BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I called Toyota Financial and explained in XX/XX/XXXX that I could not pay my monthly payment for a leased vehicle due to I contracted XXXX XXXXI asked for help to prevent them from repossessing the vehicle, and Toyota Financial did nothing to help me.I was going through a financial hardship due to the XXXX. I could not work because I was in quarintine. I made a payment to try to stop the process.Toyota financial said they tried to contact by mail, I never recieved any mail from Toyota Financial, and I called them and there response was that they did not care if it was sent and never made it to my home address.Then XX/XX/XXXX the vehicle was repossessed without my consent .When I woke up the vehicle was gone from my driveway.I thought someone stole the vehicle so I called the local police department, that is when I found out the vehicle was repossessed.I have been battling with the after affects of XXXX which has decreased my income.I spent {$1200.00} that I did not have to spare to retreive the vehicle that was repossessed.I tried 4 times to speak with a Supervisor from Toyota Financial and they have never returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 2 Credit cards with Capital One. I went to make a payment on both of them and accidentally made a payment twice to one card. When this was figured out I called to fix and they moved payment around but still decided to report the payment late to the credit bueauas. I have talked to several people and they refuse to call me back to fix this issue while I am trying to close on my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is attempting to collect a debt, and not knowing what they were about, I looked them up Texas Secretary of State Finance Code and discovered that they do NOT have a surety bond on file with the state, so therefore, it is unlawful for them to collect debts in this great state of ours. Not only that, the debt is not mine, and I have told that to the endless callers, and to only contact me via mail. But they keep calling. And calling. And calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/XXXX I received a letter in the mail stating I owe XXXX for an apartment I never even applied for let alone stayed in! I call the apartment complex and I was told I moved into the apartment XX/XX/XXXX which is impossible bc I brought a house XXXX 2017. Into further investigation someone stole my identity and I was able to get information for the person who stole my identity they actually work for a apartment screening company and Ive only applied to one apartment since living here in Ga. I believe that is the person who stole my identity. The apartment complex who say I owe the only too said they can not release personally information since I showed them it wasnt me! They do not verify ur rental history or verify your job at the apartment complex all they ask for is id and recent check stubs!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX & XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-09-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I HAVE SENT SEVERAL LETTERS TO THE CREDIT BUREAUS THAT THE BANKRUPTCY IS REPORTING INACCURATE AND SHOULD BE 100 % ACCURATE. THE DATE FILED AND THE COURT NAME IS NOT CONSISTENT AND THIS COMPANY REFUSE TO REMOVE THE ACCOUNT WHICH IS AGAINST FCRA LAWS. I HAVE SENT LETTERS IN XX/XX/2019, XX/XX/2019, XXXX, XXXX, AND XX/XX/2019AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is Portfolio Recovery Associates ( PRA ).

I have repeatedly asked them to : 1 ) stop calling me until they provided me with proof of ownership of the de

bt 2 ) provide me with a document trail ( legal trail ) that they do indeed own the debt and are legally entitled to collect it ( date acquired/how acquired/verifiable proof, not just a comment in a phone call ) 3 ) provide a list of payments made since they acquired the debt 4 ) provide a document trail of other third-party companies ( law firms/private collection agencies ) that they have used to collect payment from me and provide full payment statements from those companies 5 ) complete statement of all payments made and any additional charges that were added on to debt 6 ) stop calling me repeatedly throughout the day 7 ) stop leaving empty voicemails or to leave voicemails 8 ) stop claiming that I am refusing to resolve the debt that they allegedly claim I owe to them 9 ) prove that they are not trying to collect on a statue barred debt Portfolio Recovery Associates claim in their phone calls that I am 'refusing to satisfactorily settle the debt in during ( the ) phone call ... '. This is a statement that THEY repeatedly make in the few calls I have had with them. I repeatedly deny during these calls that this is an accurate statement made by me. It is a statement that THEY are making and then claiming that I have said.

