BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was contacted by a Toyota Financial employee today through my workplace. She immediately started discussing my laps of payment of {$450.00} ( less than 30 days ) to the person who picked up the phone used by my office. My supervisor was the one who answered the phone and the caller, as stated, immediately started discussing the delinquent payment without verifying who she was speaking with. She only stopped when my supervisor interrupted her asking who she was trying to speak to. My work eligibility is reliant on my credit and take these types of calls especially seriously which is why at the beginning of the loan we asked that Toyota Financial not contact me at work. The reasoning for the late payment was due to it previously being on auto payments through my bank. As my wife deals with most of our finances I mistakenly thought the auto pay was through Toyota. I called to speak to them about this and see why it was not on auto pay. The representative started the call by stating that there were two payments pending in their system, one via web ( which my wife did ) and one via their " app-based '' payment system ( which neither of us have ). At the time I did not know if my wife had made two payments or not so did not question this at that time. We discussed the auto pay where he informed me it wasn't set up through Toyota. As I attempted to end the call he said we weren't " finished '' as I had not yet paid. This was incorrect as we had previously discussed 2 payments were pending. In discussing the issue I had of the other representative calling and speaking to my supervisor he stated that would not have happened. When I explained that regardless, it had occurred, he blamed me for it occurring saying she wouldn't have called if I had paid on time despite being aware that it was a simple technical error. After discussing the calls with my wife I found out she had only made one payment. The account was checked and found to have 2 payments pending. The only payment authorized by us was via the website at XXXX, XX/XX/21 ( today ). I have cancelled the secondary payment but only knew about it due to me calling Toyota Financial a second time. I know it doesn't necessarily have bearing on FTC related complaints, but it is worth noting both representatives were extremely rude in their conducting of each phone call as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit Karma solicits business from thousands of lenders and while they do this they ruin people 's credit. They intitially say there will be no affect on your credit and then several lenders have pulled your credit and you end up with all these inquiries. 

I received a letter from XXXX XXXX  say they did not approve a loan that I didn't even apply for. There were inquiries on my credit report. 

Just recently, they did the same thing with the help of XXXX XXXX messing up people 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX  DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Solar Mosaic LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contracted with XXXX in XXXX of XXXX to install a solar   system  at my residence. I financed the solar system through XXXX preferred lender, Mosaic Solar. XXXX led me to believe that they could install the system before the end of the XXXX tax year. And when the system was installed and active, I would no longer pay my utility bill, but would I would have a loan payment. On XX/XX/XXXX, I received an email from the XXXX project coordinator saying that they in the process of getting a building permit. The result was that the system was not install by XX/XX/XXXX, costing me to lose out on a portion of the federal tax credit in the amount of about {$2500.00}, in a year that I needed it. 

In XXXX and XXXX, I waited to hear from the project coordinator about the installation, making a few calls, but not receiving any answers. I finally received an email on XX/XX/XXXX from a new project coordinator, stating they were still waiting for a permit. On XX/XX/XXXX, I received two emails, one from the new project coordinator re-stating that they were still waiting for the permit, and the other, a notification from XXXX stating that they were suspending installations because of the shelter in place situation in California. 

Then, on XX/XX/XXXX, I noted a debit to my checking account from Mosaic in the amount of {$200.00}. I called Mosaic, and was informed that this was my first monthly payment on my solar system loan. Further, I was told that 50 % of the funds, some {$14000.00}, had already been distributed to XXXX. I complained that the solar system was not installed yet, had not even been started to be installed, and in fact there was no building permit applied for. They told me they were going to investigate further, and to date I have not heard anything further. I have tried calling XXXX, however, they have stoned walled me, and will not discuss anything beyond the fact that they are not doing installation until the shelter in place is lifted. 

In the meantime, I am continuing to pay my utility power bill ( ~ $ XXXX/month ) and now on top of that, a loan payment for a non-existent solar power system ( ~ $ XXXX/month ). Instead of reducing my monthly utility costs, I am now burdened with a loan for a non-existent system on top of my utility costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: FL
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:
I have submitted multiple fraud disputes to Experian based on a trade line that is reporting as a charge off on my credit report. I contacted both the original creditor and the entity that purchased the debt second hand after default. The secondary creditor conducted a fraud review and subsequently removed the negative reporting from my credit report. I have contact the original creditor multiple times and have been told that they are no longer reporting this line item and that I should contact Experian directly. I have attempted to work with Experian multiple times, raising multiple disputes regarding this issue and they continue to report this negatively on my credit report.

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 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I recently checked my credit report and saw fraudulent accounts. I been making multiple attempts to contact hem they 're constantly changing there point of contact which is making it had to contact them. Meanwhile, they are reporting inaccurate accounts with proper validation and in violation of section 609 of the Fair debt collecting Act.

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 2021-04-03
Company: Paypal Holdings, Inc
State: MS
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a item online, through my PayPal credit account on XX/XX/2021, and I cancelled the order within 24 hours of purchase. I received emails from the merchant " not '' acknowledging the request to cancel the order. I was still billed for the item, so I filed a dispute with PayPal through their resolution Department and I received an status email back stating my dispute did " Not '' qualify for a dispute? Since when in America, in accordance with American Consumer Law, does a citizen have to pay for a cancelled order? I actually cancelled the order within " 10 '' minutes of ordering it, but I am still being billed for the charge on my credit account. IT was a split payment, but [ t ] hat is an option PayPal gives the customer on how to pay if the customer wants to do it that way. I am prepared to file a complaint with the FTC and XXXX ( which I already did with XXXX ), this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: WELLS FARGO & COMPANY
State: PA
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 had multiple student loans with Wells Fargo Education Financial Services.

