BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2017 I returned a leased XXXX Prius and purchased a XXXX Toyota Rav 4 from Toyota Financial via the XXXX XXXX Toyota Dealership in California. A few weeks ago I received a phone call from a collection agency ( XXXX XXXX ) that I owed Toyota Financial {$580.00} for " excessive wear and tear '' on the Prius. I asked what the charges were for and requested a report. Three weeks later I received a report saying that the charges were for " floor mats '' and a " second key. '' At the time I purchased the Rav 4, the salesman at XXXX XXXX Toyota, XXXX XXXX, removed the floor mats and took them out of the Prius. Charging me for these is unfair given that I returned the Prius with the floor mats and had no idea I was going to be charged some ~ {$210.00} for them. Secondly, I called the sales man and told him that I didn't have the second key and he said it was fine. There was no mention that I would be charged {$370.00} to replace it. But aside from all that, I never received written notification that this was an outstanding bill before being notified by XXXX. I have a current car loan with Toyota Financial and have electronic notifications activated on my online account through which I paid my Prius and pay my Rav4 car payments. I have a perfect borrowing history. I never received any notification through my online account. In fact, the account balance still says {$0.00}. I also never received a single phone call. I never received a paper notification. Now, XXXX is threatening to report this and damage my credit unless I pay the balance. So I am because I feel threatened. Toyota Financial has behaved unfairly, has been deceptive by not notifying me or communicating in the manner by which I have elected via our online communication agreement, and is being abusive by threatening me with damage to my credit score. I feel that this is wholly unfair, unethical and a violation of fair lending practices. Further, due to the lack of communication about these charges, I was never given the opportunity to contest or reconcile the charges with Toyota Financial before being sent to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23
Company: Quality Loan Service Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
this maybe somewhat similar post but is not this has more information, and now will be held in the XXXX XXXX XXXX and a XXXX Pound note against each individual committing crimes against me. Forgery is a Crime. Black night foreclosing run of the mill operation, with publishing and posting fraudsters, forging my name, securitizing before closing deal not even owner, clouded title, fraud lien instrument, FDCPA Violation of Taxes, Stealing SSI and Cusip money, XXXX Accepted under duress as beneficiary with non-disclosure and another time as trustee, cancellation of note securitization, all fraud trying to settle the accounts and can not and attempting through XXXX XXXX XXXX, and Quality Loan Service to foreclose on the debt of the bank owes to the federal reserve, go to jail. ( CONFEDERATIONS in 2018 XXXX XXXX COURT MARTIAL LAW RULER JURISDICTIONS ) 24 hours to respond to the XXXX XXXX XXXX XXXX, SOVEREIGN AUTHORITY and JURISDICTION FOR AMERICANS. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I closed two matured CD accounts at PNC Bank in XXXX, NC. Last week I received two checks from PNC Bank, one for {$7.00} and the other for {$6.00} with this cover note : " In the past, your account ending XXXX received a special rate offer or promotional rate. We recently became aware that you may be due one additional day 's interest because your rate expired one day earlier than disclosed. '' Two years have passed. I wanted to know the action that was taken by PNC that resulted in uncovering this error. Also, since PNC Bank had my money for two years without my consent or knowledge, at the very least they owe me two years ' interest on the money ... and if they had my money for two years, they had the money of other depositors who were similarly unaware. 

I phoned PNC Bank at XXXX and was given the same explanation as stated above. The " escalation '' agent was to get back to me with answers. I received a call earlier this week ( probably Monday, XX/XX/XXXX ) from XXXX XXXX ( unclear what her name is ) who gave me the same explanation as above. In short, a week went by and I received no answers. 

My concern in writing this complaint is that PNC Bank has withheld earned interest from CD depositors for two years. My amounts are peanuts, I know. The bigger questions are why did it take two years to learn that they had our money and why they have n't paid us interest on this money? Something 's seriously wrong here. Can you get an explanation and our interest for us?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I graduated from the school identified in the earlier prompt. I received an Interest Notice with an option to pay it off to avoid interest capitalization. I did. 

I made a payment in the amount of {$4700.00} on XX/XX/XXXX specifically directing XXXX XXXX to apply it toward the Interest Notice. XXXX XXXX misapplied the payment and capitalized the interest. The issue was not resolved through customer service until I filed several complaints with XXXX XXXX and, finally, with Consumer Financial Protection Bureau. 

Then I received the 1098-E for XX/XX/XXXX reporting the wrong amount of interest I paid in XX/XX/XXXX : {$1300.00}. The actual interest I paid was : {$4700.00}. I tried to resolve this discrepancy with XXXX XXXX before the IRS deadline to file my tax returns. I received an email/secure message that my tax information was reviewed and that the XX/XX/XXXX 1098-E will reflect the correct information. 

