davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I leased a XXXX Toyota Corolla from Toyota Financial Services. When the lease was close to ending in XX/XX/XXXX, I traded in my XXXX Corolla for a XXXX model. I made 2 payments to TFS ( XX/XX/XXXX and XX/XX/XXXX ) that were to be payments toward my new lease. Instead, they were credited to an excessive wear charge ( which I will argue later in this note ) and I was assessed a late fee. Even with the money being credited to the excessive wear charge, there was still a refund due to me that has not been sent or credited to my lease payments as of XX/XX/XXXX. TFS did credit the late fee back to my account. In XXXX I received about 5 phone calls a day, including calls to my work phone, from TFS demanding payment of a bill I did not owe. The only way to stop the phone calls was to make an additional payment. Customer services representatives continued to claim they never received the XXXX payment. One rep. insisted I did n't know what an e-check was and told me that it was a paper check sent by the bank. She said it must have been lost by the USPS. 

I had my credit union trace the payment and they confirmed that Toyota received and accepted the payment. On XX/XX/XXXX Toyota finally found the payment they had received on XX/XX/XXXX. They said they would credit my XXXX lease but then called back today ( XX/XX/XXXX ) to say that I still owed more money on the excess wear ( which they had previously said was paid in full in XXXX ) and that they were retaining some of the promised refund toward what was still owed. 

As for the excessive wear charges, these include a {$300.00} charge for a remote/keyless entry fob and 2nd car key. The car never had a keyless remote fob. I had previously reported to the Toyota dealer that the 2nd key they gave me never worked for my car. So, I only ever received 1 key for the car and I gave the key back to them when I turned the XXXX model.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (WI)

I sold my house this year and XXXX Mortgage send me a check for my remaining escrow. I deposited this check into my chase account ; however Chase bank put a hold on the check. I called chase bank, and they said the check can not be verified. I called XXXX Mortgage, but they said the check is valid. The guy I talked to at XXXX said it is weird that they cant verify the check. 
Later, Chase bank closed my account and put hold on my check. 
I called back XXXX Mortgage to reissue me a new check, but they said chase bank has already cash the check, so they can not issue me a new Check. 
I called chase bank again, and I told them to call XXXX to verify the check, but the woman said they can not call XXXX Mortgage. 
As at now, XXXX is still holding on with my money.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX I received two emails from Marcus Bank by Goldman Sachs telling me that I had successfully changed my email and phone number. I DID NEITHER! 

I immediately began calling Marcus bank over the weekend of XXXX. I called Marcus bank numerous times to report this. It wasnt until Sunday morning XX/XX/XXXX that I was able to get someone at Marcus bank to understand that I did not make this change. It took Marcus bank a full week XX/XX/XXXX before someone from Marcus bank contacted me to tell me indeed it appeared I was suffering from Identity Theft and they were freezing my account. Since XX/XX/XXXX I have not heard a word from Marcus. 

On XX/XX/XXXX I wrote to Marcus Bank demanding a return of my savings. It is now XX/XX/XXXX and I still have not heard from Marcus Bank.
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (TX)

I have contacted Experian in regards to credit cards that were open in a result of identity theft and a collection for a apartment that was open in my name without my knowledge or consent. I have sent police reports and utility bill of where I lived at the time that my identity was used. With me providing police reports and utility statement indicating fraud Experian still was not able to prove the collection agency could verify this debt. If they insist they have I request the method of verification. For the account XXXX XXXX, XXXX XXXX XXXX. XXXX
Consumer complaint received 2022-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MA)

Navient is the servicer to loans purportedly co-signed by my XXXX  mother. I have delivered all required documents to gain access to the disclosures and loan documents. Ive made repeated calls all to no avail. 

My mother was an XXXX XXXX with minimal education and likely didnt understand what she was signing. That aside, I cant get this company to provide me with the basic documents or explain how they treat the estate of a decedent. 

I have been trying to get this information since XXXX. The added stress of this situation, and the monetary impact are made all the worse as I have to put aside my grieving to deal with this issue for my family. 

