davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

As of today 's date : Portfolio claims to own this XXXX XXXX account. 

As of today 's date : XXXX XXXX claims to own this XXXX XXXX account. 

The only way to determine which collection agency actually owns this account is with a valid bill of sale from XXXX XXXX stating exactly which agency they sold this account to. 

Unfortunately, I have previously made the mistake of paying one collection agency, only to have another collection agency " park '' the same debt on my credit files six month later. Resolving this matter took over two years. 

I have learned the hard way the importance of a valid bill of sale. 

Upon my requests for a VALID BILL OF SALE : XXXX XXXX removed this account from my credit files XXXX XXXX removed this account from my credit files and ... Portfolio Associates unscrupulously provided the credit bureaus with falsified information, a very serious FCRA violation. 

Portfolio intentionally re-aged this account and increased the actual balance owed as an intimidation tactic to force me into paying this account. Initially Portfolio used XXXX XXXX 's name as the collection agency versus their own. 

I state intentionally because, written documents provided to me directly from Portfolio, as well as verbal communications, prove Portfolio has full knowledge of the " true '' account facts : the account open date, date of first delinquency, and account balance. 

On XXXX XXXX, 2015 I was verbally told by a supervisor, who insisted on reminding me that she has been doing her job for 7 years now : " I am sure we have a bill of sale somewhere. '' When I asked for her to please mail me a copy - she simply proceeded with her " collection dialogues. '' Any individual working in the collection industry for " 7 years now '' should know how vital a bill of sale is to proving to a consumer their company is the legitimate owner of any account. 

Upon my request to have the credit bureaus verify this information, Portfolio again provided each with the same deceitful information. 

I have tried to pay the actual balance ( according to Portfolio 's records ) in exchange for the deletion of this account from my credit files. They refused my offer. 

My last XXXX requests, 1. for a valid bill of sale, and 2. to correct the falsely reported information on my credit files, have been met with " we have already investigated this account. '' Portfolio Associates actions are nothing shy of criminal, and the FTC should investigate and hold them accountable. I have no doubt re-aging debts and parking unverifiable debts on a consumers credit report is common practice for Portfolio.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I became XXXX in XXXX, XXXX, unable to make mortgage payments on time, and became late due to no income and XXXX. I started Bayview 's modification application process in XXXX, XXXX ( w/Bayview Finance after XXXX sold my account to them ). For the past XXXX months, I have tried to obtain a modification/HAMP modification, to no avail. On XXXX, XXXX, I was offered a modification with no changes, extending my loan to again 30 years and additional costs were added into the original loan. After requesting the reason for the HAMP denial from XXXX XXXX my act rep, he stated it was due to missing information. I submitted an appeal to Bayview 's HAMP escalation dept providing the documentation necessary to appeal. Last week I was told that they do not have the information necessary to approve again and to resubmit. XXXX, as advised by his manager, XXXX XXXX, they would submit just as soon as updated bank statements were provided. I 've done that, and am waiting. At the same time, I am receiving foreclosure notices from their foreclosure dept/company, XXXX XXXX. 

I 'm scared and need help. Ive done everything Bayview has requested ... more than once! I am also a XXXX veteran who was recently diagnosed with XXXX and have been XXXX for this illness and am in ongoing treatment for XXXX, suffer from XXXX XXXX, and several other XXXX illness. I do n't want to and ca n't lose my house!! PLEASE HELP because I 've done everything I can do in working this issue with my mortgage company on my own and now with the forclosure notice I received, I may be at risk now of being homeless. I am now receiving XXXX benefits from social security, am XXXX, and have Veterans benefits as well. I CAN afford my house and need to " fix '' the past late payments/fees ... and doing that through modification but Bayview is playing games!
Consumer complaint received 2016-03-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I returned my XXXX XXXX XXXX on XXXX XXXX, XXXX, to XXXX XXXX XXXX in XXXX XXXX, VA, upon the maturity of a lease. However, I received a bill in the amount of {$970.00} on XXXX XXXX, XXXX. The bill included a $ XXXX lease payment, {$350.00} disposition fee, despite the fact that I received a confirmation over the phone on XXXX XXXX, XXXX, that these charges will be waived after my spouse 's lease of a new XXXX. He did end up leasing the vehicle to save on charges. 
The most disappointing fact was that the bill included {$410.00} charge for a windshield chip. I do not recall the chip. When I was dropping of the vehicle, the dealer conducted the inspection and never mentioned the damage. I was told during the phone call that the third party inspection conducted on XXXX XXXX, XXXX, revealed the damage. My suspicion is that something happened to a windshield between drop off date on XXXX XXXX XXXX and XXXX XXXX XXXX. 
I tried to explain my situation to Toyota Financial Services, but no one could help. I do believe that there is a flaw in the Toyota 's system of lease returns. Consumers have to be informed by Toyota about the third party pre-inspection option. This has to be a required step during a lease return, so as a consumer, I witness the revealing of a damage. Otherwise, I am feeling that I am being billed for a damage that has been caused by someone else. Moreover, if I would have known about the damage, I could have fixed the windshield myself through my insurance for much more cheaper price. I believe that I had a coverage for windshield repair. It would cost me {$0.00}. Now, I am in the limbo of Toyota 's policies with an obligation to pay {$410.00} for something that I have not done. 

