my money is going she said first payment you make then we will send you information I said no and then I told her I am not off work yet I will call you back when I'm done she then said no we're stealing you that's it I don't care we're going to garnish your wages we're taking everything that you have because you owe us {$450.00} I hung up on her and she kept calling and calling and calling and calling me it's frustrating because I am a single parent of two kids I don't make enough every two weeks and I'm barely getting by and for them to threaten me that I'm going to jail is just not okay because I'm literally all my kids have.