davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (SD)

We started our lease with Toyota Financial Services in XX/XX/XXXX on a XX/XX/XXXX XXXX XXXX. Initially, their promotion was that Toyota will make our first payment, so when the payment invoice for XX/XX/XXXX showed up, we contacted Toyota to make sure they would make the first payment. Toyota claimed that they already made the first payment when we took delivery of the vehicle in late XX/XX/XXXX, but no record exists of them making any payment. Our recent credit report shows our payments over 30 days old, which is not true. We printed off the entire payment history and none of our payments have been over 30 days late. We discussed that with Toyota Financial Services XXXX they have documented comments XXXX and they reversed a {$34.00} Late Fee and agreed to update our payment history to show NO delinquent ( over 30 days XXXX payments. That has not happened yet. Our normal payment date is the XX/XX/XXXX and payments started XX/XX/XXXX ( assuming Toyota made the first payment in XX/XX/XXXX ). We want our payment history to be clear with no late payments over 30 days with Toyota as they promised during our phone conversation XX/XX/XXXX. Can you help us correct this with Toyota? Thank you.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX my accounts were closed and I was instructed to go into the branch and verify my identity which I did. And once there had to open 2 new accounts which few days later were closed as well. I was told the accounts would be fully closed on XXXX XXXX and then again XXXX XXXX. Then when I phoned again on that date was told XX/XX/2022 the accounts would fully close. The accounts wound up being closed XXXX XXXX and payment was supposedly mailed out on XXXX XXXX. When I called on XXXX XXXX I was told I would receive the check by XXXX XXXX. I phoned in again on XXXX XXXX due to check not being received and was told to wait till XXXX XXXX. On XXXX XXXX I phoned in again and was told they dont issue stop payments and either I would have to wait for the check to expire out in 100 days or be returned to them before a new check would be sent. This is way too long to keep waiting on money that they closed an account for after banking with Bank of America for 21 years. Before the funds were sent out I offered to pay for the check to be overnighted and was told no. I also had a request processed to pick up a cashiers check from the branch to be denied. This is unacceptable to wait months for your money when you have done nothing wrong.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX I received a message that {$180.00} was being deducted from my account. I immediately contacted Wells Fargo and XXXX stating that these transaction was fraud and my account was being used without my permission. I submitted a dispute with Wells Fargo immediately to verify that this is fraud. I contacted XXXX in California to immediately stop the transaction before the person left the store with the product. When I contacted Wells Fargo on XX/XX/XXXX, I spoke with an agent and she stated ( please pull the recording ) THAT WELLS FARGO MESSED UP AND THERE IS NOTHING WE CAN DO ABOUT IT! You WILL HAVE TO GO TO SMALL CLAIMS COURT BECAUSE IT CLOSED ON OUR END. 
please pull recording with the dispute/fraud dept. 

ALSO speaking with the XXXX agent on duty in California she stated that the customer was not required to give/provide id- now that is suspicious?
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

You are reporting an inaccurate fraudulent account on my credit file that needs to be removed. I have warned you over and over again that the account does not belong to me and it is a result of identity theft yet you still continue to report this account onto the file you hold under my social. Attached is a letter stating that it should be removed from the company and them stating that they have requested you to do so. 

Please remove XXXX in the amount of {$260.00} from my credit file immediately.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (PA)

Fees and interest charged for XXXX XXXX  which was done accidentally and reversed. I was told by the first representative and a supervisor I would be credited all fees if the XXXX XXXX was reversed by me. Never received, refused to apply credits as promised.
Consumer complaint received 2018-09-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (AL)

Greentree aka Ditech has my mortgage listed at the courthouse as 2 mortgages I have been trying to sell property but cant get the title clear because of the 2nd mortgage that ditech says dont exist
Consumer complaint received 2018-09-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CT)

I completed / closed on a refinance loan in XX/XX/XXXX, with XXXX XXXX XXXX, {$240000.00}. I have statements from XXXX XXXX that accurately reflect Escrow and Principal amounts along with correct recording of my payments and property tax payments. I also have bank statements that prove I made these payments. 
XX/XX/XXXX - XXXX XXXX deposited {$3600.00} into my escrow ( from my loan ) XX/XX/XXXX - I made my XXXX mortgage payment to XXXX XXXX for the amount of {$2800.00}, {$500.00} extra was applied to principal, {$500.00} was for escrow, the remaining was applied to principal and interest. 
XX/XX/XXXX - I made my XXXX mortgage payment to XXXX XXXX for the amount of {$5300.00}, {$500.00} extra was applied to principal, {$3000.00} extra was applied to escrow, {$500.00} normal payment to escrow, remaining amount applied to principal and interest. 
As of XX/XX/XXXX, XXXX XXXX correctly identified my principal balance as {$230000.00}. 
As of XX/XX/XXXX, XXXX XXXX correctly identified my escrow balance as {$7600.00} On XX/XX/XXXX, XXXX XXXX correctly paid my tax bill of {$2500.00}, leaving an escrow balance of {$5100.00}. 
-I received notice in XXXX that Freedom Mortgage would start servicing my mortgage on XXXX XX/XX/XXXX. 
XXXX - I received a statement from Freedom Mortgage that I was due to make an XXXX mortgage payment, my escrow balance was {$1600.00}, my principal balance was {$230000.00} -WRONG- -I contacted Freedom Mortgage Customer Care XXXX several times stating that have already made my XXXX payment and that escrow and principal numbers are incorrect. Nothing changed. 
-XX/XX/XXXX & XX/XX/XXXX - I emailed bank statements, and XXXX XXXX documents to XXXX to further support my claim that Freedom Mortgage number are not correct.