Any help would be appreciated.
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

I ran into several issues when trying to open and now close my Citi XXXX card. I can not log in online, and by looking at emails I apparently now have two cards open based on the last four digits displayed. I never received, nor activated, either of these cards. I believe these are both closed, but I'm being charged their annual fee. I spoke several times to their customer service team and they told me I wouldn't be charged these fees, it would be credited back to the statement, etc. However, I keep receiving emails my fee is late, and the amount of the fee increases due to late payment. I called Citi several times letting them know this is hurting my credit but they say it will go away ( which it never does ). They are unable to send me any confirmation or they are unwilling to provide a confirmation number to reference the call. My last call to Citi was on XX/XX/16 and they told me to wait 3 billing cycles. I will keep being charged late fees and having a late payment on my credit history as they can not correct this.
Consumer complaint received 2019-12-01
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: BARCLAYS BANK DELAWARE (NY)

1. Purchase an online cruise through XXXX  XXXX on XXXX XXXX 2. This charge represented the booking fee ( {$25.00} ) and trip insurance ( {$75.00} ) 3. The cruise was cancelled due to Hurricane Dorian ( XX/XX/2019 ) 4. XXXX XXXX refunded all fees and charges 5. A XXXX rep said the booking fee was not refundable but the insurance should be 6. After no refund, opened a dispute with Barclays 7. Barclays just closed the case so I reopened 8. Barclays then states that the refund policy was agreed at purchase but I was never informed. 
9. How does XXXX retain fees when a ) the cruise was cancelled but b ) more importantly the insurance was not activated nor used as full refunds were provided by the carrier XXXX XXXX. This is fraud and a complete rip off of all consumers
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (OK)

In XXXX, I was contacted by XXXX collection agency regarding an account sent to collections for an Apartment Complex. I moved and due to extenuating circumstances, I was not given credit but, the real estate company demanded payment on my lease. This was sent to the collection agency. I set up a payment arrangement with this company in XX/XX/XXXX for approximately {$230.00}, to be withdrawn out of my account on the first Friday of every month. I heard nothing from this company and as far as I knew, the payments were being drafted. In XXXX of XXXX, I started receiving letters from this company stating that I owed them a balance and needed to contact them to set up a payment arrangement. When I called after receiving the letter, I asked to speak with someone and was told that the Rep handling my account wasnt available, but the gentleman on the phone could help me. I asked him about my account and why I was receiving the letters, he advised that it must be a mistake because he could see where the payment arrangement had been made and was scheduled to draft from my account. I asked him again about the letter and asked for my balance remaining which he couldnt give me but, told me my account would be paid in full in XXXX first, then he changed it to XXXX. It didnt make sense and he stated that the letter was a mistake. I received another letter, now multiple letters and called again, this time the person on the phone rudely told me that they had been trying to draft my account since XXXX and the drafts had been declined. She also stated that they demanded the balance be paid in full because they werent willing to set up another payment arrangement. After yelling back and forth and not getting answers to my questions, I hung up and called my bank. I asked my bank to research any declined charges that hit my account and, they didnt find any. Im not sure what these people are trying to do but, when I call, I dont get accurate information. Additionally, if the auto draft payments declined, why doesnt my bank have a record of them? Additionally, why has this company not sent any correspondence about this since XXXX? Its now XXXX, I havent spoken with anyone about this until last week- the first week of XXXX. 
Im not sure what theyre doing but, the fact that my back doesnt show any declined drafts and the fact that they are demanding payment in full all of the sudden, in addition to the conflicting information I receive from these people gives me pause with regard to their collections practices. Since calls are recorded, they should have a recording of all calls, especially since they have allegedly spoken to me on numerous occasions. Ive only spoken to these people no more than 3 times, 4 at the most. If theyve spoken with someone else, it certainly isnt me! The representative says they have multiple people who gave my name, perhaps they are mixing us up!!!
Consumer complaint received 2021-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020,
Consumer complaint received 2022-11-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

