BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In early XX/XX/2023, I called Toyota Financial because I could not make my car payment. Until then, I had never been late. I was given a XXXX month deferment and told that I could another XXXX months if I called at the beginning of XX/XX/2023. Because I still need the extra XXXX months, I called today, XX/XX/2023, to request the deferment. I was asked why I needed the deferment, and I told them financial hardship, the same reason I had given XXXX months earlier. Within in minutes, I was told my request was denied. I was told Id receive a letter of explanation. The woman with whom I was speaking was not at all helpful but did request that a supervisor call me. She said that could take XXXX to XXXX hours. I asked if there was anyone else with whom I could speak. She said shed try to get someone in the resolution department but came back shortly and said no one was available. 

I spoke with XXXX other people over the course of the morning. The second woman took more information about my financial hardship and said the first woman should have asked about the nature of the hardship. This second woman said she was recording what I said. However, when I spoke with the fourth and final person, I learned she did not. 

The third person actually put me through to someone in the resolution department. That woman, the fourth person with whom I spoke, was rude and condescending. All she would tell me is that my financial hardship did not qualify for a deferment. She kept focusing on only XXXX aspect, other expenses, but would not listen to the nature of those expenses or why I had them. I even tried to explain the circumstances surrounding the actual purchase of the car and how the dealership had taken advantage of my lack of knowledge, how they had misrepresented aspects of the deal and/or left out important information, and how they had forced me to take add-ons I did not want. She just kept repeating the same thing, your financial hardship does not qualify for an extension. No explanation other than there are reasons it doesnt qualify that they dont disclose. 

I ended by telling her that she was giving me no choice but to voluntarily surrender the car because I would not wait for the indignity of an actual repossession. She then said something about other options becoming available once I was behind on my payments. I was too upset to listen further. I was trying to resolve things in good faith. I was also trying to reduce my stress level because I deal with extreme anxiety and other health concerns which are exacerbated by stress. 

Toyota Financial refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Wells Fargo unnecessarily delayed a XXXX transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: ZIONS BANCORPORATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is a copy of a letter I sent to Nevada State Bank on XX/XX/2021 regarding a complaint on my Home Equity Line of Credit account # Last month I had to call several times because the an error in fee. There was a small draw fee of {$30.00} that was added in my account that was not part of the contract. This was later removed after contacting my loan officer, XXXX XXXX. 
I also questioned the balance that was transferred into my new promotion of 0.90 % for 12 months which was around {$90.00} more than I expected but was reassured this was correct. Here is an excerpt of my communication with the loan officer : Yes that is correct but if you look at the XXXX statement, the 3.25 % was used to calculate the interest rather than the 1.99 % interest rate. The XXXX statement is correct because it used the correct interest rate but in XXXX statement a wrong interest rate was used. I think the extra {$90.00} or so came from the incorrect 3.25 % rate which my heloc never had as my account went from the 1.99 % promotion to the 0.90 % promotion. Please have some review this as I still believe that my calculation is correct. 
I called today XX/XX/2021 seeking clarification on the interest charge for the XX/XX/2021 statement which is incorrect. I am not sure where the {$100.00} interest for the average daily balance of {$88000.00} at a 0.90 % APR on a 30 days cycle came from since my calculation the interest should only be {$65.00}. Even the statement which listed a XXXX daily rate comes to only $ XXXX for my balance. The representative I spoke to does not know the reason and informed me that a ticket will be created for the back office to review. 
Lastly, I gave up with using billpay to send my monthly payment to this line of credit. I am not sure why the Nevada State Bank system of processing payment is very unreliable. All other billpay payments I have with my bank XXXX XXXX posts in timely manner. My account with XXXX XXXX notifies me of payment sent to Nevada State Bank to ensure receipt by XXXX of each month. However, my payment does not post into my line of credit until 7-12 days after the XXXX day of each month which is very concerning as I could be hit with late payment for payment sent on time but not processed on your end on timely basis as what happened 3-4 months ago which was later corrected after only contacting the bank of this error. This poor process also creates a huge disadvantage to the consumer with line of credit account as interest rate is calculated on daily basis and any additional day of payment not posting is an additional day of interest charged to the account by the bank. This may be illegal and is the reason I am writing this letter to preserve my rights. 