In addition, I had to call Toyota Financial Services 3-4 times to waive the charges for disposition and XXXX lease payment. I had to spend 1-2 hours each time to explain the situation and promises Toyota Financial Services have given me. Luckily, XXXX XXXX XXXX ID # XXXX had a time to discuss my situation and listen to me. We were able to agree on waiving $ XXXX XXXX lease payment, and {$350.00} disposition fee because they promised to do so if my spouse leases new vehicle. 

Despite spending hours over the phone with customer service representatives at Toyota Financial Services, no one was able to remove {$410.00} charge for a chip on a windshield. I was planning to write to Toyota 's corporate office, but came across the CFPB. I do hope that this complaint will require some policy changes at Toyota Motor Sales Matured Lease Services. 

As I mentioned before, I do hope that the pre-inspection will become mandatory prior to lease returns unless consumer waives it in written form and states that they wo n't disagree with post lease return charges on damages. I also hope that Toyota will be able to reimburse charges to consumers who truly believe/d that they were billed wrongfully. 

Thank you,
Consumer complaint received 2016-10-25
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NV)

XXXX assured me that I have 10 days grace period from the XXXX to provide a payment or Honda Finance will have to start paperwork to remove vehicle. XXXX then informed me that he will be sending out paperwork to this agreement. XXXX also explained the payoff for the vehicle is {$9300.00} and at the {$200.00} dollars a month for 3 in years. I received the agreement in the mail approximately 5 days later. 
On XXXX XXXX, XXXX around XXXX I received a knock at the door stating that they were at my home to repossess my XXXX Honda XXXX. I told the male that they have picked up the wrong car because I have an agreement that states my payment is not due until XXXX XXXX, XXXX. The man looked over the agreement and said something is not right. He also had a lady with him that was very rude and nasty saying just get what you can out the car we are taking it now. My daughter items were in the car for her work as a cosmetologist and " personal paperwork '' for individuals I needed for employment while being rushed. The XXXX XXXX asked my neighbors to remove their car in order to retrieve the Honda XXXX this is embarrassing when I have paperwork that the car should have never been removed.
Consumer complaint received 2016-11-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I received a permanent loan modification on XX/XX/2016 from Bayview Loan Servicing LLC. I made all the trial payments according to the requirements and signed a new loan contract with Bayview which detailed all the financial requirements of the new loan. All financials were provided and detailed and made available. I have been making on going on-time payments since that time. However, I recently received a statement requiring me to pay {$390.00} for a " Rec. Corp. Advance. '' I inquired about this fee and the agent said it was a bill that was due prior to the loan modification. Why was this not included, then, in my loan and made known to me then? I do not believe this bill is valid.
Consumer complaint received 2015-12-03
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NY)

I recently purchased a vehicle through a XXXX in XXXX XXXX, NY. My loan for thevehicle was financed through XXXX Bank. 
On XXXX/XXXX/15 Honda Financial sent me aletter stating that they had been unable tooffer me credit " on the terms originally requested '' and that " our subsequent counteroffer has sinceexpired. '' The problem here is that I have nodocumentation of Honda Financial ever making aloan offer to me, nor do I have any record ofHonda making a counteroffer. The referencenumber on the letter from Honda is XXXX. Furthermore, Honda said that I couldobtain written documentation on reasons for theirdecision by contacting their XXXX, XXXX officeat ( XXXX XXXX XXXX. But when you call that number, Honda claims that you need to make the requestin writing. Their XXXX XXXX letter to me makes noreference to the need to make the request inwriting, versus by phone.
Consumer complaint received 2016-04-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