Recently, I received the XX/XX/XXXX 1098-E and it only reflected interest paid in XX/XX/XXXX : {$2300.00}. The information in the form is wrong for two reasons : 1 ) it does not include the remaining interest I paid in XX/XX/XXXX which XXXX XXXX promised to correct and, 2 ) it does not reflect the correct amount of interest I paid in XX/XX/XXXX alone. 

I am attaching all documents pertaining to this issue, including XX/XX/XXXX Payment & History spreadsheets downloaded directly from XXXX XXXX   Account with totals of interest paid in each respective year and interest reported in 1098-E. 

Reference IDs for the internal, XXXX XXXX Complaints : XXXX  ; XXXX  ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CURO Intermediate Holdings
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There have been several hard inquiries that have shown on my credit report. I have not applied for anything in several months due to the fact I am trying to clear out my credit debts and raise my score to purchase a home this next year. There are companies that I don't even know who they are that are showing a hard inquiry on my account. My identity was stolen in 2016 and I now have to apply for a PIN every year to do my taxes. Please make sure these are removed as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I had to stop working in XXXX because of an ankle injury. When I call Wells Fargo to inform them that I was suffering a financial hardship and that I would n't be able to make my first repayment I was told that I still had to pay XXXX 's payment. I also informed that woman ( I do n't remember her name ) I talked with the first time that I would be going back to school in XXXX. She said I would only be able to get an in-school forbearance. I called again today, XXXX XXXX, and spoke to XXXX, XXXX, XXXX, XXXX, and a fifth person whose name I did n't catch and informed them of my situation. XXXX transferred me to XXXX to discuss my issue with not being able to afford my payment because I only recently found a job. I was given a ten day grace period even though I informed him that I can not afford a {$250.00} payment. I was informed him that I would be going back to school in XXXX. I was then transferred to a third person ( I did n't catch his name ) to discuss my repayment options. I was then transferred to XXXX to discuss refinancing my student loan. Though I was informed that my interest rate would go up and I would still have to make monthly payments while I was in school, which I ca n't afford. I was once again transferred. This time to XXXX in customer service. After explaining my situation for the fifth time I was thanked for being part of a military family and told that even though I 'm suffering through a financial hardship and that I just recently found a job that I still have to pay {$250.00} on XXXX XXXX, which is the new due date. After explaining to each person about my current financial situation and that on their website it says that Wells Fargo can help if someone is suffering through a financial hardship by setting up short-term payment relief for up to two months as long as youve consistently made your loan payments on time, payment relief for up to six months due to financial hardship, payment options if you are already past due on your account, loan modification program which may temporarily or permanently lower payment amounts. I was still told that I had to pay for the month of XXXX but I was never given an explanation as to why I have to pay the {$250.00} even though I have been suffering through a financial hardship since XXXX and only recently found a job.

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 2019-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX, 2019, I was contacted by a representative of capital one advising me that they were closing my account due to the recent check deposit on XXXX XXXX was not honored. I contacted them last Monday that I needed it to say open to receive my SOC security. I was told the account would stay open. Since my deposit of {$770.00} has gone into the account, the funds are being held unlawfully, and need to be released immediately. I have XXXX XXXX and XXXX, XXXX XXXX and I need to move into an apartment RIGHT AWAY! I have bills - phone, storage, pets, children, and need my money am entitled to right now! I contacted them 3x Friday, and could not speak with anyone as they told me it was with the fraud security. In a recording it says 24 to 48 hours wait time, and still, as of now, havent been contacted by them! Thank you kindly for your patience & assistance in this matter! 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Adjusters says I owe them {$310.00}. I do not have any affiliation with this company or any company that they claim they purchased my debt from. I have disputed this numerous times with all 3 reporting agencies and they keep saying it's accurate when it is in no way valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and Equifax is giving me a very hard time removing a fraudulent XXXX  XXXX XXXX ( XXXX  ) account. I have included ALL of the required documentation pursuant to the FCRA 605B Block of information resulting from identity theft, which states any account a consumer identifies as fraud should be blocked by the consumer reporting agency within 4 days of receiving notice. A dispute was opened for this XXXX account XX/XX/2018. My notice included everything required by FCRA law to block the account, but yet Equifax did not. Nor did they notify me letting me know the account would not be blocked ; which by law was supposed to occur within 5 days of receiving my dispute. 

Not to mention, the XXXX account is now reporting as a charge-off. I have attempted to remove this erroneous account many times, Equifax has made this experience very stressful by " verifying '' each of my attempts through their XXXX system by matching a name, last 4 of ss #, DOB and address. Of course these things will match, it's IDENTITY theft! 

