davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

Toyota financial services has contacted me repeatedly regarding a debt harassing me and using abuse by threatening to take my automobile. I contacted employees at Toyota Financial Services around XX/XX/year> to make payments over the phone for XX/XX/year> which was done and I have the proof of that on XX/XX/year> in the amount of {$760.00}. XXXX. Apparently the amount was refunded back to me which falls on the company and on XX/XX/year> I did put in a complaint over the phone with the employee and I have proof of this regarding the scheduled payment not going through on XX/XX/year> but it showed as paid on Toyota Financial website. I informed the employee that I shouldnt have been behind on payment do to the employee or company technicalities. After the complaint was put in on XX/XX/year> another payment plan was scheduled for on or before XX/XX/year>. 

On XX/XX/year> on a recorded phone call, a Toyota Financial Services employee call me early in the XXXX regarding making payments when this matter had already been taken care and according to the previous employee that Id spoken too was updated in their Toyota Financial Services system. This violates all of 15 United States Code 1692d-harassment and abuse. Yet, Toyota Financial Services was sent certified mail a debt validation notice and employees have yet to respond to that notice. Meanwhile Ive informed them that payments will not only be made but that Im protected by federal law against alleged debt collectors deceptive practices, harassment and abuse over the phone. 

Federal Law states that : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. 
( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. 


All rights reserved. Void where prohibited.
Consumer complaint received 2023-09-24
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WSFS FINANCIAL CORPORATION (MA)

***AUCTION SCHEDULED XXXX I am having serious issues surrounding my rights after the death of a borrower with my fathers reverse mortgage. 

I, XXXX XXXX am the trustee, estate representative. 

XX/XX/XXXX I notified XXXX XXXX XXXX XXXX of my dads passing. I was informed of the death of a borrower process. I was informed I was allowed up to 12 months to satisfy debt and the extension process was explained. Page 18 in Know your rights. I uploaded the required documents. 

The property is currently ( XX/XX/XXXX ) under a water damage claim/repair that affected half of the 1st floor kitchen and the 2nd floor bathroom plumbing. This process is being monitored by the reverse mortgage servicer. 

This particular foreclosure should have ended with the death of the borrower, but at this point all I am trying to do was get an extension until the monitored repairs are complete and the sale can continue with an appropriate appraisal. 

In XX/XX/XXXX I started getting Foreclosure letters from XXXX XXXX, NO COMMUNICATION from my servicer/lender. 

*** I spoke with XXXX XXXX with XXXX XXXX as advised by XXXX XXXX XXXX to get assistance. The firm representing the reverse mortgage lender asked me when the last time I made a mortgage payment was? I asked if the lender or HUD was given my death of borrower extension requests, he responded by telling me there is no extension process?!? ***
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VEROS CREDIT, LLC. (CO)

I recently was offered a XXXX XXXXXXXX XXXX  with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX  XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX  XXXX, with the original credit name, dates and amounts. 

The compliance department for HR for XXXX XXXX  requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX  XXXX filing, now showing as new debts in collection for XXXX, be removed immediately! 

Those companies are as follows. 

XXXX. XXXX XXXX XXXX- {$2300.00}, showing as a current charge off. 
XXXX. Veros Credit- {$6700.00}, showing as a current charge off. 
XXXX. XXXX XXXX XXXX XXXX- {$3400.00}, showing as a current collection item. 

I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have been a customer of XXXX XXXX XXXX since XXXX, I love that they have given me a second chance to reestablish my credit so that I can obtain employment, housing and a new vehicle someday. However, I was XXXX from multiple employers between XX/XX/XXXX to XX/XX/XXXX which left me without income to pay my bills or anything else ; I have NO ONE TO RELY ON due to being XXXX by XXXX  and what I thought were XXXX. In addition, I was XXXX from my place of residence because I got too behind on my XXXX leaving me XXXX since XXXX of XXXX, I have NOT BEEN ABLE to get employment or anything BECAUSE of the late payments placed on my credit reports and I HAVE WRITTEN TO THE CEO ALONG WITH UPPER MANAGEMENT TO RESOLVE THIS ISSUE. THEY CLAIM TO UNDERSTAND MY SITUATION, HOWEVER THEY HAVE DONE NOTHING AND RENEGAGED ON THEIR PROMISES TO HELP ME OUT!!! I HAVE WORKED SINCE THE AGE OF 15 DESPITE MY CIRCUMSTANCES AND NOW I AM UNABLE TO WORK DUE TO THE XXXX THIS SITUATION WITH XXXX XXXX XXXX ALONG WITH MY OTHER CREDITORS HAVE CAUSED ME. I AM CURRENTLY XXXX AS MENTIONED WITH NOTHING TO SHOW FOR IT, I AM ON SEVERAL XXXX THAT I TAKE TO REMEDY MY XXXX XXXX XXXX BUT I AM STILL UNABLE TO WORK, I HAVE APPLIED FOR ALL ASSISTANCE TO EVERY CAPACITY HAVING BEEN TURNED DOWN BY EVERYONE AS MY SITUATION IS MORE ADVANCED THAN THEY CAN HANDLE AND I AM ASKING FOR THEM TO REMOVE ALL OF THE LATE PAYMENTS ON MY ACCOUNTS ALONG WITH REIMBURSEMENT OF {$480.00} IN LATE FEES TO BOTH OF MY ACCOUNTS AND PAYMENT OF {$140000.00} IN LOST WAGES DUE TO NOT BEEN ABLE TO WORK OR ANYTHING. IF THIS DOES NOT GET RESOLVED WITHIN 30 DAYS, I WILL FILE A LAWSUIT AGAINST THIS COMPANY ALONG WITH AN ADDITIONAL PAYMENT OF {$30000.00} IMMEDIATELY.
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION (MI)

After my ID was stolen in XXXX or 2022 several attempts to acquire money in my name were made by an individual. One of those attempts was a payday loan through Check N Go. After discovering the loan I tried several times to address the issue with the company and was told the loan was valid and that I owed the money. I contacted my attorney generals office and they intervened on my behalf but the same assertion that it was a valid loan and I owed it was made. I then filed a formal FRCA 609 ( e ) request for all information on the account and the third party verification company information ( referred to as a " selfie video '' by XXXX XXXX XXXX XXXX ) that was used to identify me as the loan originator. This " selfie video '' was used in another payday loan by the same individual and passed it by putting a picture of himself on my ID. That company forwarded the information from my FRCA 609 ( e ) request and the police recognize the individual. Check N Go has been provided with the police report, FTC identity theft report, and a copy of my actual ID. After all this they decided to sell my debt to a collection agency when a simple review of my actual drivers license and their " selfie video '' would have proven that the loan was fraudulent. They have since retracted the loan but have not turned over the evidence that they have of the fraud.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 I ordered a part from carid.com I placed the order for a car part for {$16.00} The order showed free shipping so the total charges on my screen came to {$16.00} when I receive the item the company charged me {$160.00} for shipping the item. 
I contacted the company and I contacted the credit card company ( Chase ) to dispute the shipping charges ( which was an extremely unfair amount ). The item weighs XXXX pound so even if they wanted to charge me something for shipping, {$160.00} is extremely high. 

Chase credited me for the {$160.00} and then on my XXXX statement they reversed the charge. And threw {$160.00} back onto my statement
Consumer complaint received 2024-05-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (SC)

I PLACED 3 ORDERS ON A NEW RUNWAY REWARDS CREDIT CARD FOR PURCHASES FROM NEW YORK AND COMPANY ( COMENITY BACKS THIS CARD FOR NEW YORK AND COMPANY ). I AM SUPPOSED TO GET XXXX XXXX OFF OF MY FIRST ORDER ( AS ADVERTOSED ON NYANDCOMPANY.COM, IT'S A DEAL THAT IS ALWAYS IN EFFECT, AND WAS IN EFFECT WHEN I OPENED THE ACCOUNT AND MADE THE PURCHASE ON XX/XX/XXXX ). TO DATE, I HAVE NOT RECEIVED THE XXXX XXXX OF MY FIRST ORDER CREDITED TO MY ACCOUNT, THOUGH I HAVE OPENED A DISPUTE WITH THEM AND PROVIDED THEM THE PROOF OF THE DEAL FROM NYANDCOMPANY.COM. I PLACED TWO MORE ORDERS ON THE CARD-ONE ON OR ABOUT XX/XX/XXXX, AND ANOTHER ON XX/XX/XXXX. I HAVE NOT RECEIVED TO DATE, THE XXXX XXXX FROM THE ORDER PLACED ON OR ABOUT XX/XX/XXXX, AND HAVE NOT RECEIVED THE BEIGE/TAN CLOSED-TOE XXXX THAT I BOUGHT ON OR ABOUT XX/XX/XXXX ( AND I HAVE NOT RECEIVED ANY CREDITS OR REFUNDS TO MY ACCOUNT EITHER ). I HAVE EMAILED NEW YORK AND COMPANY.AT XXXX, XXXX ( ONE OF THE EXECS ), XXXX ( THE CEO OF NEW YORK AND COMPANY ), XXXX ( ANOTHER CUST. SERVICE EMAIL FOR NEW YORK AND COMPANY ), AND XXXX ( THE PRESIDENT OF NEW YORK AND COMPANY ) -NO RESPONSE FROM ANY OF THE EXECS. THE XXXX PEOPLE-EVEN AFTER DEMANDING REFUNDS AND CREDITS-ARE N'T DOING ANYTHING FOR ME FOR OVER A MONTH NOW. I AM NOT PAYING FOR GOODS I DID NOT RECEIVE, AND I DEMAND THAT I RECEIVE THE XXXX XXXX CREDIT TO MY ACCOUNT I AM LEGALLY ENTITLED TO. THIS BORDERS A FINANCIAL SCAM.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX is reporting the wrong addresses on my credit report listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reported is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-04-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (TX)

Ally Financial reported my car loan account to the credit bureaus falsely as a Paid Charge off with $ XXXX written off. I paid this account off in full in XXXX  and they are still reporting negatively on my credit and dropping my credit scores. I have tried contacting Ally to get this matter resolved and they wont help me. This is preventing me from getting a mortgage loan.
Consumer complaint received 2023-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I received notice that my escrow amount will increase the total monthly payment by over 20 % from around {$1300.00}. to over {$1600.00} per month. 

When I contact the company the representative said the increase was due to a short fall for insurance. I advised the representative that there was actually an end of year surplus for the year and why would I need to pay around {$4000.00} more annually for an insurance policy that was changed the previous year. 

The representative hung up. 

XXXX XXXX was the mortgage company, when I previously asked for documentation of a transfer to Carrington mortgage, Carrington mortgage was never able to provide proof.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

I received a notice of debt at my old address/XXXX  XXXX XXXX, ( although XXXX XXXX is aware of my forwarding address ). I did not received anything from XXXX XXXX XXXX  requesting payment or advising of expenses or any debt owed. There was no claim to keep my security deposit at any time. NO debt is owed, as I paid timely, in full, and honored the terms of our agreement ( which XXXX XXXX XXXX violated ), in addition to illegally containing or withholding my security deposit. There were verbal and e-mail communications advising that I could terminate the lease. The apartment was literally placed in BETTER THAN move-in condition prior to leaving, and I vacated when the landlord asked that I vacate so she could 'return my deposit and show the unit '. This erroneous debt was placed in collections LESS THAN a week later ... with 4.75 % interest. The collection agency reported to my credit after being informed by an attorney that the debt was not verified. XXXX XXXX/ XXXX XXXX XXXX/ Hunter Warfield collect LOTS of fees for this invalid, unsubstantiated, immoral, and illegal process and I want to make sure it does not continue.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Trident Asset Management, L.L.C. (FL)

I have wrong information on my credit account including my name phone and credit info that's in correct I have fraud stuff on there and stuff I nevered applied for as well I have inquiries that's not mines as well I have sent in info to the credit Buerus to get it removed and they nevered did need this look into to get my credit fix its really Messing up my life
Consumer complaint received 2023-06-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

I opened a Citibank savings account on XX/XX/23 and deposited {$51000.00}. Per the email after you deposit {$50000.00} you will get a {$450.00} bonus if you maintain that balance for 60 days. I currently have {$71000.00} in this account that I opened on XX/XX/23. It's going on 5 months and citibank still has not paid the {$450.00} bonus. I've made 3 phone calls to citibank regarding this and they tell me I opened it in the wrong savings account. I opened the account through the email I was sent which offered this bonus and I still have the original email.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Yes, This past Tuesday on XX/XX/year>. I went to the ATM I tried to pull out money but it gave me the wrong bill and not enough money, so I decided to do it again but I thought I did a XXXX finger, but it came out the be the same resorts and I decided to go to a different ATM to get it correct. so now Bank of America owe me money due to their ATM gave me an incorrect amount of money! I then called the phone number on back of my debit card and the lady name XXXX XXXX XXXX XXXX promised me that I would get a credit by Wednesdays, which never happened! I want my money back!!!
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XXXX  XXXX XXXX and Transunion are violating my rights. I am not on that account, I was long ago removed from that account last year and, I was only an authorized user on another individuals account. This was not my account. I was removed from the account when account was in excellent standing. Transunion is reporting false incorrect information regarding a charge off of {$3000.00} from XXXX  XXXX XXXX. This is an illegal attempt to keep my credit scores down and report false info to damage my credit. I am not part of this debt, liable for this debt, on this account or involved with it. This is definitely not the 1st time XXXX  XXXX XXXX has tried to use its power to illegally rob a citizen like they were above the law. They should be fined for obvious illegal tactics.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duvera Billing Services, LLC (TX)

Regarding : EASYPAY FINANCE COMPANY The debit originated from a needed car repair. The charge for the car repair was {$2100.00}. After XXXX payments of {$120.00}, I contacted the company and found out they are charging XXXX XXXX interest and {$6.00} per XXXX  in fees. According to the representative the only way to obtain a copy of the contract is to setup an account and login to obtain the contract. I did as instructed, and much to my surprise, there was no contract to be viewed the account showed {$0.00} owed and no future payments. The company is still requesting biweekly payments from my account and they say I still owe a balance of {$1000.00}. 
Is it legal to charge XXXX XXXX? When I signed the contract I had XXXX XXXX interest for XXXX XXXX. At the time of the contract signing I verbalize I won't be able to pay the debt off in XXXX XXXX, so what will my payment amount with interest ( which was not XXXX XXXX  ) be? The interest I agreed to was XXXX XXXX The payments calculated to {$120.00} biweekly with interest.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

We closed our account on XX/XX/XXXX, we told we get our funds in a cashiers check in ten business days, we called back in two weeks, they stated account was in closing status, they would close it and we would get our check the following week still no check, called again now its XX/XX/XXXX the account still not closed, we requested be closed now they stated we would not a get our cashiers check till XX/XX/XXXX, ten business days has turned to two months with Bank of America all because they cant figure out how to close it on the corporate end, but when we go into the branch it shows closed.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I spoke with bank manager, XXXX ID number XXXX and we went through every single payment I made since opening the account. She promised to correct the different allocations between the two promotional balances and send me a letter to this effect. Nothing ever happened. She told me, the correct balances should have been on the interest-bearing promotional balance. The actual balance should have been, very big differences!
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NJ)

MY LOAN SERVICE PROVIDER IS NELNET. Ive tried to Call my Loan provider several times before my first due date of my loan payments.. Never could reach anyone, i was waiting for a representative over 2 hours on the phone and then the phone called just ended abruptly. i also attempted to call XXXX XXXX and was on the phone for hours waiting for a representative to pick up This is unacceptable Ive tried on two different occasions w/ two different numbers to reach Nelnet XXXX XX/XX/XXXX & XXXX  on the phone for almost XXXX hours on XXXX call and XXXX min on another call just trying to reach them and the same exact occurrence happened where the call just ends after waiting so long. I am absolutely Livid! How am i suppose to get in contact with my provider if i cant even reach them on the PROVIDED phone number they give in order to reach them. All of their phone automated recording try to direct me to go online, NO i need a person and i should be able to reach one. I wish my loans NEVER transferred to Nelnet! I shouldnt be forced to make payment towards something i am trying to get help with. 

I did some research and sooo many people have the exact same issue. I dont understand how you can be a provider but NOT PROVIDE. 

I have also spoken with the Consumer Financial Protection Bureau, They have gave me general information and options on how to possibly resolve my concerns and i appreciate with everything the help they have provided for. Which led me to filing this complaint, very much needed complaint indeed.