On XXXX/XXXX/16 a Social Security ACH transaction was received by Wells Fargo Bank and was reflected in my online account as a {$1000.00} deposit and I had a balance in excess of {$1500.00} in my account. I made a withdrawal of {$1100.00} and later in the day attempted use of my debit card for a {$2.00} purchase. The card was denied. Upon returning home, I checked the Wells Fargo web site and saw a balance of {$470.00}. 
Today, XXXX/XXXX/16, I checked the account again and find a negative balance of {$590.00}. 
I call the branch that I had used for the withdrawal and they denied that there had been any such deposit. My next call was to Social Security where the transaction to the proper XXXX and account was verified. I received a phone number to contact the ACH processing at Wells Fargo. After speaking with XXXX persons I find that my account was blocked on XXXX/XXXX/16. No transactions are allowed in or out. 
I called the Loss Prevention phone number that was provided and was told that the Social Security transaction had been returned. I told them that I was to receive a XXXX transaction for {$3100.00} on XXXX/XXXX/16. I was instructed to call back on that date.
Consumer complaint received 2015-05-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

This letter ( XXXX personal information ) was sent to Toyota Financial. I believe it properly outlines the issue. 
Agent, I 'm sorry to report that Toyota Financial is in violation of Federal Law regarding my purchase of a XXXX Silver Prius. 

In XXXX of XXXX, I contacted XXXX and advised that I must Voluntarily Surrender the aforementioned vehicle, as I 'd been XXXX mandated to stop working permanently and was, as of XXXX XXXX, XXXX, considered Permanently XXXX in the eyes of the Federal government. 

I advised XXXX that, without the paycheck I had in place upon purchase of the vehicle, I could no longer maintain payments as arrange, and would Surrender the Vehicle voluntarily. Working closely with XXXX and following directions exactly, I left the car and keys with a XXXX dealership. 

Not until XXXX, XXXX XXXX, when I tried to rent an apartment, did I discover that Toyota Financial falsely reported the Vehicle Surrender as a Repossession. My credit score had dropped from a typical mid-XXXX, where it stands, with Repo - a low XXXX. 

I called Toyota Financial on XXXX/XXXX/XXXX to inform an agent of the error, but was told by a woman who declined to giver her surname that " XXXX considers a Voluntary Surrender and a Repo the same thing ''. 

Because of Toyota Financial 's ignorance of Federal Law, - and only because of this carelessness, I am a homeless, XXXX person. Please refer to XXXX 's Violation ( the XXXX thus far identified ) : Subpart E of Regulation V, 12 C.F.R. SS 1022.42 ( a ), the implementing regulation of the Fair Credit Reporting Act, 15 U.S.C. SS 1681, et seq ( FCRA ). 

I demand that XXXX not only immediately correct its wholly preventable and previously-correctible error to the the major reporting agencies, but at once supply me with documentation of XXXX 's false reporting so that I may obtain shelter for myself in this, my Permanently XXXX status. 

Please be advised that Toyota Financial 's erroneous and probably deceptive action will very soon be reported to the Consumer Financial Protection Bureau on the Federal Level, to the State of California, and to the XXXX prominent credit reporting bureaus. 

I will remain homeless, because until Toyota Financial corrects its own ghastly and likely deliberate reporting. Please reach me as soon as you read this correspondence.
Consumer complaint received 2019-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

I sent money to a seller for a wallet XXXX $ on XX/XX/2019. I was scammed no further connection with the seller, requested my money back from seller it was declined and never heard from since. I sent it through XXXX which I use through Wells Fargo. I contacted Wells fargo on XX/XX/2019 they gave me the run around and told me it is XXXX problem. I than contacted XXXX on XX/XX/2019 and they cancelled the sellers account but can not refund me my money due to it's the banks job as they just process the transaction and do not take it from are bank accounts.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

Equifax reports that a breach ( cyberattack ) may have hit 143 million customers and confirmed that the XXXX XXXX security flaw Equifax failed to patch is to blame for hack. The National Institute of Standards and Technology states this security flaw has been in the wild since XX/XX/XXXX. 
If those XXXXwo events were n't terrible by themselves, Equifax uncovered the breach on XX/XX/XXXX but did n't announce the breach until XX/XX/XXXX. 
The worst part is tha
t three Equifax upper managers sold stock before the breach was revealed. This is gross negligence and insider trading. We live in a world where security breaches are a common occurrence. This type of event is one that nefario
us parties from foreign countries have been waiting for. An example needs to be made so that other companies start taking security seriously.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (VA)

