davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-01
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

I had a lease with Toyota Financial Services and purchased the vehicle after the lease was over. I purchased through another finance company in XXXX XXXX. In XXXX XXXX I received a tax bill from my city for approximately {$30.00} ( which covered the month of XXXX of year when I owned the vehicle ). I paid the tax bill and immeditaely called Toyota Financial Services to find out what I would owe to them for property tax. I was assured by the representative that my account was paid in full and I did not owe any taxes. I explained to the reporesentative that I should owe taxes for XXXX for the amount of time the vehicle was leased. She assured me that I would not owe any taxes. All a sudden a month ago I received a letter stating my account would be in collections if I did not pay the taxes owed. I called Toyota Financial and they advised it was for property taxes. I advised them i was told I owed no taxes and they said the information was incorrect. I asked for a copy of the tax bill because the amount they provided seemed too large to me. They advised I would have the bill within XXXX48 hours by email. It has been 2 weeks and I still have not received a copy of the actual bill from the county. I called again today and was told they were not sure why the request was not put in but they would put it in again today. She said they are backed up and would have it to me in 72 hours. I am afraid my account is going to be sent to collections and will affect my credit and they are not helping me prevent that from happening.
Consumer complaint received 2016-08-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

Navient put me on a reduced payment program and they cancelled it on me without calling me. The woman on the phone by the name of XXXX told me they tried to call me and reach me but could n't. Also that they should have told me XXXX XXXX when they called me to change the payment from credit card to my account which I did.
Consumer complaint received 2015-05-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION (AZ)

BBVA Compass reported to my credit a derogatory charged off loan even though the vehicle was paid off in an insurance claim. They have lied and ruined my financial status, I have been denied credit and have spent over 100 man hours trying to get this banking institution to fix this
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Quick Debt Services LLC (MO)

I received a series of letters from the " Document Service Center '' that, if not fraudulent, were extremely misleading. The last letter I received stated that it was a " Final notice, '' listed the accurate principal balance on my loans ( how did they know this? ), and gave the benefits of consolidating my student loans. It gave information about the U.S. Department of Education and listed steps to create my Federal Student Aid ID through the Federal Aid website. In other words, this form appears official. However, I consolidated my loans in 2009 through the federal government and am already on a federal loan repayment plan. Further, the letter gives a phone number to call " to redeem your federal benefits '' ( XXXX ), which I know is not through the federal government. This is a highly misleading letter that is attempting to make money off of my student loan situation, taking me from the federal protections and obligations I currently have to fewer protections and new obligations through a private company. The fine print of the letter does that that " DSC is not affiliated with the government or any of its programs. '' However, I would like to report this because the letter, overall, is extremely misleading in character and may cause individuals in my or similar situations to consolidate their loans with a private company unknowingly.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (VA)

I can not use my checking account for any transactions. They said I can go to the brach to withdraw cash but thats it. I have asked several times when it would be resolved and what I need to do but they do not give me an answer and just say they are sorry. They said it was a security freeze and they are investigating and they will not know when it will be resolved nor do they know why there is a security freeze. I need to use my bank account in order to conduct my business and survive.
Consumer complaint received 2015-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ResidentCollect, Inc. (MI)

Resident Collect, Inc. continues in their attempt to collect a debt that was discharged in a Chapter XXXX bankruptcy in XXXX 2013. They have sent collection notices and have called my cell phone. My attempts to contact them to inform them that they were listed as a creditor in the discharged bankruptcy have been met with accusations of me lying about the bankruptcy ( I tried to provide them with the case number ), hanging up on me and then calling me back a few minutes later and when I answer they hang up on me again. During a phone call to them, I was explaining that this had been discharged and the rep said in a very sarcastic, belittling manner, " Yeah ... ok ... I highly doubt it ''. When I informed him that I was going to call my attorney about this he stated, " You do that if you really even have one ''. I asked them why they were continuing to attempt to collect a debt that was discharged in a bankruptcy, I was told, " Obviously you owe the money and there was no bankruptcy - so sounds like you need to pay up ''. 

I called my attorney and they verified that RCI was listed as a creditor and that this activity was indeed illegal. She advised me to fax or send them a letter explaining what I have tried already and to include a copy of the discharge. I have tried to contact them to obtain a fax number and as soon as I explain to the rep what I need the fax number for and give them my account number, they hang up on me. I do not want this account updated on my credit report since it was included in the bankruptcy and is not a current debt. I want ALL of their collection activity tactics to cease immediately.
Consumer complaint received 2016-07-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently refinanced my house with Bank of America. I was told that the old escrow account would not be touched as it is an FHA loan. However, to my surprise, I got a check in the mail for {$29.00} instead of {$3100.00}. I immediately called Bank of America and spoke to someone in the Mortgage Department who informed me that instead of lending me the pay-off amount of {$210000.00}, whoever processed my loan only applied or allocated {$200000.00} to the new loan and automatically carried over the {$3000.00} from my old escrow account without my permission. 