I take paying my bills on time very serious, having a charge off on my report that does not belong to me is very humiliating. I am unable to obtain any credit because of this fraudulent XXXX XXXX XXXX account. Equifax negligence in this matter has caused me undue emotional and financial stress. Submitting my dispute through the CFPB will be my last and final request. If this XXXX XXXX XXXX account is not deleted immediately, I will be left with no choice but to file a civil lawsuit in my county.  I will name Equifax, along with any and everyone who touched my file, as a defendant for violating my consumer rights and putting me through such stress. I will subpoena every phone call, correspondence and record in Equifax 's system ( s ) and file cabinets related to me and will sue for EVERY error found. I will also sue for punitive damages. Please know that I am a litigious consumer and my spouse is an active XXXX XXXX XXXX in XXXX. I am no longer playing this game with Equifax! You will no longer violate me and cause my life a living XXXX from your negligence and willful noncompliance. 

Please also note that you ( Equifax ) are the only bureau reporting this fraudulent account on my credit report. XXXX and XXXX  deleted the account months ago, after my first attempt. Also please note that you all deleted the XXXX inquiry not too long ago as well. That alone verifies there was an error. How is the account mine but the inquiry isn't?! 

Equifax is also reporting the wrong phone number for me in my personal statement section where is states creditor should contact this number before extending credit. The number reporting does not belong to me and I do not know who it belongs to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: Innovis
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Numerous phone calls, emails as well as certified mail sent to innovis, they refuse to remove fraudulent info off my report. Innovis also removed a XXXX  XXXX XXXX account that was open and remained positive which I never disputed.ACCOUNT ENDING XXXXOPEN 2007!!!!! Why is innovis purposely trying to sabotage my credit report? 


all XXXX  XXXX accounts are considered closed via innovis with charge off - all XXXX XXXX accounts open and positive and no positive reporting is reported XXXX XXXX is open and positive, yet innovis reporting closed and negative with no positive months XXXX XXXX XXXX is being reported on legitimate credit report agencies as paid in good standing WITH ALL MONTHS REPORTED POSITIVE AND INNOVIS IS NOT I NEVER OPENED XXXX XXXX IT IS FRAUD XXXX IS NOT LATE FULLY PAID XXXX XXXX XXXX  IS FRAUD NEVER MAINTAINED ACCOUNT I DO NOT USE XXXX XXXX IT IS FRAUD REMOVE XXXX XXXX XXXXXXXX is being reported I don't care if it says requests I can only see I HAVE A XXXX XXXX AND U R LETTING XXXX XXXX ALONG WITH XXXX XXXX   REMOVE IT XXXX XXXX Report # XXXX And XXXX Social sec XXXX - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi, I contacted Ability Recovery Services this morning about a debt on my credit report that I had previously disputed with both the agency and XXXX University where the debt originated. I clearly stated to XXXX the issue and provided proof, this was improperly transferred to collections. When I tried to communicate that this morning an exceptionally rude woman at the collections agency told me the debt was dispute but she knew it was legitimate. I explained it was not legitimate which is why I disputed it. She told me I had to prove it. I explained I had, and asked for the contact information for the university to see if there was another office I needed to go through. She was exceptionally rude and abusive and should be addressed as that is not the proper way to collect a debt. Additionally, she never verified any information, I never gave her any information and she never gave any disclosure that is given about " this is an attempt to collect a debt any info will be used for that purpose..etc ''.

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 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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/XXXX, I requested an investigation into 7 accounts that are listed on my credit report ( XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX ) and on XX/XX/XXXX, TransUnion verified them as accurate ( see attachment ). On XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) and ( 7 ), I faxed a Method of Verification request letter ( see attachment ). I received a generic form letter response on XX/XX/XXXX, stating the procedure they follow ( see attachment ). There is no information pertaining to the accounts in question, nothing specific to me at all. On XX/XX/XXXX, I faxed TransUnion a 2nd Method of Verification request letter ( see attachment ). I received a letter containing the dispute results on XX/XX/XXXX, which states that the XXXX XXXX tradeline was deleted and all others were verified ( see attachment ). It is my belief that TransUnion did not contact the furnisher of information related to these accounts. It is also my belief that TransUnion has failed in their duty to maintain reasonable procedures that would assure complete accuracy of my credit report. I would like to note that matching account numbers and information that is recorded on a third-party database is NOT what is required or expected by law and if their method of verification was only to check a third-party database without verifying this information with the furnisher of information, then they have not done what is necessary.

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 2019-02-04
Company: HCFS Healthcare Financial Services of TeamHealth
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 disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them

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 2019-02-04
Company: Mr. Cooper Group Inc.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our house that was attached to this mortgage had been closed in XX/XX/XXXX and transferred to the new owner. The company has held onto the funds for 1 and a half months and have continuously told me Ive needed to pay to get the loan closed out so it is no longer in my name. Ive paid a total of {$1300.00} out of my own pocket after the funds had been sent for the payoff. The loan is now showing past due and reporting to my credit and as being severely delinquent. The loan is still showing Unapplied funds since XX/XX/XXXX and they reversed a payment of {$1000.00} but havent refunded it or applied it towards the loan

Company response to consumer: Closed with explanation