I hope these concerns and errors are addressed in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX on XX/XX/2023 I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

Company response to consumer: In progress
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Radius Global Solutions LLC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Northland group showed up to my XXXX on XXXX parking next to my car. The passenger got out and was looking in the windows of the vehicle. No one came to my door or called prior or sent me anything in the mail. My dogs alerted me to someone messing with my vehicle. I took pictures of their plates and vehicle. Upon doing so the gentleman took off then called me from a number that showed up as northland group. They showed up again later that night. Again just parked next to my car and no contact made, after my dogs alerted me and I was hearing outside they took off. I have yet to reiceve any communication from the debt collectors stating they are debt collectors, what debt, etc. But they have repeatedly called since XXXX. They do not state anything and for this reason and due to no correspondence I have blocked the number and yet they still call. I have asked several times for them to stop contacting my unlisted cell phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I have been a customer at Check N Go for over 6 years, never been late or missed a payment and never had any complaints until now. I also use another cash in advance company so I have a pretty good idea of how the system works. I am a XXXX senior on both XXXX XXXX and XXXX so I get a check on the first and the third but I get my loans for the third because thats when the larger check comes. In XXXX I went to Check N Go on XXXX XXXX in XXXX XXXX Mi where I began to loan since I recently moved to the area, in the beginning it was fine and the customer service was good. Suddenly I noticed many of the friendly faces that were there began to disappear and the XXXX regular face that stayed was XXXX, hes an older guy who I assume became the manager. XXXX is a big guy who has a deep voice and he sometimes try to come across as being intimidating even grumpy at times. I took out a loan for {$600.00} in XXXX and because XX/XX/XXXX fell on a Saturday, I asked if I could pay back my loan on Saturday since it is a busy day for this store. I have repaid loans on Saturday at other locations and also at this store before, but XXXX said you get paid on Friday, I replied that I know and he continued to service me. Now assuming he had granted my request we finished our business and I left the store. I found out in XXXX that he may my payday for the XXXX and deposited my check because I was prepared to call in my payment on the XXXX as I always do. I have been in XXXX XXXX for over 30 years and received many awards and letters of recognition for my service, the reason I call in my payment and come back later to reloan is because this store is always crowded on the XXXX and XXXX so we have to wait for hours because they dont have enough help and XXXX XXXX elderly and slow himself, trying to wait on customers and answering the busy phone. Check N Go closed a lot of locations last year so this added more customers to locations already crowded, many seniors have no choice but to endure this situation and it would seem since there is a 30 day payment policy we should be able to choose the days available to us within that time frame. Customers often complain that they need more help at this location and XXXX doesnt help with his attitude and slow service. This is bad for business and Im sure people who have a choice are going to other places. I feel that his actions were wrong and put my checking account in default because of his unwillingness to grant my request. I noticed that many of the complaints about this store in XXXX are about XXXX and he still hasnt changed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my Tracking Number # XXXX XXXX XXXX XXXX XXXX. However the Credit Bureaus said the completed the Investigation and EVERYTHING was 100 % Accurate. 

According to The Law 15 U.S. Code 1681a- Definitions ; Rules of Construction.

The Term " Investigation Consumer Report " means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to.???? 

