BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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: Problem with personal statement of dispute

Complaint:
Back in XXXX, XXXX I was told that after I made my settlement payment of {$1700.00} on XX/XX/XXXX to Toyota Financial Services for my Toyota Motor Corp account that their dispute group will remove this account from my credit report but once they recieved my payment they did not do anything. I called Toyota Financial Services numerous times and wrote numerous letters of explanations, good faith letters begging and pleading to them to please honor what they said and remove this negative account from my credit report because m currently facing financial hardship due to the XXXX Pandemic. I am XXXX Positive Im very sick and I need to downsize and move into an affordable new apartment ASAP, but this negative account charge off is affecting my credit report negatively and is preventing me from getting an apartment approval. I've spoken to different supervisors at Toyota Financial Services and even they sent emails to their dispute department on my behalf informing them of my current hardship due to XXXX and my request to have this account remove. Prior to making my settlement payment I spoke to Toyota Financial Dept. Collection a XXXX XXXX XXXX XXXX managers numerous times regarding my account they was handling Toyota and I was told this account be removed from credit report. I ' very hurt that Toyota Financial and their dispute group refused to help me. It's like once they receive my settlement payment they did not care about what anything else. I feel it's not fair that I have to suffer for 2 long years I struggled to pay my Toyota account due to financial hardship. Now that I finally settled this account with them they refuse to honor their request and remove this negative account from credit report. I reached out to Toyota Corp office pleading for them to help me. I even reach out to all three credit beau 's I did numerous disputes against Toyota Financial but they could only help s little because Toyota denied each dispute. What am I suppose to do now I can not get any apartment approval or credit credit approval or a home loan approval because of this negative account showing on my credit report. Even though I paid Toyota Financial what I could they refuse to show Empathy and help me during my financial hardship due to XXXX. I've been a Toyota Financial Client since XXXX my account was in good standing until I had an unexpected car accident on XX/XX/XXXX that caused me to total my car and my GAP Coverage Insurance did not cover my full total loss balance which caused me to have outstanding dept with Toyota Financial. This issue ( negative account on my credit report is ) is preventing me from moving forward in my life because I can not get an apartment approval and I must move ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In accordance with the fair credit Reporting act, has violated my rights. 
XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Re : XXXX XXXX : XX/XX/1995 XXXX5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

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 2021-04-27
Company: EQUIFAX, INC.
State: CA
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:
I already reached out to EQUIFAX and to XXXX XXXXXX/XX/XXXXand notify them of their error posting of information on my report. I was never late on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: MoneyLion Inc.
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im trying to move and I didnt get approved because of this closed MoneyLion account of {$420.00} on my account

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 2019-02-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My SSI check is usually direct deposited on or about the XXXX  of the month ... my XXXX check was deposited early this year because of the holiday. On XX/XX/XXXX, Funds showed as available so I started paying bills. TD Bank hit me with overdraft fees, which I caught almost immediately and called them to ask why they would hold a government check direct deposit that showed as available and hit me with fees? They responded by telling me they saw that that happened, and they would refund the overdraft fees. 
This month, they reordered my charges, held cash deposits, and have charged me a total of 9 overdraft fees ( including a {$35.00} fee on a {$1.00} charge on XX/XX/XXXX ) ... online banking does not show accurate balance for days, there is no notifications of overdrawn account, and my account does not show as overdrawn online. 
Yesterday, XX/XX/XXXX19 ... I checked my balance, determined that it was overdrawn by {$130.00} ( because of 4 overdraft fees ), and deposited {$200.00} with a teller at a TD branch ... I asked if my account now showed a positive balance, I was told yes at XXXX XXXX ... my phone app also showed a positive balance. 
At XXXX XXXX on XX/XX/XXXX, I checked my balance to double check before I made a small purchase, and my balance was XXXX ... I had been hit with 5 more overdraft fees, that were not pending, and that the teller did not see 20 minutes before as pending.

