davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY (OH)

Our XXXX used XXXX was purchased that year in XXXX XXXX, MO ( suburb of XXXX ) and titled under both my husbands and my names. 

The car was paid off at the time of my husbands death on XX/XX/XXXX. If he had ever received a lien release, Ive never seen it, and Ive kept this cars folder with the bill of sale, Missouri title, and acknowledgement of our loan with TD Auto Finance, at that time headquartered in XXXX, CA. 

I have never been billed by TD Auto and renewed my XXXX license plates later in XXXX before I moved out-of-state. 

This last XXXX, XXXX, Ohio, where I live now, told me I could not get plates here until I had the car title changed from both our names to just mine. I just had to produce the lien release on the car. When I told them I couldnt find one, they directed me to call TD Auto. 

When I called their customer service number, I was told to FAX them a copy of Bills death certificate, written proof of my ownership of the car, and a cover letter giving them the PIN number of the vehicle and my request for a lien release.

I did all that and heard nothing for just under one month. I finally called back, was told their legal department denied the request because my lawyers letter was not signed nor notarized. I called him, he resent the letter, now signed and notarized, the next day. 

Once again, no one called me, so I called back and they told me they never received the second letter. We all double-checked the FAX number ( including my lawyer ) and tried again. 

Two weeks passed before I called back. That was now XX/XX/XXXX, and I spent FOUR HOURS on the phone working on this issue. I called, in order : 1. My title office here in XXXX XXXX, Ohio, to see if they had received my lien release. -No, they had not. 
2. XXXX Auto Finance customer service to see if they had my lawyers letter yet and if their legal team had approved it. 
-No, they hadnt received it yet. 
3. My main bank, XXXX Bank in XXXX and XXXX MO, to ask if they would check the last 4 years of my checking account to see if I had paid TD Auto off that summer after my husband died. 
-No, no bills or payments had passed through the account in that time, indicating the car had been paid in total before Bills death. 
4. The State of Ohio in XXXX to make and appeal, or learn a new direction to take for my impasse. 
-Well, the finance company still holds the power until they give you that lien release. Why dont you call Missouri XXXX where the car was titled? 
5. The State of Missouri, where I was told the same thing. 

Now, Ohio informed me late last week that Michigan now had authority over this company, so I called them yesterday. They told me TD Auto Finance pulled their license from Michigan in XXXX. She didnt know if theyd been bought out, but said the parent company was TD Bank NA , a national company. 

She told me to file this complaint with you. The VIN number of my car is : XXXX XXXX XXXX. XXXX
Consumer complaint received 2021-11-03
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: Bread Financial Holdings, Inc. (MI)

On XX/XX/2021, I received a credit monitoring alert that a hard inquiry hit my credit report from Comenity Capital /IDD . I immediately called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name. After speaking with a customer service representative, they informed me they would investigate it and have it removed. However, it is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. 

I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

I have made an attempt to dispute this fraudulent inquiry with XXXX on XX/XX/2021 and they responded with the dispute results as of XX/XX/2021 that " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' However, this inquiry is NOT factual and I'd like it removed.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/23 i sent transunion a letter asking them to verify the debt that they are claiming to to be reported on my credit. I have waited 30 days and they have not responded to my request and have not even let me know they are processing things
Consumer complaint received 2021-07-15
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: EQUIFAX, INC. (FL)

In XXXX and XXXX of 2021, I disputed there were several inaccuracies on my credit report with Equifax, XXXX, and Equifax. 

The spelling of my name was wrong. 
The correct spelling of my name is XXXX XXXX. 
There were old and fraudulent addresses still on my credit report. 
My current address for the past 13 years is XXXX XXXX XXXX XXXX, XXXX FL XXXX There are several inquiries on my report in which I have no accounts with, or havent had in the past. 
And there are closed accounts that I agreed with the creditors to delete when paid.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a dispute with XXXX, XXXX, & Transunion regarding information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.
Consumer complaint received 2018-07-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I bank with Wells Fargo and they charge {$12.00} for ISF. However, I have overdraft protection! Last time they did it was on XX/XX/2018. Isn't this the point of the protection? .To avoid this fee? 

In addition, they take MORE money that is needed. 

out of the savings acct to make the checking acct have a positive balance, then charge you. I called to resolve and they said, '' well normally we would charge you {$35.00} vs. 

{$12.00} to transfer funds if you didn't have this protection. ' '' Please advise. Thanks ...
Consumer complaint received 2016-08-31
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (MI)

I am US Citizen and made a transaction from website online to send money via western Union having MTCN number XXXX amount {$290.00} USD on date XXXX XXXX, 2016 through my Debit Card to my father In law/friend XXXX XXXX in XXXX XXXX, XXXX XXXX during XXXX XXXX, but I found he was not there, then very next day I request to cancel the transaction via western Union and submit the Information in details, but they are asking receivers Photo ID. I have no Photo ID of receivers side. I have all information of my Self legally but not from the receivers side. Now they saying they can not send me my Money back.
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I am getting phone calls two times a day asking to speak to XXXX XXXX. I am not XXXX XXXX. This has been going on for two months. I call them back state I am not her as to take my number off they call again the next day. I have spoken with manager she assured me this will not happen again it is still happening.
Consumer complaint received 2024-07-22
Product: Credit reporting 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. (MO)

I am writing to file a formal complaint regarding unauthorized credit inquiries that have appeared on my credit report. I believe these inquiries were made without my permission, and I am requesting that they be investigated and removed from my credit file. Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are negatively impacting my credit score and have caused me considerable distress. I did not authorize any of these entities to conduct credit inquiries, and I am concerned about the potential misuse of my personal information. 

I request that the CFPB investigate these inquiries and take appropriate action to have them removed from my credit report. Additionally, I would like to be informed about the steps taken to address this issue.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (FL)

EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX EQUIFAX, are reporting an account as delinquent that are pass the seven year reporting time as allowed under the Fair Credit Reporting Act. The following account should be deleted XXXX XXXX XXXX. This account is more than seven year old.

According to the Fair Credit Reporting Act, Section 609 a1A, Equifax are required by federal law to verify, through the physical verification of the original signed consumer contract and all accounts they post on a credit report.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

I have both private loans and federal loans that are serviced through Navient. Every time I have tried to have them work with me in regards to making my payments affordable their only solution is forbearance. They have no other options and state there is nothing else they can do for me.
Consumer complaint received 2015-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I was in the in the process of completing a loan modification ( XX/XX/XXXX ). I was asked to sign a subordination agreement ( XXXX attached ) in which I 've signed XXXX previous times. I asked my loan preservation specialist to send me this document and she failed to do this. After repeated calls and messages, my application was thrown out because I allegedly did n't finish the application process. Even the loan specialist 's superior is covering up this fact by doing " research and an investigation ''. As of XXXX XXXX, I was required to sign a subordination agreement and I 'm still waiting for it ( XXXX XXXX ). Wells Fargo 's people have lied to me and I 'd them to review their actions and the recorded audio of my last XXXX conversations with XXXX XXXX and XXXX XXXX refuses. I 've been mislead and lied to.
Consumer complaint received 2015-08-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX insurance sent a check to Bank of America after my fire, to be credited to my mortgage account and BAC Home loans cashed the check for {$42000.00} and never credited my account. Then they sold the loan to XXXX XXXX servicing who is now claiming I owe THEM the full amount of my original loan with BOA. Both companies destroyed my credit report and despite my having a copy of the canceled check, that BoA cashed, the credit bureaus wo n't correct the mistake and neither will BoA or XXXX.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my GM FINANCIAL XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (VA)

I closed on a refinanced home mortgage on XX/XX/XXXX. The old loan and the new loan were with the same mortgage company, XXXX, also known as Dovenmuehle Mortgage , Inc . The Initial Escrow Account Closing Disclosure Statement ( shown in the attachment ) showed that the new loan escrow would open with a balance of {$5100.00} and in XXXX there would be a payment from the escrow account of {$4300.00} for Property Taxes. The new loan account showed the escrow account balance of {$5100.00} when it was set up on XX/XX/XXXX ( the second screen shot in the attached ). This screenshot came from the XXXX website details for my loan. The XXXX Property Tax Payment was never made. I received a Real Estate Tax Bill from my county in early XX/XX/XXXX. I called XXXX and was told to email it and they would look into it. I sent an email with a copy of the notice to XXXX on XX/XX/XXXX. I never heard anything. I then received a Delinquent Real Estate Tax Bill from the county in late XXXX. I called XXXX again and was told to send that. It was sent on XX/XX/XXXX. I called several more times over the next few weeks to try to ensure XXXX was looking at the issue properly and never heard back, always that they were looking into it. My last round of calls started on Monday XX/XX/XXXX to check that it would be paid. The county statement said it needed to be paid by XX/XX/XXXX to avoid additional additional penalties or collection actions. Customer service continued to tell me they see the issue but it would be up to the XXXX Department to take care of it. They also said it would be paid by the end of the week ( XX/XX/XXXX ). As of today, XXXX, it has still not been paid. When I called XXXX on Monday ( XXXX ) they said they would expedite the request to the Escrow department '' but that was all they could do and it was still in process. They also did not commit to sending a check let alone when they would send it. They also only noted that they would " do what they could '' to ensure XXXX covers the late fees rather then saying they would cover the fee. 
On one of my earlier calls the customer service agent tried to say I was responsible for paying the taxes since I refinanced and I had received the amount from the escrow account of the old loan. That is not what happened and I told them that, but I am concerned that the Escrow Department, which I am never allowed to talk to directly, does not see that. 
I am hoping CFPB can do something about this although I am not familiar with regulations related to escrow payments made by the mortgage company. I appreciate anything you can do to help.
Consumer complaint received 2017-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sortis Financial, Inc. (IL)

I first received a letter from Clear Spring Loan Services , Inc. in XXXX of 2017, their letter which is attached was dated XX/XX/2017, and immediately sent them a letter disputing this alleged debt and asking for them to verify it. I received nothing back until just recently, letter dated XX/XX/2017, which clearly shows they totally ignored my letter which they received on XX/XX/2017 and was sent USPS Certified Mail with Return Receipt. I am asking Clear Spring Loan Services , Inc. to either verify this alleged debt or delete this from their records and from my credit report if it was reported. They also have n't proved to have any right to be on my credit report because I know for a fact I 've never contracted with them nor consented them to be able tomake any communication on my credit reports. Clear Spring Loan Services , Inc. is also violating the  FDCPA by continuing collection activity when they can not provide any documentation to prove I owe them anything.
Consumer complaint received 2019-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

XXXX Today XX/XX/XXXX I received yet another ph call from these collectors ; The first time they contacted me I told the young lady she had the wrong number ; the call is recorded. This lady said to me ; You can go back to bed now! at XXXX ; XXXX in the afternoon. Making a XXXX comment to me while she's calling my phone number currently on the dnc list. I was livid ; Here is the message from the first call I received. It is an email from someone who was going to help me contact them back about a resolution, but he never called back. 

Re : XXXX XXXX XXXX ME XXXX, XX/XX/XXXX, XXXX XXXX to XXXX I will call you XXXX when I'm available and off work. 
around XXXX. 

thanks On XXXX, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX wrote : Hi I called, but you didn't pick up. 
My number is XXXX. 
I want to speak to you about the calls you received to see if there's something we can do to help you. 
I'm actually heading out soon, but I do work XXXX if you're free then. 
Please let me know. Otherwise we can speak on XXXX. 

XXXX XXXX Head of the Research Team Law Offices Of XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Who Are We : " We stop telemarketers at no cost to you. '' On XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX Hi XXXX, Thank you kindly for getting back to me so quickly. 
The telemarketer I called is XXXX XXXX XXXX is correct, they are actually located in XXXX XXXX. 

Just to be clear, they just called the one time? 

No, this was not the first time they called. 
I coded the phone to check the times but erased a few days ago. 

And it was a voicemail they left? Yes, I still have the voicemail. 
Did they call your landline or cell phone? 

On Wed, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : Hi I have zero tolerance for XXXX. I'm extremely disgusted by this telemarketer. 
The telemarketer that called you is XXXX XXXX XXXX. 
Just to be clear, they just called the one time? 

And it was a voicemail they left? 

Did they call your landline or cell phone? 

XXXX XXXX Head of the Research Team Law Offices Of XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Who Are We : " We stop telemarketers at no cost to you. '' Wed, XXXX XXXX at XXXX PM, XXXX XXXX < XXXX XXXX XXXX Telemarketer 's Phone # : ( XXXX ) XXXX Description of the call : I returned call to advise I am on the DNC Registry ; XXXX ( who left the message for me to return the call and give location info regard another. She replied ; It does NOT concern her that my name is on the DNC Registry ; I yelled at her and told her it concerns me and stop calling my number ; the call was recorded. Sue then made a XXXX statement to me and told me I should go back to bed, as if I didn't have a job and lazy and XXXX. I want to sue this company for their XXXX remark towards me. the call was made at XXXX today with XXXX. 
-- -- This e-mail was sent from the form on https : XXXX
Consumer complaint received 2017-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (AZ)

My mortgage service r, Seterus, refuses  to send me monthly statements. I have not received a monthly statement in over 1 year. I have no statements  for the 2016     year and do not even know my loan number.  <P/> I have not chosen to go paperless and use the statements to remind me to make the payment. My la st 2 pa yments were late because I get busy and then forgot. I had paid the late fee, but this is very disconcerting for me. I rely on the paper statements.  <P/> This is a   XXXX   XXXX   loan It is my understanding that there is a Periodic Statement Rule and Seterus is required to send me my statements.