davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (NJ)

TD Auto Finance lost the Title to my car after I completed paying the loan.

TD Auto Finance has been awful at communicating or providing appropriate paper work for me to obtain a duplicate Title. I have spoken with the people who answer the 800 number at least six times over the last 3 months. They often can not provide information on the status of my Title or paperwork to replace it because that information is with the Title Department and they can only pass my questions or requests along. All the while my vehicle depreciates and I can not sell it. This has been a frustrating experience. I made all of my loan payments on time to completion last XXXX. 
TD Auto Finance has been and continues to be awful to deal with. 
I have yet to receive the appropriate Lien Release Letter that would enable me to go to my local DMV to replace the Title they lost. I am sure I will have more frustrating phone calls until this is resolved or I will have to hire a lawyer.
Consumer complaint received 2021-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

We have banked with Wells Fargo for over 20 years carrying large balances in our savings account. Their practice is to slowly reduce interest payments to near zero over time. When you confront the bank they tell you to open a new account because you are in a low yield account. I just want to get paid the highest rate appropriate and reimbursed for the interest income they stole from us. I am not interested in opening another new savings account to receive the appropriate interest rate. It's fraud and they are stealing money.
Consumer complaint received 2021-03-06
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: Convergent Resources, Inc. (GA)

On XX/XX/2020 Convergent Outsourcing Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021 I deposited a check ( check # XXXX ) in the amount of {$10000.00} at our local ( XXXX XXXX ) Bank of America ATM machine. The check was to be an in-bank transfer from our business account to our personal checking account. We complete the same exact deposit every month from the same ATM machine. The amount was debited from our business account but never made it to our checking account. 
We deposited two other checks ( check # XXXX : XXXX and XXXX ) for the same amount on XX/XX/XXXX and XX/XX/XXXX ... which has lead to some confusion. 
We spoke to three separate Bank of America banking agents on three separate occasions for about an hour each time to no avail. They keep saying that they are investigating the matter and that they will escalate the matter but this amount still has not been found nor returned to us.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WA)

This is part 2 of a partially resolved issue. 

After issue 1 ( CFPB # : XXXX ) was resolved, I was not given a refund for my overpayments which were made to ensure there would be no incorrect reporting to the credit agencies. 

The original purchase was made during a promotional period, 18 months interest free. I paid the the purchase off in 18 months, but was forced to make 19 payments to keep the account current ( see issue 1 ). I'm owed {$190.00} for the overpayments. 

The original balance was XXXX, I paid a total of {$3300.00}. XXXX = {$190.00} Attached are the bank transactions proving payment.
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (IN)

I have a mobile bank account with a bank called current and I got hacked and contacts added out of no where and I got my tax return XX/XX/21 and it was {$1800.00} and when I went to check it was sent to a random person in four separate payments a {$40.00}, {$1000.00}, {$500.00}, and {$300.00} payments to a guy named XXXX XXXX who lives in XXXX, New York. I reported this to the company and they are investigating it but I wanted to get more people involved to try and get all my money back and they locked my account to every other device except my own. But they said they might not get all my money back.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

I am an American Express XXXX card member for which privilege I pay {$5000.00} a year in fees just to use the card. I called the company to make a payment on my account. I was on hold for more than 5 minutes. This is different than the service levels the company advertises when procuring the card so this is a clear case of bait and switch. ( Case # XXXX ). 

I called to pay the balance due on my card. American Express told me that no payment was due on my account and they would not take a payment even though the balance due is in excess of {$8800.00}. ( Case # XXXX ) This level of service is absurd for someone who is supposedly a good customer and has been so since XX/XX/XXXX.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed. 
The company did not responded in the time allowed so these accounts should be removed.i received notice of receipt on XXXX XXXX, XXXX and XXXX with no response and it is past the 30 days
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and WITHOUT ANY EFFORT TO PROVIDE EXPLANATION AND SPECIFIC DETAILS OF MY VIOLATIONS. It also froze my hard earned money from my bitcoin trading for 180 days which is clearly a violation of my right and a due process. I explained everything from my side and provided everything they required from me but still to no avail. What they did is a grave abuse of discretion. I am not sure if this is some mistake as I hope it is. I have not been able to get help from them but I learned from an article that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal especially DURING THIS CRISIS OF PANDEMIC where people like me are doing to survive and to have a life. My email linked to my PayPal is " XXXX ''.
Consumer complaint received 2021-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