1 ) My XXXX XXXX  XXXX XXXX was locked in my driveway also charging on its locked charge port when a regular tow truck showed up 2 ) The driver came to my front door and asked my name, he then aggressively said I needed to unlock the car untether, unlock it and give him a key 3 ) He didnt provide any paperwork and I didnt know what was going on, he finally said he was hired to repossess my car, I insisted it must be a mistake 4 ) I also told him he likely damaged my charge port and the battery pack under the car by lifting it as XXXX need to be lifted properly, I said if this was legit hed need a flatbed truck and put it in tow mode 5 ) I immediately tried logging into my Wells Fargo Dealer Services account online and the account wasnt there, I feared hackers, I asked him to leave my private property and he said he couldnt 6 ) I called Wells Fargo and had to talk to 3 representatives as all of them couldnt find my accXXXX XXXX XXXX XXXX the repossession rep from Wells Fargo asked me if the car was hooked, I told her I dont know what that means yet she said she wouldn't let me pay if there was late payments, I tried paying with all reps just in case I may be late and none of them would help me 8 ) Wasnt hooked on my private property ( my security camera shows ) as I get off the phone with XXXX 9 ) The tow truck driver again aggressively asks me for a key and to unlock it from the charge port, my neighbors see me crying and witness his aggressive behavior to identify me, ask me for a key and tell me to unlock the charge port in addition to get all of my belongings out of the car 10 ) I insist he can not take the car on anything but a flatbed, XXXX can not be towed they have motors associated with the battery and all electronics, it can cause the batteries to catch fire and electronics to malfunction - he wouldnt listen 11 ) This all happened late day Friday XX/XX/XXXX, I had no warning nor known mail, voicemails or notices that I was late, I asked to pay 5 times before the car left the premises, I told the tow truck driver he cant take my car, and to no avail. Its at a lot in XXXX XXXX 12 ) On Saturday morning, still confused I called Wells Fargo after trying to log in and after several failed attempts to get a rep, one told me she could have me pay the late payment and stop the repossession process, so even if its a mistake, I paid because I want my car back and dont want a mistake in my credit report 13 ) The Wells Fargo agent XXXX said my account is in good standing and all paid with a reversal of this repossession process 14 ) as of XX/XX/XXXX I havent heard from anyone from Wells Fargo and concerned about their mistake of not notifying me, the damage to my XXXX from my wall unit being yanked nearly out of the garage wall by the aggressive tow truck driver who bullied me into providing my key, unlocking the charge unit and continually ignored me when I said please dont do this, you can not tow XXXX!
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NC)

I received an incoming international wire on XX/XX/2022 credited my Citibank Global Executive Banking checking account. The amount credited to my account was supposed to be for {$18000.00}, however {$18000.00} was the actual amount credited. I called Citibank and asked what the {$18.00} fee was for as my account was supposed to be fee-free ( see attachment 1 ). They said it was not Citibank who levied the fee ; that it must have been deducted at the outgoing bank. I called the client who made the payment and they sent back their transmittal advice showing that the full amount of {$18000.00} was indeed debited from their account. 

Unsure of what happened, I called Citibank again on XX/XX/2022. I spoke to a woman named XXXX who informed me that this was actually an {$18.00} XXXX ( XXXX XXXX XXXX XXXX ) commission. She explained that certain banks negotiate this commission between themselves and that it is not a 'fee ' as my account is fee-free. I asked which bank benefited from/received this commission and she replied that it would have been Citibank. I stated that it then acts like and behaves like a fee. She insisted it was not a fee but rather a commission. 

I asked if I had been informed of this Bank to Bank commission and she said that I would not have been made aware of this. I asked if there was a list of XXXX commission banks and she responded that there was not. I asked how I could avoid this fee in the future and she said that there was no way of knowing. I was unhappy that while this account was ostensibly fee-free they had assessed an {$18.00} " fee '' disguised as a Bank to Bank Commission and that it could potentially occur again in the future. She said that I would not be able to make a case to have this commission refunded and confirmed that I may be subject to this type of commission in the future. 