How did they complete this INVESTIGATION??????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My equifax account is reporting my car loan as closed when has been open since XX/XX/2015. I have disputed 7 times, called the creditor who agrees with me and states they are not reporting it as closed, and Equifax keeps " investigating '' then closing the investigation without fixing that account. My Equifax score is 100 points lower than my XXXX and XXXX scores because of this mistake. I have called Equifax and they don't understand the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been fighting with XXXX and TransUnion to report proper history for 3 student loans that they continuously report late for months that were in forbearance. My wife contacted the student loan people directly and they confirmed there should be NO late payments reporting for the year XXXX, XXXX nor XXXX and if one call can confirm this why haven't either one of the companies made that call or even asked for the paperwork? I have been working on this since XXXX and have yet to get them to fix the mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are XXXX inquiries on my credit that were done without my consent. I have contacted the credit company Equifax to remove them since XX/XX/XXXX but they refuse to do so. Please help. 
Date of reporting : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX ( Loan XXXX ) appears on my Transunion, XXXX, and XXXX credit reports. I have received no notices from XXXX XXXX XXXX with regards to this fraudulent, inaccurate, and invalidated information on my 3 credit reports. 

XXXX XXXX XXXX has not validated this debt as per 21 CFR Part 1006.34. 

This matter will be brought to court with all parties involved ( XXXX XXXX XXXX, Transunion, XXXX, & XXXX ). This matter is adversely affecting me especially financially including negative decline of my credit score which has plummeted from a XXXX to now a XXXX. 

Remove XXXX XXXX XXXX from my Transunion, XXXX, and XXXX credit reports. 

My research on XXXX XXXX XXXX shows that they are above the law and they foreclose on people 's home while under bankruptcy protection, they disregard all court rulings, etc. 

Is XXXX XXXX XXXX the sister firm for XXXX XXXX XXXX XXXX XXXX XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and I am submitting this Complaint via the CFPB to formally request an investigation and correction of the listed accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. I believe these accounts are reporting inaccurate information. I was never late on these accounts because I always make my payments on time. I keep my own payment records and the record the Credit Bureaus present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Please take a look at the following accounts that are reporting erroneous information on my Credit File : XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXXXXXX XXXX Balance : {$580.00}. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish the Credit Bureausr investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: ID Analytics, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted and disputed incorrect personal information in my consumer disclosure file with SageStream. I have called them repeatedly but they don't answer the phone and do NOT return calls. 
Dispute letters sent on XX/XX/XXXX ( certified mail XXXX XXXX XXXX XXXX XXXX ) and again on XX/XX/XXXX ( certified mail XXXX XXXX XXXX XXXX XXXX ). 
Most recent letter was received on XX/XX/XXXX giving them, by law, 30days to XX/XX/XXXX. 

To date, I have not received a resolution or response to this dispute letter. At this point, by law, they are past time to show verification or proof information on record. These disputed incorrect items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, On XX/XX/2022 I noticed an unauthorized transaction in my Wells Fargo savings account # ... for {$11000.00}. I contacted the fraud department at Wells Fargo and reported this unauthorized transaction and was told to open a new account with new passwords and login credentials and close any existing accounts, which I immediately did. The fraud department representative helped me submit a claim in order to stop the still pending transaction from being completed. They gave me verbal assurance that the transaction would not go through since it was reported immediately. On XX/XX/2022 I logged into my account to find that the funds had been successfully withdrawn from my account, which prompted me to immediately contact the Wells Fargo fraud department once more. The representative wasn't helpful and told me to wait on the decision of the claim I submitted. After not hearing back on the end of the XXXX business day, I contacted them again on XX/XX/2022 to discover that a decision had yet to be made. I was told they needed additional time to come to a decision and to wait for a phone call. After failing to receive yet another phone call about my claim, I contacted Wells Fargo on XX/XX/2022 and was told that my claim was denied because they claim I authorized it, which is completely false. I have been very patient and professional with the fraud department at Wells Fargo and am fully confident that they came to the wrong decision. I made no such attempt to withdraw this money and am looking to have this decision corrected by reaching out to the Consumer Financial Protection Bureau. If there are any questions about this fraud incident, please feel free to contact me at any time. I am hopeful that the money will be rightfully returned to me after a further investigation into this incident. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation