davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
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. (WA)

Ally  Auto owned the loan to my XXXX, in mid XX/XX/XXXX my husband sent them a check for {$25000.00} which should have more than paid off the loan. In late XX/XX/XXXX I called to find out why the check had not cleared and found they had posted the check for only {$25.00}. It took over a month to clear this up. The check has now been correctly posted for {$25000.00} and a refund of {$1400.00}. ** was supposedly mailed on XX/XX/XXXX. I called to find about my GAP refund and was told it was included in the refund ( it is not, the math doesn't work ), I was then told that GAP refund would take 45-60 days. I had cancelled the GAP insurance in early XX/XX/XXXX through the dealership ... I called XXXX XXXX and they confirmed that the refund they issued cleared their bank on XX/XX/XXXX. I called Ally back and gave them this information, after transferring several times they stated that they found the refund {$410.00} but it would still be 45-60 days. I feel I shouldn't have to wait this long, especially since they have had the money over 30 days and that they should be paying me interest on the money they have held over 10 days ( that is more than enough time to cut a refund check ). As of today I have not received refund of the overpayment or GAP they owe me.
Consumer complaint received 2018-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I received a letter from Portfolio Recovery Associates, LLC a few months ago about a debt collection that doesn't belong to me. The name on the letter is XXXX XXXX. I have no knowledge of this person, nor this account. I did not receive any notification about disputing this account from this debt collection agency. I received a second letter on today, the letter is dated XX/XX/2018. I have contacted Portfolio Recovery Associates, LLC before about this account.
Consumer complaint received 2018-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (PA)

I had a loan with PHH Mortgage. They mailed me the XXXX statement and I paid on XXXX, which is today and the due date. But I suddenly got an mail this afternoon from XXXXXXXX XXXX stating my loan was transferred to XXXX with the same due date of XXXX. Both PHH and XXXX didn't give me any notice until today 's mail from XXXX. I logged into my PHH mortgage online account and can not find any information about the loan transfer and the only information I got from my PHH online account was my XXXX balance was still due on XX/XX/2018. I really got confused with which loaner I should pay in such situation as I didn't get the notice from either of them in time. I was shocked by their bad communications with clients.
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

on XX/XX/XXXX a hold was placed on my account for XXXX i immediately contacted bank of america when i noticed the hold on my account i was transfer to a financial investigator who told me there was no information and he would contact me back in about a hour which he did when we spoke he said i had received a electronic transfer for {$150.00} and the person that sent me the transfer claimed they didn't receive the item from me which they did the financial investigator told me i had two claims against me one for {$150.00} and one for {$550.00} which i later found was a lie there was only one claim against me for {$150.00} but i continued to call him throughout that day because i honestly didn't understand what was going on he let me know that i was basically annoying him and for me to stop calling and he would contact me on XX/XX/XXXX which is today and i have heard nothing from him nor have i heard anything from the bank so this was my next option because i am fed up
Consumer complaint received 2018-06-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Step 1 : What is this complaint about? 

Bank of America made a {$6000.00} unauthorized withdrawal taking all my funds but {$100.00} from my personal accounts to pay a business credit card debt that the bank was not servicing. 

Step 2 : What type of problem are you having? 
Could not pay regular household expense Step 3 : What happened? 
After having a business accounts hacked and replace three times, I was reluctant to transact business over the phone and going to the branch to transact payments to the business credit card and the branch would communicate that they are no longer servicing the account, which was in a payment arrangement. As a result a few months went by and to my surprise, BofA took most of my money in my checking and savings account. 


Step 4 : What company is this complaint about? 
Bank of America Step 5 : Who are the people involved?