I called TD Bank on the phone and was told 1. It is not their responsibility to alert me to a pending negative balance 2. It is not their responsibility to inform me that I have a negative balance 3. It was  very nice that I banked with them for 15 years, but I was not entitled to a refund because they had given me a " courtesy refund '' the month before ( when they held my direct deposit for 3 days so they could charge me overdraft fees ... which they admitted to ) I informed them that I would be moving my banking to another institution after my direct deposit cleared on XXXX XXXX. I was told " not to threaten them '' I told them this was not a threat, I could simply not afford to bank with an institution that thought robbing me of my XXXX money was acceptable, as long as they weren't caught at it, and it's not a " courtesy '' to give me back my money which you fraudulently took and admitted to taking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2020 Spoke to XXXX requesting resolve of fraud on my account After 45 mins she had to transfer me as she could not understand I explained to XXXX I HAD XXXX  XXXX I COULD NOT HOLD PHONE MUCH LONGER WITHOUT THE PAIN  FROM HOLDING PHONE CAUSING XXXX  XXXX PLEASE I CAN NOT HOLD MUCH LONGER She treathened to send EMS to my home IF I DID NOT CONTINUE TO HOLD EVEN LONGER Please LOOK AT MY RED PAINFUL XXXX  XXXX! ( * How cruel to require me to HOLD OR ELSE SUFFER CONSEQUENCES * ) THIS ON LINE BANKING ONLY GIVES ME NO ACCESS ON LINE EITHER XXXX PEOPLE HAVE RIGHTS MY CIVIL RIGHTS DENIED ALL OTHERS CAN GAIN ACCESS USAA has been telling me for 2 years they will correct Then they send me to collections WITHOUT GIVING ME ANY ACCESS ON LINE OR BY PHONE AND TGEY HAVE NOT RESOLVED FRAUD/ID THEFT ON MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I never received the phone from XXXX so this account was never activated. I report it few times to them and advised to claim to carrier for lost the package and forward the claim information to XXXX so they can close the account without impact my credit. 
I even received the ticket number from XXXX after I talked to few supervisor. 
However I found that they report to Experian as I still owe them the money for the phone that I never received. 
Here is detail on my Experian credit report. 

XXXX XXXX Account Name XXXX Account Number Cell Phone Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$3000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$3000.00} Original Balance {$3000.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$3000.00} Balance Updated XX/XX/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 explanation
Consumer complaint received 2019-02-21
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I was filing my taxes in late XX/XX/XXXX and needed to know what student loan interest I paid for XX/XX/XXXX. On the XXXX XXXX XXXX website, it alerted me that my tax information was available. When I clicked on that, it told me it would actually be available in late XX/XX/XXXX. I called XXXX and they informed me that only my father, the primary borrower had access to this information. My father does not know his login or account information, so he could not access this information. After another call to XXXX, I learned they would be mailing the 1098-E form. 

My father received the 1098-E form, and the student loan interest paid is listed as one total number. My father is the primary borrower for myself and my brother, and there was no way to see what interest was paid for each individual loan. 

I tried to look at the payment history for XX/XX/XXXX so that I could manually add up the interest Ive paid, but the only history they give is the last payment received for each loan. I called XXXX  again today, on XX/XX/XXXX, and they confirmed that the 1098-E is not itemized. They also confirmed that I have no access to payment history, and that I have to request that payment history be sent by mail. The payment history will be arriving by mail in 7-10 business days. 

My student loans were sold to XXXX in XX/XX/XXXX by XXXX XXXX, so my father received a 1098-E from XXXX as well. This 1098-E has  itemized information for student loan interest paid with the loan number. The XXXX  website also does not list the official number for each loan, they just number them 1 or 2, so I cant even see what loans they are referring to. 

This lack of information available is frustrating and should be corrected. My other loan provider, XXXX, gave me access to the 1098-E, and also has a full payment history detailing what payments went to principal and interest. 

This is not my first issue with XXXX or their website interface.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: ALLY FINANCIAL INC.
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a account with Ally XXXX XXXX, I tried to move funds from my account to the bank and the fund transfer does not go through and displays following message. 
Unable to process this request. Call us at XXXX. 
I called the number and have been on that line trying to speak to a representative and no one answered even after 2 hours. 
The account also is blocked to sell any stocks i own or to buy, Thus making me loose a lot of money. 

