davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (WV)

Toyota Financial Services had my vehicle repossessed for XXXX in arrears. I offered to pay back balance plus towing expenses before it left my driveway and they said no. They insisted that I pay off the balance of the vehicle at a XXXX. I said I was interested in keeping the vehicle and protecting my credit and they stated they would only let me pay off the vehicle. I again offered that I could pay past due amount and towing to stop repossession and they refused and took my car. Now they said I would have to pay XXXX, towing fee and transfer fee as they are moving to an out of state towing area to have it auctioned off. So I asked if I could pay for it when could I get it back they said I had to wait seven days. I said you just told me you were moving out of state to be auctioned XXXX but I have to wait XXXX and incur extra charges because you move it. They said yes ... I 'm not sure what my options are, please help. This happened XXXX other time and the amount was XXXX plus I paid it immediately and stopped any issues. When I offered this time and the amount is actually less they declined and said they were taking the car and my only option is to pay it off. This is my sons car and as a government employee who may be furloughed I 'm trying to save my credit and my sanity.
Consumer complaint received 2015-09-24
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Security Credit Services, LLC (FL)

Debt is from XXXX 2009, they have been calling and threatening to serve papers at my place of employment, even arrest me or take me to jail if I do not pay for this. I contacted a lawyer who told them to stop contacting me. That the debt is older than the 5 years that they can collect this debt, but they have called me two times since the date of the letter.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

I has a credit card through wells Fargo and I maintained payments until wells Fargo raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (CA)

i filed a complaint and dispute over 30 days ago, I recvd paper stating my final report after investigation. the same creditor are still on there which some are over 7 years old, and are not mine, I have had id thieft 2 times in the last 10 years. I just want my my credit worthiness back, im XXXX and I need life insurance., my credit report is false my accts are being sold to collection agencies over the last 15 years, and some cases are the same creditor on there twice, but with different amount.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.
Consumer complaint received 2015-04-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Fifth Third Mortgage Account XXXX have set up automatic payment from my banking to pay my mortgage each month. In 2014, 5/3 raised my mortgage by {$150.00} and I was made aware until it was too late. I made up the proper payments to bring my account to balance and 5/3 continues to erroneously mark all three credit report. My money would leave my bank account on time, but seemingly never arrive at 5/3 Bank where my mortgage payment is due. In XXXX of 2014, I faxed 5/3 Bank with my 2014 YTD payment history to prove my account was current. I contacted 5/3 and confirmed they received that fax and there would be no more concerns. My payments were not on time but the notices did not stop. I have attempted resolve the problem with 5/3 Bank and my banker XXXX and neither was helpful and this issue still is n't resolved! Because I could get no answers, I stopped making payments after the XXXX payment was paid on XXXX/XXXX/14. Soon 5/3 would claim that I owe over {$1100.00} in missed payments and attempt to DEFAULT my mortgage. After contacting 5/3 Bank, the Customer Service Representative who told me that over {$500.00} was never applied to my account, ( with no explanation given ) that I only owed {$640.00} to bring my account to current status. I made that payment ( confirmation XXXX ) by phone at that time. As I type this complaint, I am still receiving notices that my account is overdue by 30 days, meaning nothing has been resolved. Please ask 5/3 Bank to REMOVE ALL BAD CREDIT REPORTS FROM XXXX XXXX, AND XXXX. Also, I ask that all late fees be applied to principal balance of my account ( please do not send a check ). Because of my frequent travel I am around to await a check in the mail, not am I able to forward the fax mentioned in this complaint.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

Information on Equifax credit report shows a collection which is not mine. It shows only I have disputed amount ... did not dispute that. Account is not mine to begin with. It shows that I owe a bill from XXXX XXXX that goes back to XXXX. At that time I lived at XXXX XXXX XXXX XXXX XXXX. I ca n't even get service in this area from XXXX XXXX. This is not my account or bill. It should not even show up on my report as a collection. Either it is a mistake or my name was used fraudulentlyXXXX and Equifax {$4800.00} account reported on XXXX XXXX, XXXX Open with XXXX going back to XXXX. 
{$480.00} XXXX XXXX XXXX XXXX Creditoropened with XXXX Collections XXXX XXXX, XXXXPlaced for collectionI have been at XXXX XXXX XXXX XXXX XXXX since XXXX. I haveXXXX XXXX ONLY at this address no other cable. 
Obviously this is not my account.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

A CAR DEALER DID XXXX INQUIREIES WHEN I WAS JUST LOOKING. XXXX IN XXXX NEW MEXICO THEY BATCHED MY IMFORMATION TO XXXX FINANCIAL INSTITUTIONS WITHOUT MY PERMISSION. ALL I WAS DOING WAS LOOKING AT AUTOS
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX IS SHOWING UP AS A CHARGE OFF AND A JUDGEMENT WITH BALANCES UNDER BOTH EVEN THOUGH IT WAS PAID VIA A GARNESHMENT ON MY HUSBANDS PAYCHECK XX/XX/XXXX. I CALLED TRANSUNION AND WAS TOLD THE CHARGE OFF WAS GOING TO BE REMOVED XX/XX/XXXX AND NOW THEY WONT RESPOND TO MY INQUIRIES.
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

I have had numerous problems with the wrong amounts debited from my bank account, numerous escrow and insurance problems and nothing ever seems to get better after two years. The worst home loan company that I have ever dealt with. Most recently XXXX mortgage payments were taken out of my bank account the same week causing me to have a balance in my account of XXXX. I would have not known this if I had n't checked my bank account balance early that morning. If I had n't have checked it I would have bounced several other payments and my card would have been frozen. Not to mention several overdraft fees would have been charged to me. I put an unauthorized debit on the transaction, however my funds may not be available for two days. I ca n't buy gas or groceries for two days because of this. I was told by XXXX that my auto pay would have to be cancelled because a new amount was going to be drafted ( because the previous draft was also the wrong amount ) and then set back up after a XXXX time payment was taken out. XXXX told me several times that I would only be drafted once ... ... ..that is not the case, I was drafted {$350.00} twice in one week. Not acceptable to me ... ...
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX banks XXXX XXXX XXXX, XXXX and XXXX should be deleted as XXXX accts were paid in full over 15 yrs and XXXX XXXX do n't belong to me
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (MO)

Synchrony Bank ( Wal-Mart ) is the subject of this complaint. On several occasions ( all calls were recorded on my end, in consideration of Missouri law ), Synchrony Bank has received payments, collected the funds and then not applied them to my account. Eventually, after a week of ( post collected ) funds they will post it, but not apply it to the available credit. They say, that they do not like that I make multiple payments per month to pay down the account. I pay the account in several installments to avoid accruing interest. I will be charged interest on funds they received and have collected, even though they have received the payment. There has never been a later payment. There has never been an over the limit situation, there has never been a returned payment. My account is also on auto pay in addition to what in addition I pay each month. Usually, about XXXX to XXXX payments each month, depending on my income for that month and how much the card is used. I pay all of my credit the same way, no other financial institution has an issue with how many payments are made each month. The goal of synchrony is to unlawfully collect interest on a debt based upon the unpaid daily balance in-spite of having the payment from the consumer and thereafter having evidence the payment cleared and still collecting interest unlawfully.
Consumer complaint received 2015-09-24
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XXXX XXXX, who was claiming to be with the Office of Investigations Fraud Department called my daughter and told her if I did not contact them within XXXX hours they would be forced to file charges on the complaint and would be sending officers out to my home to arrest me and " make a scene ''. I called them back and found out it was regarding an old payday loan from Ace Cash Express. They told me that I had until XXXX to pay them ( but would n't tell me " who '' I needed to pay and they refused to give me contact information until I was ready to make a payment ) {$480.00} and that they had waived the {$5000.00} in fees. When I called back again to ask for verification of debt because I was n't paying them without a formal notice, XXXX told me that I could only pay in cash or debit card and that if I did n't pay today then I would be going to jail for 45 days and would lose my XXXX.
Consumer complaint received 2015-04-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I have a vehicle loan with Santander Consumer. I 've been trying to pay this off by paying towards my principal. My XXXX/XXXX/2015 statement said the balance was {$8800.00} with a principal of {$8700.00}. On XXXX/XXXX/15 I made a monthly payment of {$470.00}. I called the company around XXXX/XXXX/15 to make it known that I would like to send in payments towards my principal. I explained this was n't possible online through the company 's website. I was advised that I had to make a payment XXXX then call in to make them aware the payment was to go to the principal only. On XXXX/XXXX/2015 I made a {$1000.00} payment towards my principal and called in as I was advised to do. The company applied so much towards the payment and the rest towards the interest. I kept calling in to have this corrected. The company kept saying it was being taken care of. My XXXX/XXXX/15 statement came and stated the balance was {$7500.00} and a principal of {$7400.00}. So on XXXX/XXXX/15 I made another payment of {$1000.00}. Same thing happened after calling in and making them aware the payment was for the principal only. Since then I paid my XXXX/XXXX/15 regular payment of {$500.00}, ( but the regular amount is {$470.00} ) on XXXX/XXXX/15. I called in on XXXX/XXXX/15 to do another principal only payment of XXXX. I called back to ask what was the balance before the principal and got a price of {$6000.00}. I asked how after I have made principal only payments and XXXX monthly payments. I believe my balance after the XXXX/XXXX/15 principal balance and the payments I have been making that this is TRULY and error. I keep getting the run around about this so I asking Consumer financial to follow through with this so I may be treated fairly and pay what I owe and not be cheated. I was informed that I ca n't get a number to the accounts department because the company only communicate via email.
Consumer complaint received 2015-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This letter is to reveal the horrible service that I have received from your office. I paid off my account and was promised a Judgement of satisfaction letter. To date I have received nothing from your office but lies and deception. Just today alone I called and was given the run around and was transferred to over XXXX employees and still no solution to the issue. 

I am being held hostage even after I paid off my balance in full. I have not received my paid off letter nor a satisfaction of judgement letter even though I was promised. 

Today alone I have spoken to the following employees:1. XXXX and her manager2. XXXX ( in Customer service ) 3. XXXX in litigation4. XXXX XXXX using ID # XXXX. XXXX XXXX ( Litigation ) 6. XXXX XXXX ( litigations )
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX/XXXX/2015 I placed an order with XXXX in the amount of {$41.00}. When I did not receive shipping information I logged into my account and noticed the order had been canceled. I called XXXX and was transferred to their Loss Prevention Department. They gave no information for the cancel other that it was done by a third party company named XXXX. I do not know who this company is and have not done business with them. I was given XXXX 's phone number. I contact XXXX who would not give any reason as to why the order was canceled even though my credit card company, Captial One approved the charge. XXXX said they could not release the funds back to my credit card and told me to call Capital One. I then called Capital One who informed me the could not release the funds back to my account and that XXXX had to do the release. I explained that XXXX informed me to call them. At that point the Capital One representative told me there was nothing he could do. I asked him if this third party company who I had never done business with could really hold my money indefinitely. He claimed them could and ended the conversation.
Consumer complaint received 2015-09-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

I had bank account with PNC bank. On XXXX XXXX, 2015 I deposited a foreign check at my local branch drive thru teller. The next day I went to bank and withdrew {$500.00} cash through ATM. Later on in day I received email stating my account was overdrawn. When I deposited check teller never said there was gon na be hold on check and there was nothing on receipt. Few days later i received letter saying they were closing my account and would have to wait 45 days for check to clear. When i contacted PNC they said my account being closed was a corporate decision. I just spoke with someone at bank today and they said my money would be availible after XX/XX/XXXX.
Consumer complaint received 2016-03-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: KEYCORP (NJ)

I SPOKE TO MANY REPRESENTATIVES AT THIS " BANK '' AND THEY ARE VERY RUDE AND THREATENING TOWARDS ME AND MY FAMILY. I TRIED TO EXPLAIN TO THEM ABOUT MY FINANCIAL SITUATIONS NUMEROUS TIMES AND THAT I COULD N'T AFFORD THE MONTHLY PAYMENT THEY WERE ASKING. I ASKED IF I COULD THEN SEND WHAT I CAN AFFORD AND I WAS TOLD THAT I COULD NOT DO THAT AND IT WOULD NOT BE ACCEPTED. THEY THEN WOULD THREATEN TO TAKE MY PARENTS HOUSE IF I DID NOT PAY THEM THE AMOUNT OF MONEY THEY WERE ASKING FOR. AGAIN AND AGAIN I HAVE TOLD THEM THAT I CAN NOT AFFORD WHAT THEY ARE ASKING FOR AND ALSO INQUIRED ABOUT SETTING UP SOME SORT OF A PAYMENT PLAN THAT IS SUITABLE FOR MY FINANCIAL SITUATION. THEY CONTINOUSLY WILL THEN SPEAK RUDELY TO ME, SAY NO AND THAT THEY REFUSE TO CONSIDER ANY PAYMENTS THAT WERE NOT THE AMOUNT THAT THEY WERE DEMANDING, MAKE THREATS TO MY PARENTS ON THE TELEPHONE, AND WILL THREATEN TO RUIN MY CREDIT SCORE AS THEY ALREADY HAVE.
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

XXXX XXXX was in review for a loan modification with all documentation submitted to the lender on XX/XX/2015. On XX/XX/XXXX XXXX from PNC called our office and stated that their institution was in need of a paycheck stub dated for XX/XX/XXXX as the one they had was cut off. She made it very clear that this paycheck stub dated XX/XX/XXXX was the only one to be submitted and was the only document needed. She did confirm the deadline for this document to be received was XX/XX/XXXX. The paycheck stub was sent to PNC on XX/XX/XXXX. Our office followed up and it was confirmed the paycheck stub was received. XXXX XXXX our office spoke with XXXX who stated that there was not a complete package and stated he did n't know what was missing the call was dropped. When our office called back it stated their institution was closed. On XX/XX/XXXX our office spoke to XXXX id XXXX in Florida loss mitigation. She stated the file was closed out on XX/XX/XXXX because the following documents were not received - bank statements for XX/XX/XXXX for account number XXXX, XXXX, missing utility, missing employment letter missing hardship verification. I asked her when these documents were requested as we had called on a weekly basis and never once were these items requested. In fact, I informed her their office called us on XX/XX/XXXX and only requested the paycheck stub. She confirmed XXXX called us, but stated XXXX only documented the account with her informing us of the missing item. XXXX failed to properly notate the account as to what was requested ( as she was adamant only pay stubs were needed ) and failed to do her job properly as now there is conflicting information. Calls are recorded for quality and we are demanding that that could be pulled so we can confirm that she failed to provide accurate information. Furthermore it is obvious that PNC purposely provided inaccurate information so XXXX XXXX file could be removed from loss mitigation. The number of times that we communicated with PNC to check status of the file should extinguish any opportunity to excuse PNC 's behavior. It is very apparent that PNC employees are negligent and that PNC is denying this file and discriminating against XXXX XXXX based on his race, ethnicity, language, and national origin. They would rather foreclose on his property then do a proper review of his file. We are demanding that the sale date scheduled for XXXX be postponed or XXXX XXXX will assert his legal right and name PNC Mortgage and XXXX as defendants in civil court.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I am submitting the Amended Police Report to Chex-Systems. I have disputed several address and reported information but Chex-Systems continues to come back to me and tell me that it is n't enough the dates are wrong or they flat out just deny it. Please remove all reported information from my Chex-System consumer report. Please only leave my actual mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXAnd send me an updated consumer report
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Continental Finance Company, LLC (AL)

Applied for Verve mastercardNever received cardCharged {$120.00} annual fee on XX/XX/2015 but never got card or activated it. 
Cardholder services said card mailed out XX/XX/2015, three days after i was charged. 
To me this should be illegal. 
This has happened to many people that i read about online. 
XX/XX/2015 the Consumer Financial Protection Bureau ( CFPB ) ordered Continental Finance Company LLC, a subprime credit card company based in Delaware, to refund an estimated XXXX to approximately XXXX consumers who were charged illegal credit card fees. The agency found that the company 's " fee-harvester '' subprime credit cards misrepresented certain fees and hit consumers with illegal charges. The order also requires the company to pay a civil penalty of {$250000.00}. 
they are still doing this!