Collections Department
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

Back in XX/XX/XXXX my wife and I were granted a forebarance relative to our first mortgage ( Santander Bank ) on a second home in XXXX XXXX due to the effects of Hurricane Irma as we currently live in XXXX. We followed the rules and paid the escrow amount requested every month ( {$400.00} ). Because of an administrative mess up the forebearance was continued until XX/XX/XXXX. As instructed by Santander Bank we submitted a plethora of financial information to them to determine how to administer the outstanding amount. In the interim however we were informed by the Santander single point of contact that the servicing for our loan was assigned to XXXX. I was also told that my monthly payment for XX/XX/XXXX was {$890.00} which I paid. 
A few days later I received a call from XXXX and was told I owed {$9000.00} and had to pay by XX/XX/XXXX. Since that time I have spoken with the loss mitigation manager XXXX XXXX ( XXXX XXXX ). However for more than 2 weeks I have not received a call back nor any written communication regarding the change in loan servicing or my situation coming out of the forebearance. In the last three days our credit scores have decreased 90 points each! No one has called back despite repeated pleas for help.
Consumer complaint received 2023-05-07
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. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Dear Sir, Citizens Bank Did not answer my previous Grievance related to US Department of Home Land Security/Law Firm Check Deposits and Check Clearance Records, which are are missing in my bank records and statements. Also, they printed my contact details of phone number wrongly in the response. Also, they added wrong title before my last name in the interim response of Citizens Bank. All my salaries getting deposited to my individual check-in account at Citizens Bank, which are associated to my name, social, name, address and various identification details. Still, Citizens Bank mentioning the title of last name, phone details and various details wrongly in the consumer finance bureau complaint 's response. Citizens Bank intentionally causing troubles to customers and committing fraudulent activities. Citizens Bank mentioned in the response that they would deduct money from my account if account number and routing number given to them by anybody and also there is no value and verification of Authorized checks. Whats the point in giving Authorized Checks and does not give the accurate details of checks to customer if citizens bank does not verify the checks, signatures, various authorized details. Lawfirm confirmed that they correctly deposited the checks XXXX/XXXX in the Bank and Department of Homeland security correctly deposited the checks.Citizens Bank holds the complete legal accountability and responsibility for tampering the check images and numbers in the account statements, manipulating my individual account transactions and various fraudulent activities related to my individual check-in account. Could you kindly direct citizens bank to issue the official letter with corrections of my title, phone number, check clearance records are missing in the Bank Statements, legal terms and conditions for check clearance without even verifying my signatures of my checks and various identification details. Also, I need official letter to proceed with federal officers and Department of Homeland Security. I need to contact Federal Law Enforcement with official complaint by attaching my original checks and immigration procedures and concerned documents. Could you kindly direct citizens bank to response to my complaint in 5 to 7 days. Citizens Bank holds the complete legal accountability and responsibility at Immigration Fraud department if someone claims these checks and gain any immigration benefit using my identification.
Consumer complaint received 2018-06-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

Toyota Motor Credit sent a claim against me for {$370.00} for an end of lease amount due on a XX/XX/XXXX lease. They sent it to XXXX XXXX of New Jersey at XXXX XXXX XXXX, XXXX, NJ XXXX for collection. XXXX made harassing phone calls to me. Previously, I asked them for a justification for the charge. On XX/XX/XXXX, I spent over an hour and half on the phone with Toyota Motor Credit and Toyota Motor Credit was unable to tell me why they say I owed {$370.00}. Toyota Motor Credit patched me to a person at XXXX XXXX. On XX/XX/XXXX, the XXXX Associate told me the the {$370.00} was for for a disposition fee and that he was sending to me proof of this. When I received the package from XXXX on XX/XX/XXXX, it shows that the deposition fee had been waived and the paperwork did not provide a justification for the {$370.00} charge. Being tired of being harassed by XXXX, on XX/XX/XXXX I paid the {$370.00} by mail and filed this complaint.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX Wells Fargo closed my existing credit card tied to my bank account and re-issued a new credit card transferring the existing balance of the old card into the new one. Wells Fargo did not alert me of this change, nor did they link the new credit card to my bank account. Due to the fact that the new card was not linked to my bank account, I did not see any open balances when I did my routine weekly online banking check. 

It wasn't until the following month ( XX/XX/XXXX ), when I received a statement by mail saying that I had a delinquent, {$300.00}, payment, that I was made aware of this situation. I then called Wells Fargo and immediately paid off the balance. I let them know of the situation, I paid off the balance and demanded that they link the account to my online banking so I could set up automatic payments as I had done in the past. I also asked if they could please write a note about this so it wouldn't appear on my credit score since it was their fault, and they said they would write a note on my account to try and prevent this.

However, my credit score has now been lower for several months due to this late payment on an account that was created to replace an old account without Wells Fargo having alerted me, or informed me of the money that was due or the new account.