I have not told them that I would not work with them to settle the debt, only that I want legal, verifiable proof that they are legally entitled to collect. 
They have not bothered to send me the documentation. They call from various numbers up to five times or more a day, daily. They have now called me on Sunday at XXXX ( XX/XX/XXXX, XXXX ) which is in violation of legally allowed calling hours : " It is legal for debt collection agencies to call you ... and between XXXX XXXX and XXXX XXXX ( your local time ) on Sundays. '' PRA has sent one document that looked like someone typed it up on a computer, scrawled out some illegible signature with illegible date. Then photocopied it and mailed it. No court stamps or other identifiable, track-able information on the photocopy that could provide legal traceable verifiable proof. No court that I can contact, no cause number, nothing. 
I feel they are harassing me and trying to bully and intimidate me into making a verbal agreement with them over the phone before they fulfill my legitimate request for legal verifiable documents from them. I believe that the statement they make that I am 'refusing ' the debt is an attempt on their part to coerce me, bully me, intimidate me and indirectly cause me to feel threatened and an attempt to try to take additional illegal actions against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Customer service will not provide an explanation of exorbitant ( over XXXX ) fees. I have made numerous requests for a statement of how and when my payments are posted and how the fees were calculated. This company is violating my rights as a consumer. This issue has been ongoing since I bought the vehicle in 2015. The dealer did not give me any other financing options. They rushed me through the process and led me to believe Ally was the only finance option I had. I feel that this was a violation of the TILA and will seek damages if this is n't resolved 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 2019-09-30
Company: EQUIFAX, INC.
State: TN
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 am trying to buy a house and had my credit report pulled. I noticed several items on my credit that absolutely should not be there because they don't belong to me. I've never even heard of these companies before. Please delete these items as soon as possible. as they are causing me hardship, I've also taken the liberty to repoty this to the police where I live and the FTC. The items on my credit are XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been trying to access my deceased wifes XXXX XXXX XXXX sense XX/XX/XXXX from Bank of America. I went to Florida where the account was opened when we lived there with no success. Finally, on XX/XX/XXXX I was told by the XXXX XXXX unit all my request information have expired and to send them the letters of administration and they would get back to me right away. They gave me a reference number : XXXX. 

The safe deposit box was opened XX/XX/XXXX and I have know idea as to what the contents are. We moved to Pennsylvania in 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 2018-05-20
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:
I sent a dispute letter to Equifax certified mail and after 45 day I have not received a response from credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: TD BANK US HOLDING COMPANY
State: VT
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:
Last year, there were a few orders I used my card for, where the orders were either not delivered or not delivered in tack to merchant policy. After trying to work with the merchants, three required a dispute involvement. TD cancelled the card ( s )  and replaced them with new ones. The disputes were ruled in my favor, after additional information was requested and provided. The balance of those amounts were refunded to the old account number of the cancelled cards ( not the current card/account ). It took 3-4 months to get one of the three 's  refund applied to the current account ... an additional 4 months for the second ... and almost a year later I am still awaiting the third 's refund to post to my current account ( ideally with the interests added in the last year to the initial charge ). Since then I have requested my contact information with my address be updated, and it took almost 7 months to have a TD representative correct this on all systems. In XX/XX/XXXX of this year there was a fourth dispute that required a TD involvement. There was not a new card replaced, however in XX/XX/XXXX/XX/XX/XXXX a TD representative ( XXXX/XXXX/XXXX name and a woman ) contacted the merchant ( XXXX ), who confirmed a refund of XXXX was due to the account, but she was not the person to bill it correctly. I was told by TD this conference call was recorded for records. To get information from this case, I had to call the department almost 20 times over a 5 month period. As of XXXX  2017, my account balance is reported incorrectly ( by about XXXX $ USD and interest ) as well as incorrectly reporting my mailing address for over a year while have representatives claim to have 'fixed ' the error and being told to wait 10 business days, just to have to call every two weeks for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter ( XX/XX/19 ) from WFFinancial Svcs. informing me that they are issuing me a CC with a {$5000.00} + cap. I loath WF  and would never apply to them for a CC. 
I tried calling Only one phone # for WFFinancial Svs. In XXXX XXXX, SD and call is never picked up ; continuous elevator music. There is no contact info in the letter for which to contact them. I did track down the issuing offices in XXXX XXXX. 
I do NOT want credit cards listed as mine. It reflects poorly on my credit, not withstanding that someone may have applied in my name/ stole my identity.

