davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
Product: Vehicle loan or lease — Loan
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 (MD)

On XX/XX/XXXX I financed my used car through Lexus Financial Services. As you can see in the letter attached, dated XX/XX/XXXX, Lexus Financial Services confirmed payoff of loan and stated the following in regards to my title, " At this time, we have not yet received the Certificate of Title or lien from the vehicle titling agency where the application was filed. Once we receive the document ( s ), we will forward it to you ''. Of note, I also paid Lexus of XXXX, where I purchased my car, to coordinate the registration and transfer of my title, registration and license fees have not been provided.

Now, 8 weeks later, I have not received the promised documentation from Lexus Financial Services and they are unable or unwilling to tell me the location and status of my title.

Lexus of XXXX 's staff informed me on XX/XX/XXXX that they paid Maryland 's DMV for my vehicle 's registration., I followed up, in person, with the State of Maryland DMV on XX/XX/XXXX to confirm this, and was told that the Department had not received payment nor other documentation for the registration from Lexus. 

On XX/XX/XXXX, I received a second notice ( see attachment ) from my current lien holder, the XXXX XXXX XXXX XXXX, notifying me that they have not received the Certificate of Title. Furthermore, the XXXX XXXX XXXX XXXX staff notified me via telephone that I am at " risk of defaulting '' on the loan, because they have not received the title certificate. 

I also called Lexus Financial Services, most recently on XX/XX/XXXX and they confirmed that this title was sent to me, but as of XX/XX/XXXX I have not received it. 

So, neither my current lien holder, the XXXX XXXX XXXX XXXX, nor the State of Maryland, where my vehicle is currently registered have received the vehicle title from Lexus of XXXX or from Lexus Financial Sevices ( this after waiting two months and making multiple requests ).

Please help me secure my Title information. 

Thank you.
Consumer complaint received 2017-05-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

XXXX serviced of my loan until Navient took over in XX/XX/XXXX. During the time they held my loan, beginning in XX/XX/XXXX, they constantly steered me towards Deferment, Forbearance and Hardship Forbearance when I would have qualified for those six years they serviced my loan for an income based repayment plan. Had is been accurately provided the information needed to make decisions based on all of the available options, I would be nearly 10 years down an income based plan that would have my loans discharged after 300 months of consecutive payments.
Consumer complaint received 2017-05-12
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)

I was informed on  XX/XX/XXXX  that on  XX/XX/XXXX  I called in a decided to dispute all accounts that were on my credit report and have them disputed when that isnt true. I am a victim of identity theft and im treated as if im the wrong do-er! I call in and all of a sudden put in a department called ( CONSUMER AFFAIRS IN EQUIFAX ). I called several times after seeing that my credit report had changed significantly after my identity was stolen. I was hung up on by a Lady in that department her name was   XXXX   XXXX  , I was hung up again on  XX/XX/XXXX  by   XXXX   and lastly by  XXXX  in Fraud department! Ive never known so many people to hang up and treat a person thats a victim like this. The accounts that were put back on my credit report ill list below, but I have contacted them and they said that someone from Equifax personally reached out to them and remind you this was after this account was deleted and removed from my report! (   XXXX   XXXX   ) also contacted   XXXX   and  XXXX  they also stated they received a electronic response on the XX/XX/XXXX  I didnt authorize this and im very upset about this!
state farm bank {$35000.00}, harvest associates $   XXXX  - {$510.00},   XXXX   XXXX   {$260.00} - {$230.00} and 4  XXXX  accounts. Inquires that should only be on there are   XXXX   XXXX    and   XXXX   XXXX   XXXX  . Equifax consumer affairs pulled my credit without my consent and it caused my score to drop  XXXX  points. After being lied to by ms.  XXXX  and   XXXX   XXXX   that no one pulled it and my score culdnt go down if they did pull it.   XXXX   XXXX  , 2   XXXX   XXXX   accounts and   XXXX   XXXX   XXXX   should be the only accounts listed. But Equifax you have forcefully put old accounts that were verified as not mine on my credit report and I asked you to stop the disputes once i found out  XX/XX/XXXX and you refused and I told you i had rights and would contact the FTC and you stated   XXXX   XXXX   that i needed to do what i needed to do! so i am! So please remove these accounts because they are not mine is all im asking. Was no need to monitor and report my account because i call everyday to make sure that my credit is correct. I have rights as a consumer and i refuse to be treated like im not a victim when i am and all i wanted was truth and to be helped!
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (TX)