Please help me fix my credit score.
Consumer complaint received 2018-06-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (IA)

Toyota Financial has been reporting me late on a disposition fee on a lease for over 2 years damaging my credit. When I went to get a home loan it was brought to my attention that I still owed them for a disposition fee. I was contacted by a collection agency at the time with no contact from Toyota. Called Toyota to settle this up and they told me they would not accept payment. So I payed the collection agency that then removed the debt from my bureau however Toyota did not. Called Toyota today and was told I had to pay it again, after being extorted using my pending home loan and closing date against me I agreed to pay it with my debt or credit card. They advised me they would not accept those payment methods and that there was no supervisor I could speak to that if I refused to give them acess to my bank account via routing number and account number then this would remain open and unresolved. I have had no communications from Toyota other than letter offering me another lease and other products. for 2 years I believed this was handled and it was not I am very disappointed in TFS and how disorganized their organization is. Please help me.
Consumer complaint received 2018-05-31
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: Union Home Mortgage Corp (OH)

To whom it may concern Union home Mortgage has checked my credit score on XX/XX/XXXX without my authorization, and I've received hard hits on my credit. 
when I called their office their manager said my wife gave them my ssn to pull up my credit report. I said that I didn't give any authorization to them to check my score and those inquiries should be removed asap. 

XXXX the compliance manager said in the whole US spouses can apply for loan without other spouse consent and they're not gon na remove thos hard hits. he explanied back in XX/XX/XXXX also they pulled my credit score and I want they remove those inquiries from my crdit report as soon as possible since they have checked my credit score without my authorization. they have also caused argue between me and my wife. 

Regards XXXX XXXX
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VALLEY NATIONAL BANCORP (NY)

I have Never applied for an auto loan with XXXX XXXX, Valley National Bank, XXXX XXXX, XXXX XXXX However, there are two inquiries on my credit report dated for these  lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

I have Never applied for an auto loan with XXXX XXXX, XXXX XXXX XXXX, XXXX  OneMain, XXXX XXXX However, there are two inquiries on my credit report dated for these lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.
Consumer complaint received 2018-06-01
Product: Mortgage — Other type of mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: PHH Mortgage Services Corporation (MO)

My name is XXXX XXXX XXXX, and I mother originally start buying a house in XX/XX/XXXX, with XXXX XXXX, but around XX/XX/XXXX, P.H.H. Mortgage Scam Artists got on my mom credit reports and so we thought it was legal until, they had XXXX XXXX from XXXX, XXXX sent us a phony Summons, than it led to another Lawyer Scam Agency, after we went through the XXXX Attorney General. We still are living in my sister 's house because the " Privacy Act Laws, " were not there. The state of XXXX received {$45.00} XXXX  Dollars, and yet my mother and I have received anything about saying we can get back into our home or a Refund .... Thanks.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I've received a letter as well as a response to my complaint that the hard credit Inquire performed by XXXX loans is factual. Factual ... Based on what factual data or documentation? A credit granter attesting that a consumer was seeking one of the three criteria 's stated withing your " question regarding inquiries '' letter therefore making it permissible for said credit grantor to pull ones credit history is not factual by any means! Again I did not request credit of any kind including store or mortgage credit, I did not apply for any services of any kind including utilities, phone, cable or home security, and finally I did not indicate in any way that I was applying for credit of any kind. If you wish for me to consider this mater closed and not peruse further litigation than simply provide proof in support of your claim of said credit inquire being factual where I knowingly or unknowingly requested credit or services from XXXX loans as your criteria defines within your XX/XX/2018 " question regarding inquiries '' letter to me. 

Thank you
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my o

f my Risk View Disclosure report for my own review. My name is XXXX XXXX XXXX my current Em
ployer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following addresses : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Dovenmuhle Mortgage company provided Loss draft procedures for the disbursement of insurance funds due to hurricane losses. The procedures state that 90 % of the TLP will be disbursed to the individual within 5 business days of receipt of the requested documentation. I provided the documentation via USPS Priority mail ( signature required ), however, the company failed to co0mply with the 5 business day requirement and advised me that they had 5 business days to enter into the " Disbursement process '' within their company. I had contractors scheduled to begin work based on the information provided by the mortgage company, however, their failure to comply with their own procedures resulted in delays and penalties to me. 

Spoke with supervisor XXXX on the phone who offered no resolution.