davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION (DE)

My mortgage company is committing fraud and charging me more money than the projected escrow. 

I purchased a property in XXXXXXXX XXXX  in XX/XX/XXXX. I financed the purchase with a 30 yr mortgage with a conventional mortgage. 
The mortgage company is Penfed Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Telephone XXXX XXXX XXXX At closing the mortgage company collected {$5000.00} as a buffer for escrow. My property taxes for XXXX are {$920.00}, and my insurance is {$870.00} which totals to {$1700.00}. At the end of XXXX, after many phone calls they refunded my escrow account and I recieved about {$4000.00} in XX/XX/XXXX. 

For XXXX, Pendfed is collecting {$530.00} everymonth which totals to {$6400.00} which is XXXX times what was used by the mortage company last year. The property insurance has already been paid for XXXX to XXXX. 

I have called the XXXX XXXX XXXX XXXX and they have indicated that they do not forcast an increase of XXXX times the current value. I would expect a buffer of maybe double which would amount to be about {$4000.00} per year. 

I also looked at my neighbors property which is assessed for more than my property, built by the same developer but two years worth of data ( parcel ID XXXX ), and it shows that there was no increase in the payment and they also pay approximately {$950.00} in property taxes. 

From my interaction with Penfed they are potentially discriminating against me also as person of color with a foreign sounding name as I have clearly provided them with data about the tax rates in the county including my neighbors. An additional fact is that XXXX XXXX, XXXX has the lowest tax rate in XXXX and also in the XXXX. 

I have neve rmissed a mortgage payment, and I have automatic payment setup through my bank for martage.
Consumer complaint received 2018-11-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I purchased my car at the end of my lease from Toyota Financial Services. I financed through my bank XXXX. The check for the amount of the car was sent to them and cashed closing the account, but there was an error on XXXX 's part sending the sales tax amount. Toyota Financial reported to the credit bureaus that I had not made my car payment which was not true. This dropped my credit score over 30 points.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Step 1 : What is this complaint about? Being harassed and tormented with e-mails every day for a {$5000.00} loan I have to pay back after I sent them a letter asking them to stop contacting me. One Main completely ignored it. How can I pay them back if I dont have a job? My other creditors are not panicking that I havent made my monthly payments. 
Step 2 : What type of problem are you having? I used to be tortured with phone calls every day to collect the debt. I put a stop to that. Now I am receiving emails every day from One Main. Now I am wondering did I take out a loan from a financial company or did I take out a loan from the mob? 
Step 3 : What happened? I do not have a job, I have been trying to get one since  XX/XX/2017. I have applied for over 250 jobs and have not been able to secure gainful employment. I also applied for a job at One Main. No response from them. I am also working with a job recruiter. When I fell behind on my monthly payments I started receiving phone calls every single day. The gentlemen from One Main stated the status of my account and asked when One Main could expect to receive payment. I explained my situation to him and the next day I got another call from him stating the very same thing. This went on for days. I explained my financial situation to the gentlemen from One Main again and again and asked why he was torturing me with phone calls every day and he told me its my job. So, I called their main branch office and got a customer service phone number and explained my situation to them and they put a stop to the phone calls. Now I get emails every day and now a letter saying they are going to turn my account over to an attorney for collection. Is it lawful for a company trying to collect a debt to treat people this way? I really dont know what to do with this creditor. This company is heartless and relentless. They prey on the elderly who are down on their luck. If I call them they will say the same thing to me again that they always have. When can we expect payment on your loan or we have payment options. What good are payment options when you dont have a job. 
Step 4 : What company is this complaint about? One Main ( lending company ) I wish I had never borrowed money from this company. When you go on the internet for One Main there are 2,902 consumer reviews and complaints. 

Step 5 : Who are the people involved? Myself, XXXX XXXX and XXXX XXXX from One Main.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX IS ON MY CREDIT REPORT, THESE ITEMS ARE NOT MINE AND I WANT THEM REMOVED FROM CREDIT REPORT, XXXX XXXX XXXX XXXX SAME ACCOUNT NUMBER ON BOTH ACCOUNTS
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA (KY)

Hyundai motor finance inaccurately labeled my payment as late, I've tried to call them and wrote several letters to no avail. 

They were sued for the same reason back in 2020 for misreporting credit. 

I just want it off my credit report.
Consumer complaint received 2020-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TN)

I've been dealing with NCAC for nearly a year. They are HORRIBLE. They have to yet to send valid verification that I owe this alleged debt. They are claiming that I owe {$760.00} to XXXX XXXX XXXX. The only thing that they've sent is a copy of my leasing agreement. This only shows the amount that was obligated to pay during the term of my lease. There's no proof that I didn't pay. I fulfilled my lease and didn't miss ANY payments. I DON'T OWE ANYTHING! There is no proof that I didn't pay everything that I was supposed to.
Consumer complaint received 2019-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (TX)

On XX/XX/XXXX, I received a voicemail message from an unknown number. When I returned the call at the number a woman left, I spoke with XXXX XXXX of XXXX XXXX XXXX, working on behalf of XXXX XXXX XXXX. He said he was collecting {$1700.00} for US Bank, where I was a former customer 14 years ago, and that if I refused to pay, I could be liable for 3 times that amount. Fearing that it might pop up on my credit report, I agreed to pay, since after all, Mr. XXXX had my former address at the time of the debt, my Social Security number, and specific DDA details. Still feeling suspicious, I did some internet research, and found out that US Bank sold my debt to XXXX XXXX XXXX back in XXXX, a firm whose CEO, XXXX XXXX, was indicted for fraud. Moreover, XXXX XXXX XXXX XXXX received an F rating from the New York XXXX, due to returned mail. XXXX phone number is XXXX. XXXX XXXX XXXX uses the phone number XXXX. If I have to repay my debt, it will not be to a scammer!
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (CA)

I have been a victim of Identity theft and the inquiries I am disouting are the results of such crime. The letters I sent on XX/XX/XXXX are complete with attachments such as my Driver 's license and SSN. I also attached the ID THEFT REPORT I received from the FTC and yet the Credit Bureaus have done nothing to remove these inquiries. The Credit Bureaus willfully negelceted the FCRA section 605b and continued reporting the disputed inquiries despite the inquiries being in dispute. I haev read enough to understand my rights under the FCRA which is clearly being violated by the Credit Bureaus. Under the FCRA section 605b, I am requesting that the Credit Bureuas remnove the following inquiries completely from my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXXXXXX EQUIFAX MTG Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Mortgage pre-approved my wife and I in 2021 for {$500000.00} home mortgage. After we selected our home, went through the escrow process to close the home loan, the day after our closing date Wells Fargo called and said they now denied the mortgage. 

The process to purchase the home including down payment, due diligence, and inspection fees came to {$10000.00} which most was paid to the sellers. 

Wells Fargo deceived us and are responsible and liable to reimburse us for the fraudulent pre-approval home mortgage.
Consumer complaint received 2023-06-10
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. (NJ)

I have been a victim of identity theft with XXXX  XXXX. I went to go check my consumer report and saw there was a late payment with an account thats on my credit profile that doesn't belong to me. That account is with XXXX XXXX as a credit card titled XXXX XXXX REWARDS FROM XXXX XXXX with a balance of {$4800.00}. This card does not belong to me and is fraudulent. I submitted my FTC REPORT on XX/XX/2023 and sent out to XXXX, EQUIFAX AND XXXX ON THE SAME DAY, it is XX/XX/XXXX today and I have yet to hear back from XXXX, EQUIFAX AND XXXX. This fraudulent account is causing me financial injury as I try to keep up with my consumer report and I have been denied getting a home loan.
Consumer complaint received 2018-11-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bliksum, LLC (CA)

A person named XXXX left a message on my mobile phone number which is on the Do Not Call Registry and also at my work voicemail. The voicemail said there was a file in their office for court proceedings and to contact XXXX. Before I had a chance to contact them, they called my work number again asking for my name and the payroll department which the call was transferred to me. I took the call and they only identified their name but not the company and started threatening me in regards to a debt with XXXX. I was surprised and asked the name of the company, but the individual would not let me speak and said there was a judgement and case file on their desk and they would garnish my wages. 

When I informed them of the FDCPA rules about not contacting me at work, to please cease calling my work number and mobile number and to send a written notice of validity of the debt, the person continued yelling stating I was being unreasonable and to expect a written court notice to garnish my wages and then they hung up on me. I called XXXX and found out the previous debt was sold to XXXX XXXX XXXX or XXXX XXXX and given the contact number of XXXX XXXX XXXX XXXX to call. I did call that number twice and kept getting voicemail. I finally left a message stating again to not contact me at my work number or mobile phone and to send written validity of proof for any debt owed. This company has called at least XXXX times in one day within a span of XXXX hour time frame and used threatening means.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I recently received a copy of my credit report from XXXX  and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XX/XX/XXXX-XX/XX/XXXX and received my XXXX degree. Then I returned from XX/XX/XXXX -XX/XX/XXXX and received my XXXX degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XX/XX/XXXX-XX/XX/XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XX/XX/XXXX-XX/XX/XXXXmy 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently received a copy of my credit report from XXXX and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XXXX and received my XXXX degree. Then I returned from XX/XX/XXXX XXXX and received my XXXX degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XXXX my 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I disputed a charge on my account that should not be there as a company owes me money for returned product and I was not given credit. It is a large amount. To dispute a charge you have to call and wait on hold FOREVER. It took almost an hour to get to an actual person then no one could help because they claim their system is slow and you can't understand what any of them are saying. Finally they sent me a link to upload documentation for my dispute, which I did immediately. I had no issues uploading the documentation after going through the hassle of putting everything into their weird format that doesn't allow large documents. Then the charge reappeared on my credit card statement. I tried calling again and was put on hold FOR OVER AN HOUR while everyone claims their system is slow and there are no notes from my previous call. This is ridiculous. Additionally, every time I log into my credit card online, it forces me to reset the password to a new password EVERY SINGLE TIME so it takes quite awhile to log in just to check. Then because I'm waiting on hold for so long I have to redo that multiple times while waiting on the phone. This is absolutely ridiculous, it's like their strategy is to frustrate you into giving up so you just pay the false charges. They need to fix this. Finally over two hours later they say they need a receipt for a service. What receipt for what service??? The whole point of the dispute is that that's not my charge. I uploaded the documentation already.
Consumer complaint received 2022-04-06
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-11-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FORD MOTOR CREDIT CO. (CO)

On XX/XX/XXXX, I contacted Lincoln Automotive Financial where my car loan is processed and advised them that I would need to send the payment through XXXX XXXX as my payment was due on the XXXX.. I was given my account number and told to send it to XXXX XXXX. I did so at the XXXX XXXX in XXXX Colorado on XXXX and XXXX in the amount of {$640.00}, which included the payment of XXXX and {$7.00} for the XXXX XXXX fee. Tracking # XXXX A few days after the I began receiving calls from Lincoln Automotive Financial and was told that they did not receive the payment. I was told to call XXXX XXXX to make sure it was sent. I did so and was told that it had been sent to XXXX XXXX. I called Lincoln Automotive Financial again and was told they would review their records and call me back. 

On XX/XX/XXXX, I received a call from XXXX at Lincoln Automotive Financial that they still had not received the payment and that I needed to contact XXXX XXXX again and call her back. She asked me to fax her a copy of my receipts. I did so. I made approximately 10 calls this day back and forth from Lincoln Automotive Financial and XXXX XXXX and the results were that the money should have been sent to Lincoln Automotive Financial but XXXX XXXX sent the money to XXXX XXXX ( the wrong company ). XXXX XXXX stated they would begin the process to get this corrected and I should call back on Monday of the next week. The case # is XXXX. 

I called back to XXXX XXXX and was told that they needed the city in which the payment was to be sent. I called Lincoln Automotive Financial and was told XXXX, MI. I then called XXXX XXXX back and was told that they would get back to me in a few days after they received the money back. 

I called XXXX XXXX the following Monday, ( Which is now XX/XX/XXXX. ) and was told that they are not receiving a response from XXXX XXXX to get the refund. That they would escalate the claim and get back to me in a few days. 

I called on XX/XX/XXXX and I still have not received a response to where my money is. I was dinged on my credit with a late payment by Lincoln Automotive Financial due to the fact the money was not sent to Lincoln Automotive Financial because I told to send it to XXXX XXXX by the Lincoln Automotive Financial representative. 

I want the money returned to me.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC (TX)

Milestone card is charging so much {$250.00} anual fee, I have two accounts with them. The first account they charged me {$170.00}, the second one they are charging {$250.00}
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I subscribe to XXXX  for credit monitoring, their scores and accounts are in line with XXXX, however, Equifax is nowhere near the other repositories, in addition, Equifax was not reporting any account for my credit for over one year, not one account. 

When I asked about the large disparity in reporting, I was told I could buy a copy for {$10.00} which I found ludacris when I asked about the scoring method the response was we can't give that information out. I have reviewed the scoring policy of all three repositories although slightly different there is a common theme.
Consumer complaint received 2019-09-06
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: Experian Information Solutions Inc. (NY)

I was recently on my XXXX XXXX and noticed 2 things I feel are Inaccurate. XXXX Bank is giving me 2 hard Inquiries on XX/XX/19 and XX/XX/19. I don't know if my social security # was ran a few times due to fraud. I am pretty confident I did not authorize backround checks twice in the same month. I called XXXX cards and asked them to remove these hard pulls or under the fair credit act to show me the proof of me signing something allowing them to run my credit under a hard pull twice In the same month. I feel this is inaccurate and am looking for both to be removed from my file.
Consumer complaint received 2024-05-22
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: TD BANK US HOLDING COMPANY (PA)

Good Day, I did pay off my Car loan with TD Auto finance institute. I paid off everything on XXXX XXXX everything is settled at their end too. after a week of payment i called for the Title, they said it will be release in some time call them week after. i did the same, this time they said, there is issue with your file address hence PA can not release title electronically, and that has to first come to TD and TD will send this title to you. They asked me to wait for a week again. I did that, when i call them on third week, they said they hv received the title ( XXXX XXXX ) and it is with TD now. they are in process to send it to me. I will be receiving title in 5 to 7 days. I hv waited for give time and since then i am calling them every week to know where we are, but they have no clue and keep telling me 5 to 7 days. they do not have ETA when can i get my title. Please help me with this. 

Thank you!!!
Consumer complaint received 2019-09-06
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. I have been getting calls and letters for credit accounts that I did not authorize. Some criminal has used my personal information to open credit accounts that I did not authorize. To open these fraudulent accounts banks accessed my credit profile and created unauthorized inquiries on my credit report that further defiles my credit profile. This criminal activity has caused me and my family extreme anguish as we try to rectify this situation.