I have an LTV of < 69%, and >12 months Clean Payment History. I requested my escrow account waiver for 4 months, with many different responses to why my request was denied. Each time, became much more difficult to request the waiver. It leads me to believe they purposely were trying to hold my funds for their own interest, which is disheartening. When I would call back to request status, I would get different responses. Upon request, I re-sent my request to the subservicer,  XXXX ,   XXXX  , who was going to re-process my request for the waiver; however, when I called back on  XX/XX/XXXX , they demanded I resend in a new request. This was the first time I was told I did not have to re-fax it in to them, but they did let me know, that I still needed to make my full PITI payment. At this point, I believe that Franklin American is being difficult because they don't want me to self-administer my own taxes and insurance. This is very poorly viewed from someone who has never missed a mortgage payment, ever.
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This collection is being reported by  Fair Collections and Outsourcings on my wife and I 's credit report. This began as a fraudulent charged from its outset. My wife and I were ch arged by an apartment complex  (   XXXX   XXXX ,  XXXX , TX  )  {$170.00} for " cleaning and resurfacing '' after we left in late  XXXX   XXXX . When we left, the apartment as clean as it could be without actually hiring a cleaning service. The only cleaning that was n't done was dusting the top of the refrigerator because my wife could not reach that portion, and I was at work. We asked the apartment complex ( run by  XXXX   XXXX   ) t o provide proof as to why we owed this amount and they never did so. We also notified the complex that one of the countertops was not maintained properly before we moved in. We put in multiple maintenance requests that were never completed. After no proof was provided by the apartment complex, we refused to pay. After only one month of owing the reported balance, the apartment complex sent the amount to collections, held by  FCO , on  XXXX   XXXX ,  XXXX . After a few years of reporting to our credit, we decided to dispute the debt. FCO sent back a picture of the original bill stating the debt was verified but no actual proof as to why we owed that amount. We ended up settling the debt in  XXXX   XXXX , with the impression that the debt would just be cleared but it was n't, and we 'd like them to be removed from our credit report.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I placed a {$500.00} deposit to lease  XXXX  cars from  XXXX   XXXX   XXXX  on  XXXX   XXXX   XXXX ,  XXXX , NY. on Saturday  XXXX   XXXX ,  2017 . On Saturday I was told by the salesman that I was approved and asked when would I like to pick up the cars. I even test drove  XXXX  of the cars on Sunday and was reassured that we were all good.     On Monday I received a frantic call from th e Business manager, sa ying I was not approved for tier  XXXX  credit but he did get me approved at a slightly higher payment and a bit more out or pocket. That night when I went home I learned from my credit report service that my credit was ran   XXXX   times between  XXXX  and  XXXX  through many different lenders. I then called and asked why they ran my credit so many times and the business manager said he has been " doing this 40 years and if he had to call me to get my approval before he contacted each bank he would be out of business ''. I immediately cancelled my deal as I would never want to do business with anyone like this.     Bottom line, I never authorized them to run my credit and certainly not 9 times through multiple banks and I was never asked or informed along the way. Furthermore, they were very arrogant and said this is the " way they get deals done ''. I am strongly considering a refinancing of a home equity loan and these  XXXX  inquiries will hurt me in obtaining credit at a reasonable rate.     In my view this is no different than what happened at  XXXX   XXXX  with the opening of unauthorized accounts. My credit report was ran 9 times without my authority and this is a violation of all fair business principles.
Consumer complaint received 2017-05-15
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: Experian Information Solutions Inc. (MS)

the better business bureau referred me to CFPB because the problem goes back to  XXXX .   XXXX    refuse to correct my credit report and score, my  credit score  was  XXXX  in  XXXX  and it remains about the same to date. I paid off an SUV in  XXXX , paid as agreed never late,  XXXX  reported it for a while and then dropped the report but keep the score the same,  XXXX . It is my understanding that the report is to stay on your report for  ten  years, I contacted the credit grantor and they said they would report the credit file to  XXXX  but to date, my score has not changed.   I want  XXXX  to report the file for the SUV purchased in  XXXX  thereby extending my credit history to  XXXX  and not  XXXX .   I have contacted several times with the same result, no change in my  credit score,  I need help!
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX Since around XX/XX/XXXX, I have NOT been able to access my California issued Employment Development Department ( EDD ) - Unemployment Benefits Visa Debit Card, serviced by Bank of America ( BOA ).