On or around XX/XX/2021, I called Shellpoint Mtg to inquire how to have my payments applied to my principal balance and deferred principal balance. I spoke with a man who informed me that the principal balance on my account was {$130000.00} and the deferred principal balance was {$650.00}. He assured me that I could pay these balances which would leave only accumulated late fees on my account. I made the payments separately as he stated it would be easier to apply them to the correct balances. I received confirmation number XXXX for the {$1300.00} and confirmation number XXXX for the # XXXX. Both amounts have come out of my checking account on XX/XX/2021. To my dismay when following up on my balance on XX/XX/2021, I spoke with XXXX XXXX and found that XXXX applied my {$650.00} to the monthly payment amount, and the {$1300.00} was sitting in a dormant state and not applied to anything. After a long discussion she stated she was a team lead and would correct the issue by applying the funds where they were designated to go. She assured me it would be corrected. I called back on XX/XX/2021 and spoke with XXXX and as suspected the funds were still in the same state. I have been trying to pay this mortgage off but they continue to hold my funds to charge me more interest and late fees. I paid enough funds to have my entire principal balance paid off, but the automated recording is saying I have a payment due on XX/XX/2021. This is very poor customer service and bordering on illegal. How can you ask me for payments with my funds sitting in a dormant state. My next step is to go to my local news station, and XXXX concerning the practices of Shellpoint mortgage Servicing. I will send a copy of this to Senator XXXX XXXX when when creating the CFPB to stop this type of malpractice, needs to be informed that companys like Shellpoint are laughing inn her face and not taking the banking reforms seriously. XXXX XXXX will also receive a copy of this.
Consumer complaint received 2021-03-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have sent numerous dispute letters to XXXX, XXXX, and TransUnion disputing an erroneous bankruptcy that is being reported. The credit bureaus have failed to provide the necessary validation to keep the bankruptcy on my credit reports. I have attached the latest dispute letters and have provided the certified mail receipt numbers as evidence. 

Certified mail receipt numbers : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-07
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: EQUIFAX, INC. (FL)

I contacted XXXX, XXXX, and Equifax on XX/XX/2021 by Certified Mail regarding removing unauthorized inquiries. 35 days later, these inquiries are still showing on my credit report. I sent another Certified Letter on XX/XX/2021 requesting that the inquiries be removed.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I was the victim of identity theft with Citizens One personal loans in XXXX of XXXX ( two different loans ). I did all requested procedures including a Police Report and was told I wouldn't need to pay. I filed a FTC report in XXXX of XXXX to document the incident ( FTC report # XXXX ). My credit has been frozen since XX/XX/XXXX. The only way for an account to be opened up with my information is for me to unfreeze all XXXX credit bureaus. 
On XX/XX/XXXX I received the same letters from Citizens One saying they have not received my payments. One letter sent to my house, the other sent to my mothers ( I have not lived with my mom in 20 years ). 

The accounts are : loan # XXXX loan # XXXX I have made many attempts to contact Citizens One using the phone number sent on collection letter. I have never spoken to anyone but get put on hold. I have waited for over 30min before Citizens One hangs up the phone. I have also called the fraud line number that I received last year and the number is no longer in service.

My complaint is three fold : 1. These account have should have been closed last year and flagged by their fraud department.

2. Nobody should have been able to open an account in my name because my credit is both frozen and flagged as fraud.

3. I have been unable to contact anyone at Citizens One regarding this matter. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AR)

I am writing to address the delinquent accounts listed on my credit report, which I recently obtained and reviewed. Upon careful examination, I discovered several inaccuracies and discrepancies that have caused me significant distress and concern.
Consumer complaint received 2021-03-05
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. (TX)

There is a XXXX card listed as a charge off on my credit reports which has not been removed even after disputing and proving its inaccuracy. The charge off is listed as {$800.00} on XX/XX/XXXX and an open date of XX/XX/XXXX, but with pays as agreed status through XX/XX/XXXX and payments listed through XX/XX/XXXX. There is a {$0.00} past due in XX/XX/XXXX, and an {$800.00} balance on a {$300.00} limit listed in XX/XX/XXXX. This is all obviously incorrect and the negative information should have been removed, but it has not.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (OH)

This card was paid off about one week prior to XX/XX/2021 when a payment for {$XXXX} cleared. The next billing cycle was after this date. We paid this electronically by phone and that should have been the balance in entirety. We have had to spend an inordinate amount of time trying to have this account closed. 

When we called to pay the balance in its entirety, we were told that would be the last payment needed. The payment came before the billing cycle. We were advised that was all that we needed to pay. 

We were then sent a bill for {$XXXX}. We called ( reference number XXXX. We were told again that they would be waiving that fee since we had paid it in full. 

We have again received a bill, now for {$XXXX}. We called and gave the representative the reference number above. He stated ( XXXX ) that we had a late fee and that they wanted this amount again. We stated that was not acceptable because we had already paid the balance in full prior to the end of cycle. We also reminded him that we had already taken time to correct this previously. 

XXXX now says that the account is back to a {$XXXX} balance, but was unable to give us a reference number. He did help us to gain access to the website so " You can check for yourself to see that the balance will be {$XXXX} in XXXX hours. '' My complaint is that this billing after payoff is suspect and should be investigated. For someone who does not possess the education and expertise of our agency, they may be in a constant state of paying interest and charges that are certainly not owed. 

I believe that the company should be investigated and these practices resolved. I suspect there are a considerable amount of former or current American Express clients who have been falsely billed and have paid false charges. I would assume this amount would be considerable. 

With respect, I remain, XXXX XXXX XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2021-03-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I XXXX XXXX, sent a letter regarding inaccurate and unknown Items on my credit report on XX/XX/2020. It is 60 days later and I have not received a response yet. I feel like my disputes are being neglected and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (TX)

We began trying to refinance an existing mortgage loan helps by Flagstar Bank to a new, lower rate loan with Flagstar. It has been just over 3 months since we began the refinance process. I have been timely and diligent in sending them all the documents they require. They have not been timely. They keep asking for more documents, sometimes asking for clarification weeks after I have sent them the required information. I feel they are purposely delaying to keep us paying the original loan higher interest rate as long as possible, or even to frustrate me so much that we dont refinance at all so they can keep us on a higher interest rate. 

Today, more than 90 days after the start of the refinance, they are asking for new, not asked for before, information. Also they again, for the third time, want recent bank statements because they have delayed so long that they claim my previous ones are now out of date. 

I urge anyone looking for a mortgage loan to not deal with Flagstar Bank and go elsewhere.
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (HI)

I have been trying to resolve issues with chase bank collections team taking more than I agreed to. 

I dont have a phone plan because Im homeless, due to an accident I recently XXXX XXXX XXXX XXXX XXXX XXXX I was told by chase on XXXX I can use the XXXX  app to resolve this. And they dont ever follow up. They get the messages, they say theyll reply, and they dont. One person told me go into a branch, I went in and was as to leave because I smell! Im homeless, of course I smell! I cant help it!! 


Chase has stopped any reply to my messages!! I need help!!!! They are going to run the clock out and Im going to get hit with another round of late fees. They have already cost me {$60.00} dollars in returned check fees with my other bank and Im sick of this! Nobody has stepped in to help to accommodate my XXXX. 

I missed my payment on my plan in XXXX because i only had enough money for paying my last day of rent. In XX/XX/XXXX I joined a new payment plan. 
The total it gave me was {$320.00} for the missed XXXX payment plus the late fee and the new payment amount for XXXX. I was only given this option to pay this amount, so I scheduled a payment of it. There was only {$320.00} in that account. Chase collections took out {$120.00} dollars and then tried to take the {$320.00}. No where did I schedule a {$120.00} dollar payment. I got {$60.00} in returned check fees from my bank because they tried to take that {$320.00} twice. Why were these charges taken separately? It would be like collecting the missed payment in XXXX and then two payments for XXXX! 

I have been trying to resolve this and they never reply! I dont have a phone and XXXX XXXX XXXX XXXX! Going into the bank is not an option for me, I need correspondence in email because last time I was in the bank they treated me like XXXX because Im homeless and they kick me out. Look at the screenshot, I only scheduled ONE payment of {$320.00}. I have no notifications or emails saying anything about {$120.00} They have not accommodated my XXXX in spite of requesting one, they discriminate against me for being homeless, and they are not answering me. They will then charge me more fees because they say its all late when I have tried for over a week to get this resolved!!! They are already costing me money! 

When I do get a reply, they tell me they sent into the collections team and that team never answers! I was supposed to get a reply 5 days ago. Nothing!