davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MA)

TD Auto Finance XXXX XXXX  XXXX XXXX XXXX, MI XXXX claims they sent me a final bill at the end of my five year loan that had to be paid differently than auto pay. My wife, loan signer and myself, co signer never received any type of letter or phone call since we initiated auto pay. Went to trade the vehicle and discovered we had no title. Took care of the payment instantly and they still penalized us, financially and credit wise. Have been denied three times from TD Bank. This has been going on almost two years. I take pride in my credit and proof is in the credit reports other than TD Bank. I also have a contract that states If you do not receive final billing statement your payment will be made automatically. I already sent documents to TD Bank
Consumer complaint received 2018-06-22
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. (NC)

I check my credit report on XX/XX/XXXX, and I noticed that Equifax is reporting current information that is two years old. Two years ago  XXXX XXXX XXXX XXXX ( Company Bureau ID XXXX ) reported An auto loan delinquent on XX/XX/XXXX, because I decided that I couldn't continued to recover the cost of a vehicle in repairs that was worth XXXX at purchased and finance for XXXX with warranty that would not cover the repairs of {$3000.00} after only having the vehicle for eight months and spending {$3000.00} in repair cost I could not afford the repairs and with a warrant that I purchase with the vehicle that didn't cover the cost. The problem is that between XXXX XXXX XXXX XXXX and the credit bureau, this delinquent keeping showing up on my report as current or recent delinquent, which continues to worsen my credit score. Equifax has reported this delinquent for XX/XX/XXXX and XX/XX/XXXX as current which is not correct. This delinquent happen XX/XX/XXXX. I would appreciate if you could help me resolve this matter. I am a retired military veteran and I try to maintain a good credit score, but sometimes things happen. Thank You!
Consumer complaint received 2021-05-22
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. (IL)

I completed a FTC identity complaint on XX/XX/2020. I submitted the report to EQUIFAX and submitted a cfpb complaint and there are still inquiries that remain that we listed on the report. EQUIFAX has failed to live up to their grave responsibility for accurate reporting. These inquiries are preventing me from renting an apartment for me and my son. My landlord is selling the unit and I need a new place to live. I have also applied for credit and been declined because of the inquiries. EQUIFAX failure to ensure of accurate reporting is causing financial and XXXX harm. I am XXXX out and have been diagnosed with XXXX because I can not provide for my family because EQUIFAX failure at their grave responsibility pursuant to 15 USC 1681a ( 4 ). EQUIFAX are supposed to have procedures in place and have failed. Pursuant to 15 USC 1681C-2, EQUIFAX has the ability to block attempts to remove identity theft information is the consumer benefited. If EQUIFAX is saying that I benefited then please provide a sign affidavit under penalty of perjury for the CEO stating that they have proof that I benefited from the inquiries. Also, pursuant to 15 usc 1681b ( c ) ( 3 ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have submitted proper paperwork stating that I don't recognize the listed inquiries and EQUIFAX Is violation of 15 usc 1681b ( c ) ( 3 ). I am not a credit report company, I am the consumer XXXX XXXX. I am an XXXX  of CFPB and these corporations are continually breaking the law and financially, XXXX an XXXXy harm the consumer. The CFPB is in place to regulate these consumer reporting agency and I have put in complaints and still no full results. This is not a dispute. I am demanding these inquires are removed. These corporation are unlawfully furnishing data to the consumer 's report and creating great harm to the consumer. By being an agent of the CFPB, I need the CFPB to do their job and regulate and enforce the laws that EQUIFAX is breaking against me. It is important that the people at CFPB take this seriously and assist me the consumer with invoking my rights. This is a matter of XXXX and XXXX for me. I am being XXXX XXXX, and financially harmed by EQUIFAX. I the consumer invokes my rights the law does not state a police report is needed because there are different types of identity theft. WHen a debt collector purchases a debt, they did not have permission to do so and that is identity theft. Identity theft mean no consent. This not a dispute, this is not a bot, or a credit repair company. I am an XXXX  of the cfpb and I need the CFPB to assist me to invoke my rights. EQUIFAX HAS FAILED ME AS A CONSUMER.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (OR)

This is a separate complaint from the other one I filed today, XX/XX/2021. After speaking with a representative from this phone number earlier and requesting once again to be removed, they called me again at XXXX PST. I did not answer, but they have continued to call despite my repeated requests to stop.
Consumer complaint received 2021-04-23
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. (DC)

There are accounts showing on my credit that are not my accounts! I was going over my credit again when I noticed them! I am seriously freaking out! I dont understand how this is happening to me! I never gave permision to put someone else accounts on my credit! These are unacceptable mistakes or fraud! I am the only one who has access to my personal infomation and I am the only one allowed to use it. So how does this happen? My credit is so bad right now because of this that I cant even get approved to move into a new apt XXXX Help me please!
Consumer complaint received 2018-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I have been experiencing a nightmare with my vehicle loan with XXXX. There was {$4600.00} added on my loan due to mandatory insurance although I have shown proof of insurance. My vehicle have been in storage for over a year there is no reason for me to have full coverage on my car. Due to this XXXX being added on my account my monthly payment has skyrocketed. I have late credit reportings on my credit report which is truly making this even more of a nightmare.I have sent in documents by fax which they have told me they have never received although I have a confirmation page that it was sent. I fell sick with XXXX and was hospitalized and fell behind on my payments due to the increased amounts needed, and have been getting terrible customer service. They told me to send in a hardship application with proof that I was in the hospital which I have done and now have been experiencing bad customer service from the delinquency department. Manager XXXX XXXX and one of his reps spoke to me in a very condescending tone, spoke over me, was not helpful on XX/XX/22. I just want to get this situation resolved so I can pay the correct amount and become current on my loan without the bad customer service.
Consumer complaint received 2020-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

So here is the issue. I have two bank accounts one that is partnered through work, alot of benefits and i have an old bank of america account that my husband and i have jointly. I needed to pay rent and do to holiday weekend the bank was closed. So I called BOA the support line and they recommended the wire transfer in one day. Pay the fee they walked me through it. This was on XX/XX/XXXX. 

Amount XXXX I figured holiday weekend I won't see the funds till perhaps Monday or Tuesday. Come Tuesday still didn't see the funds so called BOA. They state the transfer was completed. Called my other bank they state they seen it come in but with error stating BOA had pulled back the money and rejected the transfer. 

Called BOA back, was told that the person at the other bank rejected the funds. When i stated i was the other person and I did not reject the funds they hung up on me. 

Called again, was told I would have to pay for a tracer. Fine payed for it. No update. Called on the XXXX, Was told no tracer was put on it. Yet the money was taken from my account. They put a tracer on it. 

Called the XXXX, still no update. 

Called the XXXX, they said the funds where put in my account. I told them check again and they looked at my account saw the funds where not in my account. Was told it should be in within 2-3 days. 

Called back on the XXXX, spoke to a manager. Was told money could take 3-5 days. That by friday should be in. 

Well today is friday the XXXX. Money wasn't in my account. Called. They said it was in my account. Told them to look at my account and see if they saw it. Oh it isn't there ... one second let me ask a colleague. Was told by collegue it is processing. Asked how long could that take a day- week, month. Was told there is no timeline when you will get your money, whoever told you a timeline was wrong. Hung up on me. 

Called back to escalate. Employee refused to transfer me to a manager telling me there is nothing they can do. Was told they can escalate the case. I asked I thought they did that last week and Monday. No response. Told me it was done and asked if anything else she can do. Then wanted me to do a survey. Told her no as I don't think in my current state I would do her survey any good. I am upset it been 2 full business weeks and my money is gone.
Consumer complaint received 2018-06-22
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. (SC)

Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification
Consumer complaint received 2018-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Goal Structured Solutions, LLC (NC)

I have two loans that went into repayment with Launch Servicing , LLC. I contacted the company to request a forbearance for both loans. I was granted a forbearance for both loans. I received an emailed letter from Lauch Servicing, LLC stating that the forbearance/postponement date for loan ending with XXXX begins on XX/XX/XXXX and ends on XX/XX/XXXX, with the next payment date due on XX/XX/XXXX. The second loan ending with XXXX stated that the forbearance/postponement date begins on XX/XX/XXXX and ends on XX/XX/XXXX, with the next payment date due on XX/XX/XXXX. However, when I checked my credit report, it had a negative mark for a late payment even thought I was granted a forbearance/postponement for the dates/periods stated above. I contacted Launch Servicing , LLC and was told that they are not able to remove the negative reporting, but I can dispute it with the credit bureaus.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

On XX/XX/XXXX XXXX was taken from our escrow account to pay city taxes. This amount never made it to the city for payment. We reached out 7 times once we were notified by the city of the non-payment to find out where these funds have gone, and have still not received an answer. On XX/XX/XXXX an ADDITIONAL XXXX was taken out to pay for the XXXX XXXX payment of city taxes. This amount was received by the city and the XX/XX/XXXX check was cashed. Since XX/XX/XXXX we have reached out 13 separate times to try to get the initial XXXX back. ( Including a complaint through CFPB where LoanCare said they had already returned the XXXX, which was not true ) The initial XXXX was taken from our escrow account and was not used for taxes. The customer rep we spoke with said the initial XX/XX/XXXX check was never cashed and said they put in for a stop-pay on the check. We were told the funds would be back in our account by XX/XX/XXXX, when the funds weren't returned, we were told they would be back by XX/XX/XXXX, again no funds were returned. Now, no customer representatives will answer when we call, and we have called 13 times and filed 5 different contact forms. No one from LoanCare will answer where our money is and when we will be getting it back. 

Please return the initial XXXX payment that was not used for taxes.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (VA)

I recently closed my Wyndham rewards card from Barclays. Following the closure of my account it turns out the bank reopened my account without my approval in order for Wyndham to bill be for an auto payment I had set up earlier when I was coerced into buying a timeshare. I had also requested to end the auto payment from being withdrawn from this account as well. I had closed the credit account at the end of 2020 and just received a new statement from this new unauthorized account on XX/XX/2020. 

Essentially Wyndham fraudulently opened a new account in my name in order to bill me for its services. This isnt a one off occasion, if you go online to timeshare user groups you can see that this is their policy with closed accounts.
Consumer complaint received 2020-07-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TN)

For almost 2 years after my husbands death I tried to talk to the company Specialized Loan Servicing. They would only say I wasnt on the loan, and then before foreclosure they said to fill out loan application, which I did and sent it back, they then tell me it was received to late. I filled it out the day I received it and mailed it the next. 

I have been reading about this loan and what was done to my husband at a time he was very ill and loosing his business. The loan was transferred, modified and now has a deferred payment ... these are illegal if the person asking for the help is in the financial and health problems he was. This is a XXXX XXXX ... XXXX XXXX mess ... by XXXX XXXX guide lines this was all fraudulent ... they never verified anything, plus it was all sent to a PO Box which was illegal by XXXX XXXX guidelines and that I had no access to. 

I was unaware of everything from his business to the loan on this property ... 

He had nothing and they New it, I owned half but they didnt care.. 

Please help me not th loose my home and see how all of this was fraud ....
Consumer complaint received 2022-09-12
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: American First Finance, Inc. (FL)

I contacted these companies letters on XX/XX/22 which were sent with US certified postage letters about inaccurate information on my credit report and they have not responded to my letters. The FCRA says they are supposed to respond to my request within the 30 days and they have not.
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XXXX XXXX XXXX provided service to California home I sold in XXXX. My service was paid until I sold the home and moved. Obviously, any service provided after that date was for the new owner. 

Attempts to correct this issue with XXXX were futile and, as a result, I stopped using XXXX for any service. 

XXXX  has engaged one collection agency after another over the 19 year period the last of which was IC System opened XX/XX/XXXX.
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (TX)

{$150000.00} was taken from my checking account. This was done in increments of {$50000.00} each. XX/XX/2020 Robinhood Funds. XX/XX/2020 Robinhood Funds. XX/XX/2020 Robinhood Co Entry. These were unauthorized. I had no contact or knowledge of this company.
Consumer complaint received 2017-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

XXXX Please reference this case. 

There are a lot of misinformation given. After receiving your decision I called back Nelnet to get a better understanding of what happened in case I just was n't understanding. 

-The response on XXXX/XXXX/XXXX said that my per Diem was {$14.00} but when I called Nelnet the adviser told me my per Diem had gone up to {$14.00} and said that the report given to CFPB was not accurate. Same day response. 

-When I switched to a traditional payment plan they steered me to forbearance for over 30 days to allow the system to process and raised my back due interest to {$1700.00} as of XXXX XXXX. My payment will be {$530.00} which of that {$440.00} was going to be the interest portion and the rest was principle. I said I intended to pay {$600.00} per month and they informed me that any money above and beyond had to pay the back interest of {$1700.00} which means it will take me 2.5 years approximately to pay off that interest they steered me towards. 

I feel like I 'm in this situation due to them steering me toward the forbearance. 

That 's my issue
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: FIRST NATIONAL BANK OF OMAHA (OK)

A cashier 's check was issued directly to First National Bank XXXX XXXX. XXXX XXXX, XXXX, NE XXXX on XXXX. On the check in the memo field was my name as well as an account number ; the account number was incorrect with XXXX numbers wrong. The check was drawn / cashed on XXXX. I called on XXXX and verified payment was received and that there was a XXXX balance on the credit card account with customer service rep ; I then closed the account on the telephone call after confirming a XXXX balance. 

Payment was originally due on or about XXXX. On XXXX I received a robocall telling me that payment was over due. I immediately contacted customer service and to my surprise it had not been applied to my account. I contacted my credit union to look into what had happened. They informed me that payment had been drawn / cashed on XXXX. I, as well as the credit union loan officer XXXX called separately to find out what had happened. We called together on XXXX and advised FNB XXXX that the account number was wrong on the check, but my name was correct as well as provided Check number over the phone and we were advised that information was not good enough. My loan officer at XXXX XXXX XXXX XXXX faxed over front and back of the Cashier 's check that they had drawn / cashed to their accounting group on XXXX as instructed. The loan officer attempted to speak with them again and received no new information XXXX. I also called today on XXXX and have no new news about my payment that was drawn / cashed on XXXX. My account is now very past due and should have been paid in full and closed.
Consumer complaint received 2020-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IL)

I am in process of refinancing my mortgage ( through XXXX ), and I am having some difficulty with my existing mortgage provider ( RoundPoint Mortgage ). As part of the refinance process XXXX requires a payoff letter. They reached out to RoundPoint, who refused to provide the document, so I was asked to reach out directly to make the request. On Wednesday, XX/XX/2020 I requested the document through RoundPoint 's IVR. The automated prompt indicated that the document would be sent within 2 business days and that depending on the laws in my state there may be a fee. When I had not received the document by Friday, XX/XX/2020, I called back and made the same request directly through an account representative who assured me the document would be emailed within 2 hours. As of the following day I still have not received the document. From my perspective there appears to be a pattern of abuse : 1. Uncooperative in providing the requested document to the new mortgage company 2.  Attempted to discourage requesting the document by indicating there may be a fee, but never confirming if the fee would be applicable in my case or the magnitude of the fee ( inadequate disclosures ) 3. Did not provide a way to request or obtain the document through self-service on there online account servicing website 4. Did not fulfill the request as promised through two separate attempts
Consumer complaint received 2016-02-16
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Principal Group, LLC (TX)

I am being harassed by a company that will not give any of their information. They are not only harassing me but also my brother and an old roommates MOTHER, whom is n't even related to me. When I ask them for information they refuse to give anything. They say it 's for a payday loan that I do not have. I checked my report and there is nothing even close to that on there. They continue to call but refuse to provide any sort of written documentation or tell me who they are. They have also threatened me with jail, which I know is illegal. How do I find out who these people are and have them appropriately punished?