I can NOT login to my Account on Line, it says " Your account can not be accessed. Please call the number on the back of your card. '' I have called BOA numerous times ( roughly 20+ calls ) with no resolution. I asked to speak with a Manager/Supervisor, and was placed on hold for approximately 40 minutes. I could wait no longer.

I was ultimately told by BOA staff that only EDD can unfreeze my account. 

I contacted EDD repeatedly. They reviewed my account and said there should be no freeze on my account. As I DO NOT have an " active '' claim with EDD, I was told the matter is between BOA and myself.

I asked BOA to provide me with a WRITTEN explanation as to WHY my account is frozen. They refused. I was told there is NO TIME FRAME for resolution of my frozen account issue.

I again, contacted EDD who explained there " may '' be some technical issue, and that they are looking into it. They could not give me a date as to WHEN they might communicate with BOA and resolve the problem. 

As an XXXX Senior, I am now facing dire circumstances including Food insecurity, Gasoline insecurity, Housing insecurity, Transportation insecurity, NOT being able to make needed Medical and Dental appointments, missed Insurance Premimums, and soon to be missed Car Note and Automobile Insurance and related payments. 

I feel like this is the XXXX 's -- that I read about in the History Books -- and, it's SCARY when you can not withdrawn much needed benefits to pay for your basic needs, FOOD, CLOTHING and SHELTER!!! 

My research reveals that this may be a MASSIVE PROBLEM. And, I believe the United States Government should STEP IN ... and MEDIATE the resolution of the problem between BOA and EDD.

As an American Citizen, I feel that my CONSTITUTIONAL RIGHTS and CONSUMER RIGHTS have been VIOLATED.

ALL I ASK is for the PROMPT and IMMEDIATE resolution to this debacle. 

Bank of America is the Nation 's 2nd Largest Bank... It's EASY for them to read a script and SAY there is NO TIME FRAME for resolution. BUT, for myself and MANY MANY OTHERS, each day of frozen funds is health and life threatening!

CFPB, I PRAY for your help with this matter. " In God, We Trust ''.

Sincerely, BOA / EDD Benefits Recipient
Consumer complaint received 2017-05-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WI)

I believe I  was one of the people affected by Navient 's deception with their student loan borrowers. I did n't receive timely informatio n about renewing my income-driven repayment plan, and they kept sending messages through their secure website which I struggled to find and log into and then you have to have a PDF reader to even open them. This caused me to not meet the deadline to re-apply for my income based repayment plan and my loans jumped up hundreds of dollars. I also do n't believe they allocated my payments correctly because it does n't look like anything went towards the principle. All payment we n't towards interest and yet my interest was still climbing. I believe they deceived me in my income-based repayment plans because they had my monthly payments at {$0.00} at one-time but they did not allow me to make any payments since they showed that {$0.00} was owed each month. So my interest continued to accrue but I was n't able to make payments. Then when they did show that I owed, they would n't let me pay more than what the monthly amount was owed so I was never able to pay off more every month so that I could work towards getting my principal and interest down. When I called in they tried to get me to take the forbearance plan so that I did n't have to make any payments but I told them the issue was n't that I could n't make payments but that I could n't afford the hundreds of dollars a month they wanted me to pay.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I asked Experian to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, XXXX has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide to resolve the inaccuracies in my credit report.
Consumer complaint received 2017-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I mailed a Multiple  Inquiry Removal Letter to TRANSUNION on on  X/XX/2017  by cert ified mail in order to dispute information, in regards to (  XXXX   )  inquires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they completed the request on (   X/XX/2017     ). The request that I submitted included Inquiries that were NOT factual and I received the same responses for ALL inquires, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investi gate and respond, the CRA must delete the disputed information from its files. The fact that I received a respons e ( NUMBER )  days after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (VA)

I graduated from college in  XXXX  with a starting balance of $  XXXX  -it is n ow  XXXX  and the current balance is   XXXX    XXXX . I have requested the original information on this loan and was not provided with that or payments since  XXXX . I was sent information from  XXXX  on. This information was sent from  XXXX -which is a nightmare to deal with. They tried telling me I needed a reason for asking for the payment information and then sent me someone else 's loan information! From what I can tell with the information I have received the interest rate ranges from 5 %  -5.3  %? I know there was a time I did not pay and was in deferment, but I am guessing no longer than maybe 6 months? I have paid on average {$190.00} a month ( I think even more when I first began payments on the loan ) so according to the figures I receive I will have paid almost double of what the original balance was!   I sent in application for  Public Loan Forgiveness s o now my loans are through myfedloan servicing. According to them I do not qualify for the forgiveness and I have sent them an email asking for some explanation on these numbers and I have not received any response. I would like some help/questions answered as to how this is fair and possible that this loan will not be paid off until  XXXX . It is really mind blowing if this is correct and how student loans are done.
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

In XXXX of this year, I accessed my credit files through one or more of the credit bureaus and discovered a collection under the business trade-line for XXXX XXXX XXXX. This collection was placed by Resurgent Capital Services on " behalf '' of Pinnacle. " Resurgent is the owner of " pinnacle, '' which is easily provable through business records. Following my discovery, I disputed the alleged account with the credit bureau, I filed a complaint with the appropriate Better Business Bureau. I also sent a letter ( priority mail ; delivery confirmation ) directly to Resurgent disputing this alleged account. To date, I have not personally received any form of communication from Resurgent. An " XXXX XXXX '' ( who states it represents the compliance department ) did respond to the complaint with the BBB. That communication was forwarded to me. XXXX has made several false claims ; Beginning with the stated fact that this account had been " properly '' verified. I have never received any form of communication regarding this alleged debt ( written or verbal. ), from Pinnacle or Resurgent. There is the claim, that this company is in compliance with the FCRA and the FDCPA, however, I can prove that there are several violations of both. XXXX, also states that Resurgent " utilizes '' numerous third-party collection agencies, this account has been placed with more than one of these third-party agencies. XXXX has alluded to an internal investigation concerning this alleged debt. Followed by a statement that contradicts an investigation having been conducted. XXXX also falsely accused me of making statements that I did not make. And that is also easily proven. This XXXX has stated that it is MY responsibility to provide this company with proof that I do not owe this debt. This company has made the claim, alleged and/or accused me of owing this alleged debt. It is the responsibility of the company to legally prove that this is a legitimate debt. That I am legally responsible for this alleged debt. XXXX made more than one statement that can be construed as defamatory. Statements, that I consider expressed and implied threats. XXXX, on behalf of Resurgent has infringed on my legal rights. As well as attempting to use intimidation/bully tactics to force me into complying/agreeing with the narrative of Resurgent. I have attempted to get the appropriate information regarding the alleged debt directly from Resurgent. As I have stated, to date, Resurgent ( or XXXX, acting on behalf of Resurgent ) has refused to supply this information. Resurgent/Pinnacle need to be thoroughly investigated by both the Federal Trade Commission and the State of Georgia Attorney General 's office. Though, this XXXX, is only acting on behalf of Resurgent, this person needs to be held accountable for its words and actions.
Consumer complaint received 2017-05-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Financial Services (IL)

My business with Consumer Financial services was for a car loan. The car was totaled. I contacted  CFS  to inform them not to take the next payment because the car was totaled and that my insurance company will be in contact with them. The insurance company contacted them and informed them of the same information I provided. They were also, given a claim #. Within in the next day or so they withdrew money from my account after I asked them not to because the vehicle was going to be paid off. A few days later, I go into the establishment to pay off the lo an  XX/2016 . I as ked how much and wrote a check on the spot. Balance became {$0.00} received a receipt to prove the balance was {$0.00} A few days later I was told that I still owe an amount. I was dumb founded because I paid them the amount they told me I was paid in full. Fast forwa rd  XX/2016  CF  S w as calling me non-stop everyday all day for about a month about money they claim I still owe them. They attempted to take money out of my account again without my knowledge or consent. Recently, CFS have also, ran my credit again without my knowledge or consent. The call and harass references and tell them my personal information on a car loan was clearly paid off.