She opened up an investigation for me, ID # XXXX the same day. I received the confirmation of the case in my securing messaging ( see attachment 2 ), but then nothing thereafter. 

This XXXX commission appears to be a way for banks to apply a fee on otherwise fee-free accounts. Worst of all, there is no way to know in advance that this fee exists or under which circumstances it will be assessed.
Consumer complaint received 2017-01-18
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: McCarthy, Burgess & Wolff, Inc. (NC)

Hello ... 
I was told to go to a company named XXXX and they would give me a Loan on one of my Rental Properties. I went to this company and they told me that I would receive a loan but I asked if I paid the Loan off early would that change my payback amount and they told me no. I refinanced my House and paid XXXX on a XXXX loan but they told me that I still owed them XXXX in which I didnt understand. 
They turned the Loan over to McCarthy Burgess and Wolff Collection agency and they keep telling me I owe them XXXX. I have all my documents from my bank that shows I paid off the loan. 

What can I do?
Consumer complaint received 2022-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (NY)

Affirm credit took out 3 charges on XXXX for {$19.00}... XXXX for {$9.00} and also on XXXX for {$19.00} which were all fraudulent. I made several phone calls to affirm notifying them that this was not my charge from a XXXX charge that was not mine. I asked for a proof of debt it was not provided to me, nor anything at all in writing only texts and phone calls after several attempts asking them for something in writing. I also checked my online XXXX orders and there was no order for the fraudulent charge. I received several calls and texts that were also threating and was repeatedly contacted after my bank found in my favor when I filed a dispute and given back my money that they took out that was credited on XXXX in the amount of $ XXXX also have a letter that my information was found to be in a date breach which I sent to them and also filled out and Affirm identity theft victim 's complaint and affidavit. And still they kept trying to contact me. Now I received a collection letter from XXXX XXXX on XX/XX/XXXX that I now am in collections. I have also submitted a dispute with them as well.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XX/XX/2021 XX/XX/2021 I paid XXXX loan payments to account XXXX and self lender is reporting late when I indeed paid 15 U.S.C 1681 Section 602 A. XXXX  I have the right to privacy. 15 U.S.C 1681 Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-23
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-09-06
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: JPMORGAN CHASE & CO. (TX)

Spoke with someone from JPMCB, on XX/XX/2022, that the account was going to be removed from my credit file. To this date the account is still reporting on my credit profile. This is a violation of my rights. A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX has been reporting an account JPMCB CARD XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of 2022, and they stated it was removed, and then reinserted, by the original creditor.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC (FL)

Inquiries XXXX XXXX through XX/XX/XXXX were not provided full credit report and score. No score. No correct trade lines. 
XXXX did not advise until XX/XX/XXXX of issue. 

Ive been consistently denied credit for over 1 year and misinformed by XXXX until recent. My bank did not open trade lines and renew because of this.
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (WA)

Called me more than XXXX times within XXXX consecutive days, Called me within XXXX consecutive days of having had a telephone conversation about the debt, Called me at an inconvenient time before XXXX XXXX  or after XXXX XXXX. I have tried to setup payment plans but financially can't keep up. They call me XXXX times a day.
Consumer complaint received 2022-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

I have a student loan with Navient and I have a cosigner. I was put on a payment reduction plan since XXXX to qualify for a lower payment. I was notified by my cosigner that she has been receiving calls regarding the account being past due not informed that there was a payment program in place. I was not told at the beginning of the program that collection practices would still be in effect. I find it suspicious that she was not told of the program-if she is equally responsible, she should be equally aware of what's happening to the account.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CT)

My credit card was declined at two different stores of the same company : XXXX XXXX, 2022. The amount was {$60.00}. I have been a customer of this company using this account for almost 55 years with no trouble. 

When I contacted the company they said they would verify my identity, but could not tell me how they would do it. They said they would send me something to help verify my identity, but would not tell me what they would send or how they would send it. 

The company has been billing me monthly for almost 60 years but the bills stopped coming after XX/XX/2022.