BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchase a XXXX XXXX 2015 Loan # XXXX From XXXX of XXXX NY from Toyota Motor credit corporation. Toyota was sued from discrimination against African Americans for sale high interest rates and misleading them into bad loans. This hurt my credit score for years i also paid thousands over the price that a normal loan would have paid I have a year and half before this loan is paid off.I feel that this loan ruined my scores for many years Im asking that Toyota Motors consider that my loan is paid in full because of the financial pain it cause me also I believe this was a hate crime and that they should send me a paid in full letter. This loan was done for greed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: IL
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:
I have 6 hard inquires on my report that I do not recognize. I tried to explain to 3 bureaus and the creditors that I didnt recognize them and that they shouldnt be on there. They continue to tell me they cant do anything are all 6 are hard inquires so its hurting my credit. I need them gone as soon as possible. I also sent credit letter to the 3 bureaus and credit to dispute negative items and they have not been responding. Its almost been 2 months. I NEED THEM GONE NOW SO I CAN GET FUNDED FOR MY BUSINESS!!!

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 2019-11-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I got my credit checked today XX/XX/2019 because I am trying to buy a new car but I was told that I didn't get approved for the car loan because there are many accounts in negative standing on my credit report. I looked through each of those accounts and none of them are mine. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I discovered that these accounts belong to someone names XXXX XXXX ; I don't know who that person is nor do I have any type of affiliation to that person. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit nor did I ever make any payments or purchases using any of these accounts. I have already filed a police report regarding all of these unauthorized accounts.

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 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I got my credit checked today XX/XX/2019 because I am trying to buy a new car but I was told that I didn't get approved for the car loan because there are many accounts in negative standing on my credit report. I looked through each of those accounts and none of them are mine. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I discovered that these accounts belong to someone names XXXX XXXX ; I don't know who that person is nor do I have any type of affiliation to that person. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit nor did I ever make any payments or purchases using any of these accounts. I have already filed a police report regarding all of these unauthorized accounts.

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 2021-11-04
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had contacted PNC Customer Service via telephone on XX/XX/2021 about incorrect charges being placed on one of my accounts, monthly. The customer service rep acknowledged that the $ XXXXmonth charge was incorrect and refunded the fees. Even though there is a minimum balance required, since I have multiple accounts at PNC that are all linked, the aggregate balance should have exempted all my accounts from the monthly service charge. Hence the customer service rep refunded {$130.00} for 12 months of incorrect fees ( the maximum he could do, even though the service charges dated further back ). He further stated that this will be fixed and I should not be charged this service fee in the future. This was on XX/XX/XXXX. 

I wrote a letter to PNC on XX/XX/XXXX stating that the fix still had not been applied to my account. I have been incorrectly charged $ XXXX/month since XXXX. As of today ( XX/XX/XXXX ), PNC has yet to fix this issue. They continue to incorrectly charge my account $ XXXX/month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17
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: Information belongs to someone else

Complaint:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I sent in letters to the credit reporting agencies, called over the phone and finally was able to reach a representative for both XXXX and Transunion and tried as best I could to state my claims. Firstly these rep, helpful might I add but they both said they were not stationed in the United States nor could they locate the letters I send it. I'd like for a resolution. 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 explanation
Consumer complaint received 2018-09-10
Company: Experian Information Solutions 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:
I have tried disputing with experian there is a mortgage loan of $ XXXX on my credit for a property in XXXX XXXX XXXX, California. I also called the mortgage company XXXX XXXX and notified them of probable fraud, I sent my an email with my license and social security card to prove my identity. I do not have a mortgage at all. And the mortgage company ignored me and proceeded to not help me at all. I cant even rent a home or buy because of this negligence to verify this information.

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 2018-03-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried numerous times to get this non-compliant reporting situation fixed. Experian credit reporting agency is now in violation several times for not following the Metro 2 Five points of compliance e-oscar  reporting under the Fair Credit Reporting Act.

The Metro 2 Five points of compliance clearly states the following ... 

**1 e-OSCAR is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX , Experian , XXXX and XXXX , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

I have now had the same file deleted off two other data furnishers, but Experian continues to claim that they are verifying this account. 
This is a clear violation of # 5 of the metro 2 5 point compliance rule. They are to modify or delete when another data furnisher does. 

This account is not non-compliant, Experian refuses to remove this account and claims to continue to verify this account. 

I have even asked them to provide a certificate of compliance that went ignored as well. 

My next step is to take this case to court and sue for a large sum as this is affecting my day to day life. 

I have all the evidence I need to support my case. I will attach some of it with this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
National Credit Adjusters {$2100.00}. I have no idea who this comapny is. Can they provide me the original application, ssn #, copy of signature, DL #, & current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Checking Account Ending In XXXX Dear Mr. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed concern with a transaction from XXXX which was deducted from your checking account ending in XXXX on XX/XX/2019, in the amount of {$1000.00}. My attempt to contact you at your telephone number on file, XXXX, was unsuccessful. As such, I felt it best to communicate in writing. The Bank apologizes for any inconvenience you may have experienced as a result of not having access to your funds through TIAA Bank. Records confirm on XX/XX/2019, you initiated a XXXX transfer through your TIAA Bank account. Specifically you requested {$1000.00} to be deducted from your XXXX XXXX account ending in XXXX to be credited to your TIAA Bank   the following day. Bank records confirm on XX/XX/2019, these funds were successfully transferred to your TIAA Bank account as requested. If the funds were never credited to your TIAA Bank account, we request you reach out to them as the XXXX transfer was initiated through TIAA OLB Money Request. I hope this correspondence has addressed any concern you may have had regarding this matter. Please be assured as a valued customer of XXXX XXXX, our commitment is to provide you with the highest level of customer service and consistently exceed your expectations. Should you have any additional inquiries, please contact me directly at XXXX during my office hours of Monday through Friday from XXXX XXXX until XXXX XXXX Eastern Standard Time ( EST ). Respectfully, XXXX XXXX Office of the Chairman CC : Consumer Financial Protection Bureau ( CFPB ) CFPB Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: IQOR US INC
State: OH
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:
I have had $ taken out of my check at my work for nearly 3 years and have never received a statement or any documentation showing this. My employer is not giving me any documentation of anything in writing stating how or why money is being taken. They were only able to provide me a phone number and case number. After XXXX the phone number, I traced that back to Allied Interstate, who I 've never done business with our signed anything authorizing them to act on my behalf. I have not received any statements of my payments or other information. I am also reporting this to the State of Ohio Attorney General 's office, as this company 's address is listed in Ohio on their website. 

I have requested that this company communicate with me only via email, as I will have a record of documentation. I have requested a statement of my account. I have requested a statement documenting the chain of custody of my accounts from the time that I signed my loan documents. I have requested every document that you have my signature on. I have never had a load through Allied Interstate. 

In research RE : student loan collection, I 've read that the collector must be able to provide chain of custody documenting how they have come to hold the loan. I have not received any documentation as such.

