davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Hi, I " Bought Out '' My lease from Toyota Finance about 2 months ago. Toyota then sent me a copy of my title, which had a section on the back filled out incorrectly ( The Agent that was filling this out, stamped the " tax '' section with an incorrect number, and then wrote over the number with the correct number ) When I took this to the NJ DMV, they rejected it because they claimed that no numbers can be scratched out or altered. They however stated that the Tax Stamp could be correctly reapplied to the front of the document and that a new Title was not required in this situation. I figured, " no worries, mistakes happen '' and sent this back to Toyota Financing informing them of what the DMV Manager stated, and specifically stated that Toyota Need Not send a new Title, but correct the mistake. Toyota however, completely ignored my message and shredded my title, ordering a new one from the DMV. This process has taken over 5 weeks and no communication has been made from Toyota as to when I can expect this new Title to get mailed to me or what the status is. When I call, they can not give me an update. XXXX XXXX ( The New Lender Who Bought the Loan ) is stating now that I am in violation of the terms of the loan agreement since the Title information has not been updated to reflect them as the new accountholder, and to update this ASAP. Toyota really dropped the ball on this one, and I am now requesting the CFPB step in and ensure that a new title was actually ordered by Toyota, and get an exact delivery date for this new Title.
Consumer complaint received 2017-08-16
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. (TX)

I am trying to get my home loan refinanced as my daughter will be a XXXX in College and Experian is severely impacting my abilities to refinance. On or around XX/XX/XXXX i applied for a refinance loan with my local bank, XXXX XXXX XXXX XXXX XXXX. They pulled my credit report which was through Experian. Experian sent them my credit report and a copy of my credit report to me. First I noticed, my name last name was wrong, my last 4 digits of my SSN was wrong, they had over 13 creditors that were on the report that were wrong. I contacted Experian as this is giving me a negative affect on my credit report and FICO score. My daughter is unable to register for college as I was depending on this refinance with my bank in order to register her in college. After speaking with Experian, they accepted that they had reported incorrect information on my credit report and that they would fix it. I did receive a letter about a week or two later showing they had corrected my name, SSN, and removed about 13 creditors mostly all were negative reports on my credit report. I spoke with a person named XXXX and XXXX, I asked to speak to a supervisor, which they could not find one after being on hold for about 20 minutes. Today XX/XX/XXXX my bank called me again after i let them know that all should be resolved with Experian and my bank told me that Experian is still reporting my old information to them. Please some one help me to resolve this negligence on Experian 's part.
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF HAWAII CORPORATION (HI)

Beginning in XXXX of XXXX, I had an invoice show up on my pay pal account that got paid without me hitting the " pay tab. '' My bank, Bank of Hawaii, accepted the invoice, even though I did not have the money in the bank, because I was not aware of the invoice. Bank of Hawaii charged me an overdraft fee of XXXX dollars and kept charging me overdraft fees every week that I was overdrawn. I was stunned when I realized I had to pay over a XXXX dollars in overdraft fees from my social security check at the beginning of the following month. 

I called Bank of Hawaii and told them I did not sign an overdraft protection option and please not to pay for anything being charged on my bank account if there was not enough money in it. I told them I was wary of another unauthorized invoice entering my account. 

I explained that I had gone on free book promotion sites to promote my new book and one site had sent XXXX an invoice. I talked to XXXX. She checked my account and said I indeed had not signed an option for overdraft protection and it would not happen again.She was polite and helpful, so I let the matter drop.. 

. Come XXXX, it happened again.I got the same invoice from the same company that XXXX paid. It seems like the company was trying to make their invoice look like an automatic monthly withdrawal.. When I called the Bank of Hawaii and protested,, a supervisor told me the bank needed proof that I won the dispute I filed with XXXX before they would reverse my charges. The supervisor then told me I was overdrawn XXXX dollars and change, and to pay it before Thursday or the bank would charge me again for having an overdraft. 

I got to the bank and covered my overdraft charges on Weds. However, I got a notice from the bank a few weeks later that my overdraft fee had been XXXX dollars and change, and I was being charged overdraft fees again. 

This is three months in a row that I am being charged fees that I have to pay with my social security income for the invoice I tried to warn the bank about. Currently, I am in an overdraft status and the bank is charging me every week for being overdrawn. 

I took my Bank of Hawaii card off XXXX and changed all my settings. I have n't had any unwelcome invoices show up since doing that. 

Here is my complaint : It should not matter when my XXXX dispute ends. A dispute can take awhile. The fact is, I did not sign up for overdraft protection with my bank and I believe Bank of Hawaii 's fees are in excess and based on a false premise. I would like all my overdraft fees that started with the invoice from XXXX in XXXX XXXX and continued through XXXX XXXX, to be reversed. 

If the bank will not reverse my charges from XXXX XXXX XXXX, I am asking for a full review of their overdraft fees on my account from the time I opened it. 

Thank you, I am seeking a reversal of all
Consumer complaint received 2016-07-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a Medical creditor 's validation letter to Central Financial Control. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with XXXX Central Financial Control. This was an Medical Bill and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Health Insurance Portability & Accountability Act XXXX Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Central Financial Control. In this case the debt should be removed from my credit report and out of the office of Central Financial Control because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Consumer complaint received 2016-07-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P. (FL)

I was not sent a final bill after I canceled my XXXX account as I was told they would do so I could pay the remaining balance, they never sent a final bill nor did they send someone out to pick up their equipment and tried to make me pay for it, I finally got them to pick up the equipment but still was denied a final bill instead they sent to collections, I was just notified by XXXX when I checked my credit, I immediately called and made full payment ( still without a bill ) payment confirmation number is XXXX. Please remove this collection from my report immediately. Thank you
Consumer complaint received 2016-08-04
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WA)

On XXXX/XXXX/XXXX, I contacted XXXX XXXX to refinance my current home owner 's mortgage and obtain cash back. I took advantage of their Nationwide advertisement since both my husband and I are XXXX veterans. I spoke to XXXX XXXX, Account Executive, XXXX XXXX, XXXX. He again initiated a new application, although, I already had a previous application with one of the loan specialist name, XXXX. During our phonecon, XXXX XXXX ask me questions about my loans, whether we were veterans of the Armed Forces, employment, financial, income, interest, etc. I provided him information to include the mortgage which was paid off to Wells Fargo in the amount of XXXX in XXXX XXXX, XXXX, on our XXXX, Hi former residence. After the mortgage was paid off with Wells Fargo, I contacted the Wells Fargo Home mortgage department and informed one of the representative to ensure that my credit report was updated. XXXX XXXX told me to hold on so he can check my credit report, then he returned and informed me that my loan was denied. I inquired as to why the loan was denied, and he told me that it shows that I was 120 days late and in foreclosure with Wells Fargo. I informed him that I was not in foreclosure, and told him that the mortgage loan was already paid in full. Wells Fargo failed to update our credit report upon my request in order to remove the 120 days and foreclosure in the credit report which is currently affecting our credit scores and preventing us from obtaining a loan in order to refinance our joint current mortgage which we have been paying in " Good Faith. ''
Consumer complaint received 2016-11-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC (UT)

I received a phone call in early XXXX, 2016, from an unknown number. The woman on the line made a very brief statement about me needing to provide her with payment information in order to resolve a balance with " ERC. '' She made no official statement to identify herself, or her employer as a collector attempting to settle a debt. I asked her again who she was calling on behalf of, and she again said " ERC. '' I responded, saying that I had no idea who ERC was, or why I would have any outstanding balance with a company I had never heard of, and had no intention of making payments on a balance that I do n't own. She then terminated the call, without having made any attempt to clarify the name of her employer, or that she was making a legal attempt to collect a debt. No further attempts of contact were made. One week later, on XX/XX/2016, a collection was filed on my credit report under the name Enhanced Recovery Corp.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have filed disputes with Transunion and XXXX 30-45 days ago concerning this and to this day, It is yet to be corrected. The balance on my reports is showing that I owe {$19000.00} for Child Support. This is untrue. I have called and spoke to representatives at Child Support and that informed me on how much I owe and It is WAYYYYYYYY far from the amount that they have on my credit reports. The Child Support office informed me to dispute this on the reports. Which I have, but I have yet to hear anything from them. They are showing late payments and all. This incorrect information on my reports is causing me not to be able to secure financial security that I would like to purchase my family a home. Please I need someone to get this incorrect information off my report asap.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (VA)

I purchased a high definition television that cost {$1700.00} from Best Buy in XXXX. In an effort to build credit ( since I usually make all purchases in cash ), I opened a Best Buy Credit Card. I bought it on a promotion that gave me no interest as long as the tv was paid by XX/XX/XXXX. I made all monthly payments in excess of the minimum pmt due. Unbeknownst to me, there was a debt protection program added on that added an additional $ XXXX- {$25.00} to my bill every month which made it impossible to pay off the balance. Due to my work schedule ( XXXX ), I never looked at the bill. I always drove to Best Buy when I arrived home and paid {$100.00} on my account. It was not until after XX/XX/XXXX that I received a bill saying I owed about {$4000.00} for the tv because of deferred interest. I requested all of my bills, which Best Buy could not provide because the account was taken over By Citi from the originating creditor, XXXX, so they provided as far back as they could. It was at that time, by looking at my statements, that I discovered the debt protection program was being charged monthly. I continued to pay until this past XXXX ( XXXX ). Debt Protection has been canceled and they promised a refund of {$1400.00}. Best Buy advised us on a call they would apply the refund to the promotion and that I would get what I overpaid back. In a later call, Best Buy then advised that the monies would not be applied to the promotion but to the account balance. We requested for them to pull the call and have a manager call us back and they never did. When we called back to speak with them, they never notated it on the account. At one point, we were offered a settlement, which we refused initially to get the debt protection issue resolved. Today we called to settle to get the account closed out once and for all and we were told that no settlement was available. When we asked why, we were told there was no specific reason, only that no settlement was available. To date I have paid {$1400.00} in the debt protection program and for the last 6 months I have paid {$1000.00}. Citi was unable to provide with the total payments made since the account opened on XX/XX/XXXX. I have been advised that I need to write in to get a copy of the statements from the inception of the account, which I will request today.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IL)

As described in Wells Fargo ( WF ) web site, as a customer I can see the statement for 9 years back, and other services that are important to me. However when I tried to see XXXX checks ( XXXX, XXXX, XXXX ) emitted in XXXX XXXX I was told that the rule of nine calendar years does not apply to the whole calendar year as long as the bank uses a rolling calendar. So, because my request was done in XXXX XXXX the checks are not any more kept. Thus, the information from WF web site is overstated and misleading ; in other words they do not disclose what exactly and how the bank does its business. I do understand that : i ) is not for me to decide how the bank does its business, but it is my right to be clearly informed what I can do in relation with my statements and ii ) is the bank responsibility not to mislead the customers.
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

When checking my personal checking statement online i noticed a charge for over {$17000.00} and the explanation was " Business Offset '' I went into Wells Fargo local branch, and found out that it was taken as payment of a credit line for XXXX that I personally guaranteed over 10 years ago. The business is no longer mine. 
I am XXXX, have been for more the 5 years, the money was my social security, and tax refund, and my mandatory withdrawal from my XXXX fund. 
My account is frozen, and I have no access to any statements or documents.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ONLINE Information Services, Inc. (MO)

I was set up on a payment arrangement for XXXX payments. Instead my entire balance was deducted out at once. It was an unauthorized payment. My arrangement was for XXXX payments of {$110.00} to be deducted from my account by check on XXXX XXXX and XXXX XXXX. The rep that took the unauthorized payment was XXXX with the ext. XXXX. When I realized {$230.00} was taken from my account I called multiple times to resolve the issue and no one answered the phone for the first 5 attempts. When I finally spoke with a assistant manager I explained the situation. They went back and listened to the call and heard me agree to XXXX payments. I asked for the other half to be reversed back into my account and was told that would take 10 days ( after my next due date ). I expressed that I felt I was being penalized for their mistake and I now was short on funds. They told me they could n't do anything else. I received contact information for the manager of that location ( XXXX ). While conversing with XXXX he was rude and made comments after I expressed how much of inconvenience the entire situation has been to me. He said things such as I was an inconvenience to his reps because I am in collections. XXXX expressed that I could have the money refunded once I had my bank send proof via email that the funds cleared my account. I informed him that I was aware that their system updates them once a balance is resolved so he had proof that {$230.00} was removed from my account. He expressed that he still needed proof and offered me a deal to have the payments stay resolved and he will have the credit bureau remove the collections off my credit report XXXX XXXX. I am currently waiting to receive that in writing. I emailed him to inform him that I needed it in writing.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received a letter from Capital One that my account is {$100.00} delinquent. My account was charged off and given to a collection agency. The account was ultimately paid in full last week with confirmation of all payments. I have attempted to contact Capital One after receiving this letter but transferred to a voicemail. I have placed about 10 calls during the day to this number and all have been transferred to the same individual. I am attaching a copy of the letter received along with my response. The account has been paid in full, I have all documents from the collection agency, and I have all records showing history of payments.
Consumer complaint received 2016-11-16
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (PA)

A company called Midwest Recovery Services made a negative report on my credit report. They did so on behalf of a company called XXXX XXXX XXXX XXXX. I have never received anything in writing about a debt owed to The XXXX XXXX XXXX. I never had a payday loan from this company. The Midwest Recovery Services never contacted me about a collection on a debt owed to anyone. I have tried to get something in writing, but have yet to receive anything. There is no debt and I believe that They are attempting to scam me.
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NJ)

Over the past several years I 've been the victim of aggravated identity fraud. I have filed a report with the FTC, and have sent letters to Wells Fargo with information from the DOJ that state this as well. On top of Wells Fargo creating phony accounts in my name without my permission, they 've also allowed fraud on my account to continue even though I 've given them notice routinely. I 've been promised I 'd receive credits back from supervisors and then after weeks go by, my claim was denied. My information was compromised in 2013 with the XXXX data breach and I 've had issues ever since. I always notified Wells Fargo in writing or via email or phone call within 2 days of any of these charges and they still wo n't honor their 0 % fraud liability protocol. I 'm working with the DOJ on potential options but want to expose Wells Fargo for this criminal activity.
Consumer complaint received 2016-11-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I think Capital One 360 may have experienced a large security breach and is n't disclosing to customers and investors. Somebody altered information on my account, I quickly updated my credentials to prevent further activity. After pointing out the issue that I had resolved Capital One 360 froze my accounts without warning or authorization. They are refusing to immediately unfreeeze my accounts. They are claiming they ca n't transfer my funds to my new checking account. I will not have access to any money until sometime next week. 

A lot of customers are complaining about this same thing on social media, hold times for their security department are longer than what they normally should be according to Capital One 360. This believes that the breach of my account was not an isolated incident and stems from a more broad breach of Capital One 360 that they may be hiding from customers, investors, and regulators.
Consumer complaint received 2016-06-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

I have disputed the Diversified Consultants Account with XXXX and with Diversified Consultants. XXXX stated that Diversified Consultants verified that this account belongs to me. This is seemingly impossible since this account do not belong to me. Perhaps this account was placed on my credit file in error or it resulted from identity theft. In any case this is not my account. I need your assistance in getting this matter resolved.
Consumer complaint received 2016-04-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We requested and Bank of America sent us a check on XXXX/XXXX/2016 for {$4000.00} which we deposited in our checking account in another bank. Approximately a week later a BOA representative called to tell us that this check had printing errors, it will not be paid and that a new check will be issued and sent. We finally received a replacement check today XXXX/XXXX/2016. In the mean time our checking account was overdrawn and we are accruing fees for overdrafts and returned checks not paid due to insufficient funds. In multiple follow up calls, while BOA representative XXXX XXXX finally acknowledged the situation and stated that we will be reimbursed for any fees we were charged as a result of this situation, the resolution of this issue is with their legal department and refused to provide a document that the negative consequences were the result of BOA 's error. To make us whole we need to have a document that explains what happened so that we could forward it to credit bureaus and to others to whom we made payments that were refused due to unavailability of funds we relied on. Their requests of fees for returned checks will also need to be honored and paid.