As per RESPA ( Real Estate Settlements Procedures Act ), " when you pay off a mortgage, RESPA requires the lender to refund the remaining escrow balance to you. The lender can not use it to pay down your mortgage balance, nor can it transfer it to a new escrow account. The lender must inform you of your right to apply this money to your mortgage balance or a new escrow account when it sends you the refund check. '' I consulted with someone and confirmed that when a person chooses to refinance a loan, the original escrow account remains with the old loan, and escrow funds can not be transferred to new loans, even if it is with the same lender. I was advised that all property taxes and insurance payments I made in the past must be returned to me within 45 days via wire transfer or check. 

I called several times in the past asking for a status on my escrow account and confirmed the {$3100.00} due from my old escrow account. I even obtained an activity report on XXXX/XXXX/16 in the mail. I was never informed of my rights under RESPA, nor was I asked for permission to use those funds towards the new loan account. In fact, when I spoke to a representative from Bank of America today in the Mortgage Department, the lady apologized and advised me that if I would have done it with another lender, that would have never happened and I would have received my full escrow amount. 

I have been a loyal customer of Bank of America for almost XXXX years and I am very upset with this situation. I feel cheated and misinformed, needless to say disappointed at the service I received by the representative who handled my loan, who continuously kept postponing my closing date and did not contact me when I needed to speak to her. It was always very difficult to get a hold of her.
Consumer complaint received 2017-02-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX I purchase some furnitures from XXXX, they were offering 12 months same as cash financing, I take the offer and open an account with Comenity Bank, which is the finance company this store use. I did n't get most of my furniture till XX/XX/XXXX, I pick up about {$2000.00} worth of furniture within next few days, there is about {$4000.00} of furniture did n't get delivery till XX/XX/XXXX. I got charge for the interest due because I have not paid in full by XX/XX/XXXX, but the store told me when I purchase it, that the delivery will be on XXXX, which it did n't happen. I call the store and the Comenity bank, both refuse to help or waive the financing charge due to the delivery where postpone till XX/XX/XXXX. I only have about {$2300.00} left after I made many regular payment over the last 12 months. I was going to make the final payment on XX/XX/XXXX once my 12 months time is up. But according to Comenity bank they say the interest free is only good till XX/XX/XXXX, if I do n't paid by then I do get charge for the interest accrued for the full amount. I have attached the paper work to show the delivery date and the first month statement and most recent month. Please assist with this matter, I feel the retail store and the finance company should n't have charge me for product which I have not received. Thank you so much.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (FL)

On my back ground check for employers, first advantage is showing a felony charge I've not been convicted of and it says no record found from 2016. This is the second time a future employer has used first advantage and the first time afew years ago, I did call and talk to a lady as she was supposed to remove it Someone else with same name on attached file regarding XXXX XXXX in XXXX, this isn't me. I've never been there and know nothing of this. 
On attached file from XXXX the fines due isn't accurate. I owe nothing.
Consumer complaint received 2015-12-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Dominion Law Associates, P.L.L.C. (NC)

When I applied for a home mortgage refinance loan in XXXX XXXX, the closing attorney found a judgment against my property. The judgment is not against me, but against XXXX XXXX XXXX, my ex-husband, and against my property, property that I purchased from him in XX/XX/XXXX. The judgment was also filed in XX/XX/XXXX. The debt collection agency is Dominion Law Associates, XXXX XXXX XXXX XXXX, Virginia XXXX, VA XXXX. The debt is to XXXX XXXX Bank ( I assume it is a credit that XXXX XXXX XXXX had ). I made call after call to XXXX XXXX XXXX, the attorney at Dominion Law Associates with no success XXXX her number is XXXX ). I have also made a number of calls to XXXX at XXXX, ext. XXXX and have not been able to accomplish much toward resolving this problem. 

Bottom line : The default judgment is entered against my property, but not against me. 
The default judgment is against my ex-husband XXXX XXXX XXXX. 
I can not finish my home mortgage refinance application until the judgment is lifted. 
A decision was announced today that the Fed is going to raise interest rates by XXXX a point which will cost me money for years to come because of the incompetence and lack of concern on the part of Dominion Law Associates through no fault of my own. 
On XX/XX/2015, I made payment in full of {$2200.00} to Dominion Law Associates to pay off the debt, and get the judgment released so my banker and attorney could continue with my mortgage refinance. I made this payment using my debit card, and XXXX told me a printed receipt would be mailed to me the following day. After 2 weeks, and numerous follow up calls by me, Dominion Law Associates finally sent sent me a printed receipt showing I made the payment. 
XXXX told me the judgment should be released within 30 days. 
XXXX XXXX XXXX, the attorney at Dominion Law Associates, told me on XXXX XXXX I should not have to pay a debt I did n't owe, and she was going to see what she needed to do to correct it. 
It is almost impossible to get any information from Dominion Law Associates, even though I am not at fault here, in any way, shape, or form. 
There is no public record in the XXXX XXXX, NC court system that the judgment was ever against me. The judgment is clearly against my ex-husband, and has been erroneously entered and is affecting me financially.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo had sent thru charges on today and back dated the charges. I had made a deposit into my business acct yesterday and later that day transferred most to my personal acct. this was on the XXXX. I went by my bank this morning and withdrew some of the funds and both the business and personal were in good standing this morning on the XXXX Sometime after I left the bank this morning after making a withdrawal, somehow Wells Fargo debited my acct and posted the debits for the XXXX which is the prior day and said I had bounced the acct. how can a bank on the XXXX during the day back date a charge and post to my acct the prior day and make the acct negative. The bank stated that it was the transfer of funds to my personal acct from the business is what bounced and I advised the bank rep that I did this transfer online and it will not allow me to transfer more money than is in my acct into another. It will only allow you to transfer the amount u have available when transfer online. This is the second time this has happened in the last 4 months. I have also had issue with Wells Fargo mailing me back an nsf check I ran thru the business acct from a customer. They refuse to provide or give me a negotiable copy of the check I deposited that they state is nsf so I can go back to my customer to obtain the money due to me the last several months that Wells Fargo has refused to send back that negotiable check that I gave them or a negotiable copy. The only thing Wells Fargo has been willing to do is make a xerox copy and give to me that is NOT negotiable. What use is a copy of a non negotiable check. As far as the issues today, they have stated the charges are correct and that I bounced the acct and not their problem. As a customer of the bank, I am very worried about what they are doing as this can not possibly be legal. If was then every bank could just randomly do the debits and back date to whenever to help with their bottom line and fees they would like.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (DC)

I was mislead with the contact and start of my loan. I was provided a quote over the phone while completing the application online. When I submitted the application, the interest loan amount increased over 1 % from what the call center mentioned on the phone.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

Wells are not responding with solutions to our problems ; They writer have not followed thru with promises of settlement they offered ; Here is a total succinct summary of Wells ' offers and settlements needed ; 1 ) Well 's offered to delete the " late payment '' charges of about {$5000.00}, but have not followed up with confirmation of this. 

2 ) Well 's have not confirmed the amount of additional income needed to qualify for a modification based on our recent application for a modification. If we had this we would know what to aim for, instead of this lack of transparency. 

3 ) We must reach a solution so we know what is possible ; In the event we sold, because we cant keep going under this XXXX at XXXX years old and in ill health would Well 's give us the promised {$10000.00} relocation amount promised, based on our XXXX application on which there is no current change. 
4 ) Where action is required by Wells when and how will they act. 
5 ) All this points to a being current, one way or another in the next six months, if Wells will be more XXXXtransparent and answer the question in full..
Consumer complaint received 2016-06-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america charge me {$35.00} returned item fee when in fact the ( {$7.00} ) item was not returned. Bank of America have the amount ( {$7.00} ) in there records but it is not showing in my all transaction records. I believed they purposely hide it. The {$7.00} was drawn by XXXX a financial company. XXXX used my debit card to collect payment and was paid by Bank of America. One thing that puzzles me is if the item was returned to XXXX, it should show that I will have a balance on my account with XXXX. Reason why I file this complain is to recover my returned item fee of {$35.00} and show to others what this bank is doing just to get those fees even resorting to lying. Here are the reasons why I am contesting Bank of America : 1. ) Whenever XXXX collect payments from Bank of America, using my Debit card, the Bank rejects the collection if I have insufficient funds, without any penalties, just like withdrawing in an ATM. 
2. ) Bank of America said they returned the item. No item was returned as per XXXX records 3. ) The amount ( {$7.00} ) is not showing on my account activity. I believed was deliberately hidden from me. 
I tried to resolve this Matter with the operation manager XXXX XXXX XXXX ( XXXX XXXX XXXX CA XXXX ) and the response is " we can do nothing ''. 
I hope you can help me resolved this matter. I believed Bank of America have violated bank regulations skimming customers by fees.
Consumer complaint received 2016-04-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I keep getting phone calls from numerous different phone numbers. There is never a message left on my voice mail, or with who may answer my phone. Today I answered, and I requested a paper bill since i have never received XXXX. The representative stated that there were XXXX previous letters mailed this year. She then went on to say that it sometimes appears as junk mail because there is no return address is on the outside of the envelope. She urged me to just go online and look at the account that way. I do n't care if they design their correspondence to resemble junk mail so that they can pull this XXXX people. I was also a bill collector, and know that what she is telling me is bordering on unethical.I re-asserted my right to a paper bill, and she said that she would note that this has been a refusal to pay the debt. I reiterated to her that I am simply asking for something on paper, and have not refused to pay. I stated to her that she is lying in her notes if she does document the call in that way, and that I would be making my own notes of the call. I informed her that I would specifically be noting how I requested a bill, and got the response that I was refusing to pay the bill. I told her that I would be doing this to protect myself when this went to court to show how Portfolio falsified their call notes when I simply requested a bill.