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 2019-04-18
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
A check deposit in the amount of XXXX made on XXXX shows funds availability date of XX/XX/XXXX, the processing time frame chosen is ten day days, XX/XX/XXXX is months away not ten days. The transaction ID was provided in prior complaint. That complaint pertains to this error, XXXX XXXX with Bluebird replied and referred to BMA ( Bluebird Member Agreement ) rather than look into the issue, it appears to be a technical error. The BMA has nothing to do with this technical error, I chose ten days a processing time frame instead of money in minutes and again, its showing available on XXXX XXXX. Despite what the rep claims, I did in fact make a call in re and brought it to that rep 's attention, I did not imagine this and the reason there is no record if it is because they do not record and or make note of every call they receive.. If they did record and or make note of every call then their records would be quite extensive to say the least. Needless to say, their claim of no record of call is bogus. Funds should be available on XX/XX/XXXX, which is ten days, not XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Frontline Asset Strategies, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and fraud, where there were multiple credit applications for credit cards and loans filed under my name. This account was fraudulently opened without my permission and consent, I request you to remove and close this account. 
I have already filed a police report and FTC report, this fraud case is under investigation. 
I have contacted three credit bureaus, I have a fraud alert and personal statement in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2021 I had XXXX in account ending in XXXX deposited by TN XXXX. Of Unemployment. I checked my account about XXXX. And all of my money was gone! It was gone because someone in the legal department that was not knowledgeable about the law, gave my XXXX money to an attorney which was XXXX XXXX Firm on a XXXX XXXX XXXX garnishment. The law is supposed to protect any government money unless child support is owed. When I called Suntrust the money was pending. I said Please dont give my rent money away, wait until tomorrow, put a hold on it, freeze it. I spoke to no less than 7 people. Most of the customer service people were not in the XXXX. I knew my money was going to be gone in the morning. No one even tried to find out the truth that they should have known or reach out to anyone. I feel that after the money was gone because someone in legal let it slip through the cracks no one wanted to be liable. I sent emails and everything and havent heard from anyone yet. Finally they told me to get an attorney and get my money back. I said you act like you work for them instead of me! Thats my rent. All they kept saying was that scripted sorry! I didnt want to hear that1. /they need retraining. Then they kept saying call that number and get the money back. I said they are the enemy, they want my money! And I am so surprised that no one knew out of 7 people what is supposed to happen when a garnishment comes to the legal department. First it has to be answered which means determined if it can be legitimately placed on the account, but you dont just blindly give out other peoples money. the other thing they did was they gave ALL of my money to them instead of a portion. I dont think that is legal even if it was legal to obtain the money. Next they should have looked at the funding coming into the account. If they had done that the garnishment should have been returned to the law office as not serviceable due to Unemployment going into that account only. the check had just come. No one at suntrust stood up for me or said I was right because they knew a mistake had been made but they could not afford to let me know. I called in time enough for it to be stopped and they would not even do that. Whomever placed that on my account needs firing. What about everyone else? How many times is this being done to people who have federal funds? People who cant or dont speak up? When I looked and saw that Suntrust gets a fee of {$100.00} I see why because I could not see why they would turn against me their own customer for a creditor. If they do this to a million people look how much money they will have! My rent is gone and it was already short. Now I have nothing1

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 2018-04-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I've been paying 2 accounts with them so far. But they send me letters stating I am being sued and that I could even end up in prison for fraud. I am trying to clear these accounts but they keep harrassing me on a daily basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Caller did not leave name of company but left phone # to call within 2 hours to avoid legal complications. XXXX XXXX XXXX. They called my employer and my son 's mobile #. Not me. They said they were trying to deliver legal papers that I had refused to sign. I have not refused to sign anything. I called the # back and a lady answered. I asked who she was and she gave me a name something like XXXX XXXX XXXX and asked me for a case #. Told her I didn't have one and that I'd call her back when I got it. Called back an hour later and got a man 's voice mail just saying " Loss Mitigation '' leave a message. Left a message with my phone #. Called a few more times. Same voice mail. No call back. I see no attempt to deliver papers to my home. This appears to be either a scam or an illegal attempt to collect a debt, but I don't know what debt it would be. REALLY not cool to call my employer and my son but not my own cell phone # that I've had for 15 years -- so clearly if they found my employer and son 's #, they could find mine. 

My son saved the voice message should you want to listen to it. In that message they don't even have my last name correct. They tacked on an old married surname from 30 years ago to my current surname.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: ALLY FINANCIAL INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I initiated a payment of {$900.00} on Ally 's website through their " XXXX '' feature. It is essentially a peer-to-peer payment system similar to XXXX. " XXXX '' has this nifty feature where you can delay the payment being sent, so I chose to delay the payment until the XX/XX/XXXX so I could confirm if the goods were sent or not. My payment ended up being taken and deposited with no goods or services provided. When I went to go cancel the " XXXX '' payment, the payment said it had arrived in the recipients bank account " within minutes '' of me hitting send ... .I then reach out to Ally to let them know of the situation and the representative has not a clue about " XXXX ''. I asked if it would be possible to initiate a chargeback considering I had sent the payment on the terms it be delayed until the XX/XX/XXXX and I confirmed the goods had been sent. After a brief hold, I am told to dispute the sent payment through XXXX and they would contact me within 10 business days about retrieving my money. Of course, 10 days later I receive a letter stating they can not help me retrieve my money since I initiated the payment. When I reach out to " XXXX '' customer service on the matter, they state it should only be used with people you know and that my bank would help retrieve my money. So here I am with both companies pointing fingers with no real information on where my money is and why they have no fraud protection on their services. A true disgrace that they implement a feature in their platform that has no regards of protecting their users and keeping their money safe.

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