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 2019-05-06
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have provided all my current financial information to the lender and they keep asking me about a job I no longer have! They have removed me from review for no reason and we have already contacted their office within the last month over 8 times advising they have incorrect information 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
Consumer complaint received 2019-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a checking account with Bank of America for over ten years. This weekend with no warning or notice they closed my checking account. I was actually left stranded several hours from home because I wasn't able to use my card to call a XXXX or XXXX because they had closed everything down. 
I called several XXXX numbers they provided looking for information. 
Noone was willing to give me any information about why my account was closed or how I would be receiving the money that was in the account. 
I went to the store and also wasnt giving any information. I received nothing in writing. I went to the bank and was told to call the number i called the number and was told to go to the bank. 
This bank is holding my money hostage and also refusing to give me any kind of information about why or where it is. Please 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 monetary relief
Consumer complaint received 2018-05-20
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed by XXXX XXXX  Wednesday, XX/XX/XXXX, due to me being three months behind on payments. I have been sick and dealing with paying bills at the same time. I have asked this company to give me a chance to catch up, with no success. This company for the last year has been harassing me for payments, so I had a cease and desist request put on my account, but I was never informed that my car would be repossessed. XXXX  XXXX  never gave me a chance to retrieve my personal belongings and now l has to come up with {$1500.00} by XX/XX/XXXX to get my car back. I've been met with rude, condescending representatives at all levels trying to resolve this issue. 
The last correspondence I got from XXXX  XXXX  was XX/XX/2018. 
I don't appreciate being treated like a criminal. I've tried my best to keep up with the payments, but this company refuses to work with me. I'm going to file a complaint with the Illinois Attorney General 's office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive filed disputes with all XXXX  XXXX  TransUnion requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX  XXXX  is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.

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 2017-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital One processed one UNAUTHORIZED hard credit inquiry with XXXX on Tuesday, XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Statebridge Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've received numerous notices from Statebridge Company starting on XX/XX/2019, that indicated my home hazard insurance had lapsed and they would charge me for insurance coverage if I didn't provide proper documents. 

Each time, I sent the appropriate documents from XXXX XXXX that showed my insurance had not lapsed. The second-to-last contact, I requested and received an email from a representative to : 1 ) indicate the documents had been received ; 2 ) my account had been updated ; and 3 ) I would not be charged for insurance. 

Today, XX/XX/XXXX, I received a letter dated XX/XX/19 indicated they had not received documents and they purchased insurance on my behalf. 

Please help me resolve this so that the items numbered 1 ), 2 ), and 3 ) are addressed by an accountable representative at Statebridge. 

All corresponding documents are attached. Thank you for the help!

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 2019-03-28
Company: KEYCORP
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have had consistent issues with KeyBank 's web site as well as making payments and completely LOST IT on them tonight. 

They are always placing blame on the bank, or sorry we are having issues with our site and then charging late fees! 

Like I have time to sit and monitor when my payment goes through, when it doesnt, and when their site decides to work. 

I want ALL late payments reversed. 

Please see documentation showing payments being made then for some unknown reason which Key can not figure out, they disappear into never never land and no one can tell me why the payment has not cleared my bank. 

Of course its the banks fault. 

I have double checked the account, its accurate. 

Please see the uploads and assist. I think they are trying to obtain a boat that is almost paid off and sell it. 

I actually re added the account and it says it already exists, just to verify the account number and routing is accurate.

ITS THEM! Please assist. This is unbelievable. I love the customer service rep tonight that said, " I understand your frustrated .... '' with a TUDE. I mean REALLY?? Its not a problem that you, Key Bank, are having major issues accepting payment from a legit bank account and I am the problem?? That I say Its YOU? That is a problem?? 

They need to get on the ball and explain WHY my payments are not being cleared. 

Thank you.

Company response to consumer: Closed with explanation