SLS just started servicing my mortgage account effective XXXX/XXXX/XXXX. They are trying to raise my payment from XXXX to XXXX because of an escrow deficiency that is not there. My taxes and insurance are less than XXXX a year and they are requiring and escrow payment of XXXX, the current escrow balance is XXXX and my taxes are due XXXX/XXXX/XXXX and insurance is due XXXX/XXXX/XXXX. This new amount will cause financial hardship and is not necessary. With this new requirement, by Escrow account balance will be {$3700.00} on XXXX XXXX, XXXX. That is over a XXXX surplus by the time my insurance bills in XXXX XXXX.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

My name is XXXX XXXX, I 'm a resident of XXXX XXXX, XXXX where we were effected by the Hurricane, I called Ditech Financial for a forbearance help which I believe it 's the Law and they refused to help, saying our county was not recognized as federally disaster area, Which is Totally false. Please help me as I am overwhelmed with Repaires and I could really use this forbearance help to catch up. 
You can contact me at XXXX
Consumer complaint received 2016-06-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (GA)

Car loan paid off in XXXX. Agreed upon a lump sum payment {$9100.00} after not missing XXXX payment from purchase date of XXXX XXXX, XXXX on a XXXX Kia Soul for {$270.00} a month. The difference of XXXX roughly was listed on my credit report as a charge off dropping credit score from about XXXX down to XXXX. Paid over {$17000.00} in less than 3 years on vehicle. I did not understand that a lump sum payment would be considered derogatory with the XXXX difference. I offered to pay the remaining balance when I found out. Account should never have been listed as charge off and now they reviewed and decided to make it a settlement ... which is what it could have been considered initially ... but after knowing the circumstances were not from any form of delinquency should be considered and reported in a different way. Please help ... these delinquent reports to credit agencies will hurt me far worse than me paying them the XXXX! I have offered and they would rather ruin my credit!!!! Single mom no child support paying every bill on time and just need what 's fair ... not asking for handouts. I was a loyal customer to Wells Fargo Dealer Services and they have just destroyed my credit without a second thought.
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (TX)

XXXX - XXXX Lien Holder - Specialized Loan Servicing is reporting late payment on my credit report after I provide proof that I was never late. 
Fixed Rate - XXXX Lien Holder - XXXX XXXX is also reporting late payments on my credit report after I was told they were n't going to report my mortgage payments late once I began my new trail payments plus the lender is showing my mortgage account as a foreclosure. 
Note, I also provided my bank transactions showing when my mortgage payments were drafted prior to the due date.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (NJ)

I stopped payment on a check before it was cashed, 2 days later it was presented to PNC, they cashed it against my account, which I am not too happy about. They stated that if you do not stop payment on a check three days before it is presented for payment, then the check can be cashed. 
I was a manger in many banks for 23 years, I never ever heard of such a regulation. If the payment was stopped, it was stopped, and now with XXXX checks are cashed XXXX, so how can it be that it is three days before the check clears.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

the Credit Reporting Agencies are showing a judgement for treatment at XXXX. I have NEVER been treated at XXXX ( XXXX ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Experian is reporting parking tickets and refuses to remove them. It is now XXXX XXXX and they still refuse to remove them. Exp and the other CRAs are all signatories to a settlement with the DA of XXXX and have legally agreed not to list fines and so forth that are not the result of an official contract entered into by the account holder, specifically library and other city fines such as parking tickets. I have sent them information on this settlement with XXXX DA XXXX ( XXXX ). The settlement was to go into effect in stages and the stage where they were to remove parking tickets et al was to take place on XXXX XXXX 2016. Experian is now in violation of that legal settlement yet refuses to remove the items.
Consumer complaint received 2015-05-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Southern Star Automotive Inc. (GA)

I bought a car from a " buy here, pay here '' dealership. A month after the car was purchased, the car was repossessed as soon as the last bit of my down payment was made. From what I can remember, the car was purchased in XXXX of 2012 and it was repossessed in XXXX of 2012. The first payment had not been made. The " owner '' of the dealership, XXXX XXXX, made some serious and false accusations towards my person. XXXX Police Department was contacted to place a police report. Now, 3 years later, after trying to purchase a car, I discover that this was placed on my credit report as a repossession.