There are these issues for the last 4 days and have made me loose a lot of money.

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 2019-02-21
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from Equifax stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing Equifax and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CFM Group LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We were operating under a license from XXXX XXXX XXXX and terminated our relationship with them as of XX/XX/2018. We then terminated our business with one vendors, XXXX, who continued to bill us after termination of service. 

Now, we have collection agency demanding payment for services/products that were not provided to us. 

We have asked this company to stop contacting us, yet they continue to do so. 

CFMGROUP, LLC XXXX XXXX XXXX XXXX, GA XXXX We do not owe any debt to the original vendor nor to this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, I noticed my Chase bank card with the numbers ending in # XXXX missing from my purse. The only person at my apartment other than me was a guy named XXXX XXXX. I did not believe my card to be taken by this guy at this point. However, later, after he left my residence, I tried to send money via my account to my to my daughter. My transaction was denied. That is when I checked my actual account and saw my money missing. XXXX had taken out a total of over {$700.00} from my account. those charges are as follows. XXXX {$400.00}, {$100.00}, {$100.00}, {$100.00}, & {$21.00}. I immediately contacted the bank as well as cancelled any access to my card and changed the pin. I also immediately filed a police report. That report has been included. I then sent the police report to chase bank thru their secured messages as well as thru fax. Each time I have contacted them, they tell me that they have denied my claim and when I've asked about a dispute, they say they will reopen the claim. however, now I've been told that they can no longer open the claim again and there is nothing further they can do. My money still has not been returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied to XXXX for a credit card so I could trans act business on internet finally was promised a XXXX dollar sign up gift was denied because my bank chase bank is a backer of XXXX XXXX chase has been lowering my credit limit each payment I make so as to keep my account in a maxed out position and chase caused me not to fairly get a XXXX card so that can do commerce on the net I pay my bills even when they raised it to XXXX dollars a month and I have a 100 % payment rate XXXX and chase has conspired to dishonestly and illegally deprive me of credit when I have met all the criterion of a solid credit partner I was originally a XXXX XXXX member then was handed off to XXXX XXXX then a antitrust sent me to chase, this account has been the primary account of my entire life, I have not failed to conduct myself and my banking responsibility I am a Veteran of the XXXX and I think these institutions giving me a steady aggressive hit on my credit report is deplorable as well as a hard credit inquirey I have a home that is worth thousands of dollars and I own many expensive things how is it that I get all this grief for a lousy XXXX dollar credit line that diminishes every month, somebody at chase and XXXX is treating me poorly with zero justifiable cause please help me stop their dishonest business practices against me if you can help anyone it should be me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get my Experian report for almost 4 weeks now. I can not reach anyone over the telephone, and was told this was because i am a customer of their free service. I have used to contact and explain my frustration with Experians horrendous services. Those actions have led to email correspondence which has been useless, too. The online system is unable to verify my information. Attempting to upload my documents for verification is a dead end. The phone self-service has been a waste of time. I have been trying to access my credit report because I was denied credit in the last 30 days. Now, I am being denied a credit report even though this right is federally granted to me.

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 2019-06-09
Company: Riverwalk Financial Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, Original creditor XXXX, i disputed this account with XXXX   because it was fraud account someone bought a car under my name and XXXX removed but XXXX wont remove it and i disputed it twice with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My minor daughter is receiving solicitations from Discover, and I did not grant permission to do so. She is only XXXX years old. She does not have a credit card from Discover and this website does not give me an option for filing this complaint without selecting " Card Holder ''. She does not have, nor has, a Discover card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: MO
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:
Where do these accounts come from? I have no business transaction with any of these accounts. The account should be remove because they don't belong to me..XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
MediCredit is calling me using pre-recorded messages on my cell phone and leaving voicemails. I never authorized this. Please read the attached letter. I want medicredit to contact my authorized representative. No lawsuits have been filed as of yet. 

XXXX XXXX XXXX XXXX. XXXX SBN XXXX ) XXXX XXXX XXXX XXXXF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( 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 explanation