-I have recently found that Freedom Mortgage also made a tax payment and now refuses to request a refund from my town hall. They made this transaction prior to the XX/XX/XXXX, service date start. I have a document that proves my XX/XX/XXXX, tax bill already paid. 
-I have called spoken with Freedom Mortgage Customer Care so many times ( Wednesday XX/XX/XXXX with XXXX , Agent # XXXX ) and nothing, nothing has changed. 
XXXX - I made my XXXX mortgage payment under the threat from Freedom that my credit score would be affected if I did not pay by XX/XX/XXXX. But the numbers they have are WRONG! I should be able to apply extra money towards my principal, i.e. take the extra money from escrow ( that should be there ) and apply towards principal ... .but they are denying the money exists!!! I am also scared they are not accurately accounting for my principal amount!!!! I have ZERO trust for this company. What can I do??? 
XXXX - Sent email to XXXX to request they stop servicing my escrow. I will pay my own tax and insurance from this point. I don't know what I can do about my town-hall as they refuse to refund me.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I DIDNT APPLY NOR GIVE ANYONE ELSE THE CONSENT TO APPLY WITH ANY OF THE COMPANIES LISTED ALL ARE DONE FRAUDULENTLY. 

1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXXXXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. US SM BUS ADMIN XX/XX/XXXX 8. XXXX / XXXX XXXX. XX/XX/XXXX 9. US SM BUS ADMIN. XX/XX/XXXX 10. US SM BUS ADMIN. XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXXXXXX XXXX. XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2019-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NJ)

I paid in full ahead of having dental work performed and I have a copy of the contract stating I prepaid in full, thousands of dollars and a receipt for the payment. Three years later, out of the blue, XXXX XXXX XXXX sent me a bill for some random services for over a thousand dollars that were not in the original contract. They also tried to double bill my insurance company 3 years after treatment and it was denied. When I refused to pay, they sent me to Capital Accounts for collections. 

I wrote Capital accounts and told them that no money is due, that I wouldnt be paying a dime and to not contact me again. 

They constantly call me on my cell and my home number every day and send threatening letters every month.
Consumer complaint received 2019-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Over two months ago, I submitted an investigation request to Trans Union. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

Company closed my account without any notification, they said because I dont use the credit card but this affect me because I was going through mortgage process. I tried to call the company spoke with XXXX from customer service and they just closed the account they did not care. They closed on XX/XX/21
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, my Bank of America checking account was closed WITHOUT warning or prior notice. My account was frozen and I was told that I am not able to withdraw my funds from my account. 

I was told my my funds are being mailed to me and that it could take several weeks before I receive my money. 

I have apporximately $ XXXX in the account that is being closed. 

I have bills that are supposed to be paid out of that account in a few days, including my RENT! I am now most likely going to receive late fees for these charges and on top of that I have no money to pay for anything because the bank decided to abuptly close my account.
Consumer complaint received 2018-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX18 I opened a Citibank savings account to take advantage of a bonus offer of {$500.00} if you deposit {$50000.00} and keep it in for 60 days. I believe the bonus was to be paid after 90 days. And for arcane reasons I was forced to open a checking account at the same time, but was never told I had to keep some money in it. I was told the {$50000.00} needed to be in the savings account, so that is where it went. I had no intention of using the checking account ( and ordered no checks ), so I left no money in there ( this is what Citibank later used as their reason for denying my {$500.00} bonus ). I had to wait until Citibank did their trial small ACH deposits into my outside bank in order to link the accounts and then make the {$50000.00} deposit, which occurred on XX/XX/XXXX18. The money stayed in until XX/XX/XXXX18 ( more than 60 days ), at which point I confirmed by phone that I was free and clear to take the money. At the 90 day point I called to ask why I had not received the bonus. They said that because I had kept no money in the CHECKING account for 90 days, they had automatically closed it, and by closing it without warning they were then justified in denying the bonus. At every step I would call in and ask if I was doing everything I needed to fulfill my obligations under this bonus offer. I never made a move without calling to be sure it was okay. I was never told I had to keep a tiny amount in the checking account just to keep it active. I even asked when I moved the money into the savings account from the checking if it was okay. Surely if they had just said " keep one dollar in there to keep it active ' I would have. I think Citibank intentionally does this just so they can deny promised bonuses. I believe this because of the attached document that shows endless numbers of other people who have had similar experiences at Citibank ( this is the XXXX 15-page blog post pdf file ). I filed several complaints with Citibank. They would open a case, then a few weeks later send me a letter denying my claim ( letters attached ). I have also attached my statements for the period in question.
Consumer complaint received 2018-09-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center (OH)

Called several times and sent several letters. I advised them it was a OWCP related injury and they need to contact them. They asked for OWCP information and I advised them to contact the business they got the debt information from. They hung up on me a few times when I refused to give my date of birth. I asked what they had and they would not tell me. I asked for the investigation in writing and how they assumed it was accurate and my dispute was not valid. They said they will not provide anything in writing. I asked for written proof that OWCP was contacted and said they would not pay the debt. They again told me they will not provide anything in writing. They advised me they will just turn it in to collections.I asked them to stop calling and harassing me and they continued to call. The company is XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (IL)

In accordance to the Fair Credit Report Act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of Education ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

I should have ONE name, ONE date of birth, and ONE address
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have spoke to capital one numerous of times and they said my report will be ready by XX/XX/XXXX to take inquire off that is fraud. I have been going back and fourth with them since XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (LA)

I am not sure what I need to do about the school XXXX XXXX of XXXX being closed down for stealing money or money laundering. They never told me a loan was being taken out in my name much less 4 student loans. I dont understand how they got a loan in my name with me having no credit at all. I have taken out one loan in my whole life it was for {$300.00} with XXXX XXXX  and thats it. They had me believing that I was receiving a grant and would not have to pay it back because I was a XXXX XXXX  and was not employed at the time. This has been going on now for almost 3 years I have been trying to get this off my back so I can go back and finish college and receive my XXXX XXXX in XXXX XXXX. I really need some financial support here when I call I can never get anyone who is willing to help me get through this and just get it out the way so I can move forward with my life and go back to college basically just a fresh start. I know they have all kinds of financial support due to Covid 19. Am I eligible for any of those options. Please get back to me I so definitely will be waiting for a response. 
XXXX XXXX XXXX
Consumer complaint received 2018-09-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

The name of the collection agency is Portfolio Recovery Associates. They are constantly calling me in reference to a XXXX XXXX credit card that I had over eight or nine years ago. I am XXXX. I have no income, no social security disability, no welfare checks, no nothing. The original balance of the debt was {$500.00}. Since the account was closed because I couldn't afford the payments, it was sent to collections. I understand the policies and procedures regarding this action. However, I have also disputed the amount and have received no written verification of this debt from the original creditor as requested numerous times.

This company calls my home 3-6 times per day. I have tried blocking the number, but unfortunately, they just change it and my telephone carrier only allows me to block a limited number of callers. Therefore, I can not block them any longer because they keep transferring it to different locations with different area codes. 

It is stressful and harassing. I am completely and totally XXXX, living off of a family member to survive as I do not qualify for SSD. This company is ruthless in the pursuit of a {$500.00} debt which is old, way old, and should have disappeared off of my credit report already.
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I refinanced my house in 2012, instead of an actual appraisal the company used the county appraisal value of the home $ XXXX as a cost saving measure instead of full appraisal. The refi amount was $ XXXX. Fast forward today the loan value is $ XXXX and current home value $ XXXX. I have asked for the removal of escrow ( taxed & insurance ) no PMI ever on this property. The company is telling me that escrow cant be removed because my LTV based on the original inaccurate appraisal is above 80 % and my balance would need to be $ XXXX in order to remove. I have spoken to numerous customer representatives and I am constantly provided a different reason for not being able to remove this escrow
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

There have been several unlawful and unauthorized usage of my credit card from USAA towards the end of XX/XX/XXXX. I made several attempts for USAA to correct this but it did not.I continued making payments on XX/XX/XXXXXX/XX/XXXXand somehow someone withdrew the same amount that I have made and USAA has not properly and completely credit my account. This unlawful and unauthorized transactions continued during the months of XX/XX/XXXX after a payment had been made by me. And since my account had not completely credited, USAA continued to pile up all sorts of fees on my account and also failed to credit my account. On XX/XX/XXXX, after I made several calls to USAA in an effort to have my account be corrected, I called in to cancel my account due to those unlawful and unauthorized charges. In fact, even after such an account was closed, there were additional unlawful and unauthorized activities in my account, USAA claimed that such an account had been used in XX/XX/XXXX. And as a result, my account is completely botched up and it is hard to know what's due on it. Although USAA and I do communicate and are trying to resolve the matter, I do believe that they have also been charging me and assessing unlawful fees into my credit card account, such as charging me on previous billing cycles, among other charges.