As soon as the payments started I put my account on auto-payment. Most, if not all of the loans ( I need to review paperwork to confirm ), were scheduled to be finished in XX/XX/XXXX. 
I haven't received monthly statements due to being on auto-pay. I recently received a bill in the mail for {$50.00}. This is less than the monthly payment I have been making since XX/XX/XXXX. I thought this would be a final payment and that is why I was receiving a bill. I called and they told me it was not a final payment. I received the bill as I " ran out of payments ''. When I asked what that means, I was told that I had made the required number of payments on the loans ( by auto-payment ) but that they hadn't been collecting enough to pay off the loans in that number of payments. Not only had they not been collecting enough over the last 10 years, but I still owe {$9000.00}. 
I have escalated this to multiple managers at Wells Fargo and they will not even call me back, much less explain how this happened. I do not know if it is legal to extend the length of a student loan due to not collecting enough, but it is unethical at best. 
That is beyond the fact that the company is ignoring my inquires on how to fix this problem. Again, I have followed up multiple times, and the last time I spoke to a supervisor ( XXXX ), she promised I would receive a call today with an update. When I didn't receive that phone call, I feel I have no other recourse but to contact you and hope you can help 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 explanation
Consumer complaint received 2022-08-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have ( XXXX ) separate Estate checking accounts with USAA that I established as the Executor of both estates. Both accounts have had {$0.00} balances for months and months. There are no outstanding transactions. I have sent a letters to USAA asking that the accounts be closed. I have tried on the phone multiple times to close the accounts. I keep talking with ill informed and incompetent people who keep saying there is missing documentation, but they can't tell me that means nor can they provide me what documentation is missing. 

The first account is titled is The XXXX XXXX XXXX XXXX, # XXXX. 

The second account is The XXXX XXXX XXXX account, # XXXX. 

I have talked with banking representatives and I have talked with customer relations representatives. Thus far the only thing that has been accomplished is to increasingly raise the level of my frustration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. My funds were locked up and i can't access them. I am a student and i was relying on those funds for my survival. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have informed XXXX, XXXX and Transunion that they are all reporting my XXXX payments and dates differently. 
They have failed to accurately update the payment history. In accordance with FDCPA 807 violation- reporting inaccurate and misleading information has to be deleted immediately. Please have this removed.

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 2019-02-07
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate 16 errors on my credit report. Over 30 days have passed, and I have not yet received a response. They are required, by law, to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: MD
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 submitted a dispute and an FTC report for fraudulent accounts on all 3 credit bureaus. 

Experian - XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00}

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 2018-06-17
Company: FORD MOTOR CREDIT CO.
State: TX
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:
XXXX XXXX has erroneously place a 30 day late payment due on my account for the month of XX/XX/XXXX. I leased the vehicle from XX/XX/XXXX and the lease ended in XX/XX/XXXX in which I made all contractual lease payments on time. My lease payments were made in full. At the end of the lease there was a balance of approximately {$4100.00} unknowingly due to mileage. I was not able to pay off the balance however I have been paying the arranged amount of XXXX per month which is indicated on the call and check I sent in ( see picture attached ). I have been sending this payment in monthly. XXXX XXXX is misrepresenting me as late on my lease payment of {$610.00} per month which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, INC.
State: TX
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:
On or before XX/XX/2021, On or before XX/XX/2021, On or before XX/XX/2021 I have contacted the credit bureaus in regards to accounts that do not belong to me. I am a victim of id theft, I am a victim of credit fraud, I have mailed in sever id theft reports to the credit bureaus and to no avail. The following accounts are identity theft accounts and shall be removed at once. 

1. XXXX XXXX  2. Account name unknown 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX  6. XXXX XXXX student loans 7. Any and all Inquiries within the last 2 years 8. Any and all addresses within the last 2 years 9. Any and all names that do not match my legal name 10. Any and all telephone number. 11. Online information systems I hereby grant and give permission to the consumer finance protection to act and submit this information on my behalf to the credit bureaus. Any and all collection accounts listed in the report all collection accounts in the report. I hereby demand they be deleted and removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello I was sick with XXXX and im still getting back to normal. I looked at me credit and seen 24 inquiries that I never gave permission all is listed below I need these removed. I dont know whats going on. Please help and delete. 


XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021

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 2017-12-07
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. I sent a letter of verification and requested the original lender 's information, so I may investigate the debt said owed. I also requested proof AD Astra Recovery Services , Inc could legally collect in the state of TN. 

I requested this information on XXXX XXXX, XXXX by mail and did not receive a reply. 

On XXXX, XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not licensed to collect in the state of Tennessee. 


Please assist me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: ALLY FINANCIAL INC.
State: SC
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 need credit report update XXXX Ally Bank and 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
Consumer complaint received 2021-09-08
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2020 with the response and sent back they made a bunch of Lies it's the true they harassed me making threat calls what all you said in that respond with notebook telling stories and I'm asking for this to get disputed off my credit report you ain't never tried to work with me help me on this year show me proof send Consumer Finance through what you told in that statement you don't send the pru it's all a bunch of Lies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt name is XXXX XXXX  XXXX thats what appears on my credit report the name with no account number and is inaccurate

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