davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

Since our initial complaint # XXXX has not been resolved by Tiaa, we are making a second complaint. Tiaa will not remove their forced insurance and saying that we are seven months in delinguency. Our insurance, XXXX and we have sent Tiaa our policy and renewal several times and at Tiaa 's request XXXX and we have sent the complete payment schedule to Tiaa. With no response, we called after a week and they said they were working on it. Since, XXXX  of this yea, r this has always been their response and this working on it, is their code word- we have trashed it. At Tiaa 's request the U.S. District Judge of the XXXX District of Georgia 's bankruptcy court ordered us to make a monthly payment to Tiaa. In XXXX, XXXX and XXXX of this year, Tiaa ordered us not to make this payment along with our morrgage payment - going against the U.S. Judge 's order. Around XXXX XX/XX/15 we received a statement from Tiaa stating that we were delinquent and behind 7 months and that our next payment has to include an insurance mayment. Tiaa will probably block our XXXX payment. We ask that Tiaa remove this illegal, illicity forced insurance, not in a month, or several month, but at once!
Consumer complaint received 2021-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I obtained this loan in a tight spot due to a family emergency. Never did I imagine this con artists would still be trying to rip me off after paying over {$15000.00} on a borrowed loan of {$3100.00}!! I put an immediate cease and desist on them because after setting up arrangements on my payday every month of the XXXX, they continued to harass me via email, which I NEVER gave them authorization to do so but only for receipt of payment, as well as ridiculous calls to my cell and work. My attorneys, who I worked for grew concerned and asked if I needed assistance, but I wanted to take care of it myself. I replied to their emails in an angry and unprofessional way but they stopped contacting my cell. Recently in XXXX and XXXX, they left voicemails again and apparently tried my work again. I took screenshots and have attached the ones they left messages on. They also illegally took money from my account when I informed them of this. I spoke to a manager who acknowledged they got the notice but they did nothing. My bank finally refunded me all the fees and monies while I was furloughed in XX/XX/2020. They are negatively impacting my credit and refuse to satisfy this debt after paying over {$15000.00} on a loan of {$3100.00}. They need to be criminally investigated and I am seriously looking into a legal class action suit.
Consumer complaint received 2021-09-27
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: Westlake Services, LLC (IN)

On JuneXX/XX/2021 I traveled from Indiana to XXXX, New York to purchase a vehicle from a private seller. I was told there was a lien on the vehicle, so I traveled with the seller to his bank, XXXX XXXX XXXX, and I paid off the remaining loan on his vehicle, XXXX approximately. I gave him a total of XXXX for the vehicle which he had previously purchased from a dealership for around XXXX. I recived the title for the vehicle, bill of sale, and lien release. 

However, on return to Indiana and while attempting to register the vehicle, I was informed that I could not register it due to the fact there was still an open lien on the vehicle through a different bank called Westlake Financial based in XXXX XXXX, CA. I have attempted to contact Westlake over 15 times concerning this issue via both phone and email. I have sent them a number of emails stating my situation and providing proof of ownership with scans of the title, bill of sale, ect. but have received no response.

I simply want to know if there is in fact a lien still on the vehicle, how much money remains to be paid off, and if the lien has been satisfied I would like to receive a lien release so I can finally register and drive the vehicle I paid for. The previous owner is not cooperating either, but Westlake should be able to provide me with the information I request at this point. Thanks for your time!
Consumer complaint received 2021-09-27
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: LEXISNEXIS (IL)

Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.
Consumer complaint received 2021-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (TX)

I entered into a Rent to Own agreement with Acima to purchase furniture at XXXX XXXX in XXXX Texas. At the time of the application, I entered my bank routing number and debit card information. Please note that this was my second time using this company. 
I did not note any issues with the account as the company is supposed to pull my payments bimonthly automatically. It seemed that there were billing issues, so I decided on XX/XX/2021 to exercise my early payout option. At that time, I noted that there were several additional charges ( late fees and a NSF ) included in the remaining balance. I went ahead and processed the final payment. 
On XX/XX/2021, I contact the company regarding these additional fees. The representative notes that they had tried to process the XX/XX/2021 payment from XXXX account ending in XXXX. That has not been an active account in a minimum of 4 years. Their inability to process this payment resulted in an NSF. 
On XX/XX/2021, I was notified by email that I had authorized them to switch to the VISA ending in XXXX. This is a relatively new card therefore it validates my contention that I provided them with new banking information in order for them to have this credit card number on file. 
They then proceeded to process all payments using the VISA card reference above but never processed the payment for XX/XX/2021. This allowed them to tack on a {$10.00} late fee for every payment. 
When I contacted Acima on XX/XX/2021, they stated that because the lease was paid on XX/XX/2021, they could not refund these erroneous fees.
Consumer complaint received 2021-09-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In a response letter reference # XXXX dated XX/XX/2021 to a pre-qualified credit application I filled out, CAPITAL ONE AUTO FINANCE has deprive me of my rights under color of law pursuant to 18 USC 242 and the Equal Credit Opportunity Act by denying my prequalified credit application and discriminating against me on the basis of : as you stated " my personal obligations and lack of revolving accounts '' which is not a valid and lawful reason to deny me credit on my behalf and is in direct violation of 15 USC 1691 ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION which clearly states it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction which you have done by denying my prequalified credit application and depriving me of my right to credit under color of law.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Receiving repeated phone calls about a debt I do not recognize or owe. The person calling refused to identify themselves and was trying to solicit personal information and continued to communicate after asking for written correspondence and refusing to acknowledge the debt. 

Issue has been resolved and despite there being no debt owed, collector insists on calling and speaking over in what I deem an aggressive and markedly threatening tone. 

This type of harassment is unacceptable and unwarranted. 

Did not feel comfortable continuing the call and ended it when person on the other end of the line continued to raise their voice and keep talking while asking questions about a debt I do not owe or recognize. 

Asked for written correspondence after refusing to acknowledge or validate the debt and person continued to speak over and ask questions loudly. Felt extremely threatened -- a stranger calling asking questions about personal information and refusing to identify themselves lest those questions be answered then proceeding to talk loudly about a debt one does recognize or acknowledge then continuing to speak at a more rapid pace despite a request to end the call with said stranger or request written correspondence is quite overwhelming. 

Felt the direction of the call was getting increasingly obscene and truly unaware of who this person is or was.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/21 ; I sent a certified letter to the TransUnion and XXXX disputing the inaccurate unverified bankrupcty filed within my credit report. I have challenged the validity of this alleged bankruptcy listed on my report. I have went to the courthouse, and they have stated, " they did not verify this information. '' I have sent correspondence to the XXXX and they have verified that their is not bankruptcy being reported on my credit report. For whom, XXXX and TransUnion both use a third-party source to verify information.
Consumer complaint received 2021-09-27
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. (VA)

Their investigation did not provide me with the requested information, and exceeded the time frame allotted for them to respond. I respectfully have requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have failed to provide this information and it has been more than 30 days. My letter was sent on XX/XX/2021. My follow up letter was sent XX/XX/2021.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

On XX/XX/21 ; I sent a certified letter to the XXXX and Equifax disputing the inaccurate unverified bankrupcty filed within my credit report. I have challenged the validity of this alleged bankruptcy listed on my report. I have went to the courthouse, and they have stated, " they did not verify this information. '' I have sent correspondence to the XXXX and they have verified that their is not bankruptcy being reported on my credit report. For whom, Equifax and XXXX both use a third-party source to verify information.
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

On XXXX XX/XX/2021, I submitted a wire transfer from my Wells Fargo savings account to XXXX XXXX for the amount of {$17000.00}. On XXXX XX/XX/2021 I contacted Wells Fargo and spoke to XXXX who filed a dispute/claim after I told him I needed to stop the wire because the item I was purchasing was no longer available. Today XXXX XX/XX/2021 I spoke to XXXX in escalation and she said there were no notes attached to my claim stating that anything has been done with the claim yet. I asked to file a formal complaint and speak with an executive with the organization. Ive yet to receive a call to discuss my issue with Wells Fargo. Im asking the Federal Reserve to please step in and hold this bank accountable to perform its duties and track the wire transfer down. Ive provided all the information they needed to include the account/routing number to the account it was sent to. I also provided the name and phone number to that account holder who is more than willing to assist in making this right. Ive spoken to that individual and nobody has made contact with him from Wells Fargo. XXXX XXXX  where the wire was sent has also stated Wells Fargo has not contacted them. Thank you in advance for your assistance in this matter.
Consumer complaint received 2021-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

XXXX Mortgage Help/complaint When Covid lockdown started I liked everyone else was out of work and needed mortgage help. I applied for a deferment for my loan with my company PHH and asked that 6 months be placed at the back of my loan because I would be out of work due to quarantine. My lender said no problem sent me the forms out, telling me the spots Id need to fill out. I did as directed on the phone, submitted the paperwork and was told Id have a Phone appointment with a supervisor to process my request. 

That next phone appointment I was told via the my paper work was missing a date, and that Id need to resubmit all of the paperwork and then get another Phone appointment, i asked for a supervisor, explained I just needed the 6 mo of reliefs and that I was soon heading back to work. They still made me resubmit the paperwork for a date. At that time I also tried to make a full mortgage payment, when they told me would be accepted. A week later it was returned to my bank. 

I refilled out the paperwork out, made sure all the dates had been filled in, and waited for another Phone appointment to get the deferment applied to my account. At that next phone appointment I was told I missed the XXXX  in my middle name and that I would need to resubmit the paper work, at that time I explained Its now 6 months, Im heading back to work and that I didnt need more time I just needed that 6 months moved to the back of my loan, and My ability to make payments reinstated. I was told they wouldnt be able to take any payment with out the deferment being processed and that Id now need to apply for another 6 month extension because I didnt finish the paper work as expected. 

I asked for a supervisor, was told that they didnt have one. Was told Id need to redo the paper work, at that time I sat in the phone for an hour with the process person, filling out each area with this person on the phone with me. At that time I was set up with another phone appointment promised that this time it would all be handled, that my paperwork was complete. They ended up saying that I had missed my social security number In the paperwork which was clearly filled out In the paperwork I had in my hand. 

At that time they started booking phone appointments for weekends and not even calling at the appointment time, but emailing me to say I had missed it when I hadnt, i again tried to make a mortgage payment and had it again returned. After dozens of meaningless/ waste of time appointments im over it and need to fix this asap.. they're obviously delaying this whole process on purpose so that I can loose my house.. please help.. thanks in advance XXXX XXXX XXXX XXXX PHH MORTGAGE My Email XXXX My address XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2018-02-28
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. (CA)

Experian, XXXX and XXXX  all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX Mortgage accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX21 a deposit for a Trucking company asked for a deposit for a moving trucking company for move on XXXX to XXXXXX/XX/XXXX-21, the trucking company failed to service Van. I was advised a refund will be issued with 7-10 business days. I have not received my refund as of date. The XXXX  and the FTC was givin a claim against XXXX XXXX XXXX XXXX. It was stated to contact My bank which is Chase Bank. They will not help with my refundable
Consumer complaint received 2021-09-27
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: LEXISNEXIS (MI)

I have contacted LexisNexis regarding the Bankruptcy reporting on my credit report over 5 times. They have informed me that this information is accurate and it is not. This bankruptcy does not belong to me and is causing difficulty getting me approved for a home mortgage. 5 total times I mailed documents to Lexis Nexis disputing this information and it is still reporting on my credit report as this belongs to someone else. I have also contacted the Credit Bureaus regarding this as well as they have been the ones that reported this information because of LexisNexis as the data point. I have contacted the bankruptcy court that has supposably reporting this information by certified mail and asked why they have reported this information because I have never filed bankruptcy. They sent me back a letter stating that they don't report this information to the credit bureaus. This letter is attached to this complaint via PDF. The thing that puzzles me is if the Court themselves state they don't report this information why is this being reported in the first place. According to the Fair Credit Reporting Act this must be reported by the original creditor. The original Creditor is The United States Bankruptcy Court For The XXXX XXXX of Michigan. But according to the proof and letter attached from The XXXX XXXX XXXX XXXX XXXX XXXX, they don't report individual bankruptcy cases to the credit bureaus. Lexis Nexis is the company that has reported this information and it does not belong to me. This is why I am filing this complaint with the CFPB.
Consumer complaint received 2021-09-27
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: HYUNDAI CAPITAL AMERICA (FL)

My Auto Loan was with Kia Motors Finance company Acct # XXXX Original Loan Amount {$19000.00} Paid Off on XXXXXX/XX/2021.Vin # XXXX On XXXX, XXXX I Contacted the company about the Title. I was sent a Letter Reflecting that the Balance was paid in Full.. I was advised that Due to the Virus it would take longer to get the Title.. Once again I contact the Company XXXX XX/XX/2021 about the Title.. This time they Informed me that the Title was Sent..I Explained that I NEVER received the Title... .I Ask when was IT SENT AND where!!! The Employee stated that it was Sent to my Home back in XXXX I then Ask why wasn't the company Aware of that back in XXXX, and that I had been Calling for Months.XXXX On XXXXXX/XX/XXXX I received a letter..The letter states as following : Please accept this letter as Verification that Kia Motors Finance No longer has a Interest in one.XXXX XXXX XXXX XXXX Model : XXXX! XXXX This Kia Motors company has been given me the Run around for Months!!! Where is My Auto Title??? The company has Acknowledged that I OWN the Auto.. We shouldn't have to Track/Pay for a New Title.. Please Assist me with this Matter..
Consumer complaint received 2021-09-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NJ)

On XX/XX/2021 we met with the branch manager of the PNC Bank location in XXXX XXXX, NJ. We met w/ the manager in order to close a CD that was held by our mother who passed away. We provided all documentation requested by PNC and were then told by the PNC manager that PNC would mail additional documentation to us for completion in order to finalize the closure of the account. 
On XX/XX/2021 we went back to the PNC branch because we did not receive the additional documentation. We were told it was mailed on XX/XX/2021 and that they would mail the documentation again on XX/XX/2021 since we didn't receive it. They gave us a number to call at PNC to follow-up at XXXX. 
Today is XX/XX/2021 and we still have not received said documentation so we called PNC at XXXX to follow-up and were told we should have the additional documentation on XX/XX/2021 and if we do not receive it to go back to the local branch and make arrangements for the documentation to be sent to the branch. 
PNC does not have a good reputation when it comes to processing paperwork and releasing funds. They make it very difficult. I work for a title company and getting a discharge of mortgage or payoff statement from them is equally as frustrating. I would NEVER recommend anyone using PNC for anything. 
At this point they will have been able to use our money for almost 2 months from date of initial contact and counting. They obviously do not want to release your money timely. 
Thank you.
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquires. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX