BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD bank overdraft fees are excessive and arbitrary. The bank has charged me {$980.00} from XXXX to XXXX even tough they are very aware that we are in the middle of a pandemic and for many people income has been reduced. 
Additionally I never agreed to have overdraft protection with my ATM, I don't see why it should be any different with checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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:
I submitted a dispute to the credit report agency XXXX XXXX, XXXX and XXXX. I requested an extension deferral on my car loan with XXXX in XX/XX/XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: Checkr, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am XXXX driver. 

Checkr prepared wrong background check report! 

I emailed them more than 20 times but they didn't correct it.

They wrote in the report I was guilty of " UNLICENSED DRIVING. '' However, in the court, I was found NOT GUILTY! ( I attached certificate of disposition, court decision document ).

Because of this wrong information, Checkr labeled my report " CONSIDER ''. 

In XXXX and Checkr language, consider means " NOT CLEAR '' Because of this wrong information, they labeled my report " CONSIDER '' ( NOT CLEAR ), and after that, XXXX deactivated my account!!! 

I emailed Checkr more than 20 times but they didn't change the " consider '' label although I sent them the certificate of disposition!!!

I was found NOT GUILTY FOR " unlicensed driving '' and I WANT CHECKR TO REMOVE THIS " CONSIDER '' ( consider means not clear, not pass ) LABEL!!!

I CAN NOT WORK FOR ALMOST 3 MONTHS BECAUSE OF THEIR MISTAKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank appears to have deliberately delayed processing a payment so as to put the account into default so that they could charge late fees and interest. I've gone back through account statements ( & checkbook ) and I have discovered a disturbing pattern. Most payments are processed on either the 2nd or 3rd day after the payment check is written, however, every third month ( i.e. quarterly ) payments are not processed until either the 6th or 7th day after the check is written. 

I normally make my payments early enough that I haven't been dinged for a late payment or interest charges until the payment that was due XX/XX/XXXX, check was written and mailed on XX/XX/XXXX, considering how efficient and consistent the USPS is, payment was delivered to the bank on XX/XX/XXXX, or at the very latest on the XX/XX/XXXX, however, the bank did not process the payment until XX/XX/XXXX. 

I sent a letter of complaint to FNB Omaha regarding the delayed posting and their response has a number of factual errors. First the response claims that they received my complaint on XX/XX/XXXX, the USPS certified mail receipt indicates that it was delivered on the XX/XX/XXXX. Second the response claims the payment was due on XX/XX/XXXX, the statement clearly shows that the due date was XX/XX/XXXX. 

If they are trying to cheat me by delaying processing payments, they are doing it to hundreds if not thousands of others. If I hadn't noticed that they delayed this one payment, I wouldn't have gone back through my records and established a consistent pattern of delayed payments. They are engaged in criminal activity and I can help you prove it. Documentation to support my allegations will be supplied on request.

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 2021-02-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Toyota Financial sent a bill on XX/XX/2020 advising me I owed Personal Property Taxes on a XXXX. 
I do not possess the XXXX, having traded it in for a XXXX XXXX in XXXX. 
Later correspondence showed the personal property taxes for due for a XXXX in XXXX, VA. 
I do not live in XXXX, Virginia. I live in XXXX XXXX County Va and have paid personal property taxes there. 
I have never been to XXXX, Virginia. I do not do business of any kind in XXXX, Va. 
Yet. Toyota Financial will not accept that explanation and have threatened me with turning this matter over to a Credit bureau. 
My file # with Toyota Financial is XXXX I have tried to resolve this issue with them. They use the internet to correspond and accept my comments. 
Today, XXXX XXXX, I spoke with XXXX, on the Toyota phone # for consumers, and explained the problem. She said she would " try '' to expedite this issue so to avoid any collection company issues. Trying does not work for me. 
I consider this harassment. Their inability to find the right person to bill for the Personal property taxes in XXXX Virginia. Is causing me great pain and suffering. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Someone took a loan out in my name years ago and it popped up on my credit making my credit drop 96 points. I disputed it now it came back and dropped my credit 61 points saying I need a fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 followed all the protocol for submitted a dispute with TransUnion regarding XXXX. All I get back is " investigated-accurate ''. Even though I have provided ALL the documents needed to PROVE that XXXX should NOT be allowed to report anything, it is like NO ONE looks at any of them, or THEIR OWN REPORT! How can you show that XXXX, the ONLY student loan I have had, CORRECTLY reports the account closed and included in XXXX  XXXX Bankruptcy 3 years ago, but THEN allow another RANDOM company to come in 3 years later, a company I have NEVER heard of, been given ANY information about or been contacted by to start REPORTING FALSE information to MY report on THEIR website just because they " say so ''?? 

I have provided the discharge paperwork from the court that SHOWS the judge ORDERED all XXXX LOANS discharged. I was injured, lost my business and am XXXX and will NEVER work again to be able to pay the XXXX loan off, so it was a hardship case and special circumstances to discharge the XXXX loan. I have explained this a THOUSAND TIMES to different people and STILL they continue to damage my report with FALSE information. 

XXXX apparently bought a debt off XXXX after bankruptcy that was discharged 3 years ago. After battling with them, they finally closed it on all my reports, BUT they continue to report it every month showing I owe more and more and more money and that it is is late and past due and in collections, despite being closed. XXXX has been contacted and they are CORRECTLY reporting the debt as discharged in XXXX XXXX they said they tried to notify PHEAA to stop collecting, but XXXX has not taken their direction and there is nothing more that XXXX  can do at this point. I have contacted XXXX and they REFUSE to admit they purchased a debt to collect on that was illegal and they are NOT entitled to collect because of the XXXX  XXXX discharge. They refuse to take it OFF ALL credit reporting agencies OR stop reporting it as late/Collections, despite it having been discharged. 

See the Discharge Paperwork that has very specific language regarding discharge as to ALL student loans. Mine was a hardship case from an injury and loss of a business. I am now XXXX and will never work again and the judge knew that I would never be able to repay the student loan so it WAS in fact discharged in 2018. XXXX knows this, so why XXXX is STILL trying to collect and reporting as LATE payments, I can not figure out, or WHY it is being allowed!!!!!

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 2020-05-24
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX student loan company reported my account to the credit bureaus ( XXXX, equifax, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points. 
Right not there are millions of others as well with the same issue with XXXX XXXX. This is unjustly, and has majorly affected my credit score because of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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'm having issues with the credit bureaus updating my current address and removing ones that are not mine especially because i've been a victim of identity theft and want to make sure my mail does not end up in the wrong hands again. It's been a total nightmare.

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 2018-05-04
Company: Experian Information Solutions Inc.
State: CT
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:
To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting 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 2022-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
I previously filed a dispute for with your agency against Bank of America for identity theft. This is the report number XXXX. Bank of America responded that they needed more time to respond to the dispute. Bank of America is in violation of federal law as 15 USC 1681 ( a ) states that any information in regards to identity theft shall be removed after 4 business days. They have broken the law and have not done what I asked them to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: MA
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:
I have made repeated attempts to cancel my Experian credit monitoring services ; on XX/XX/2018 I am currently on hold for the past 2hrs waiting for a representative to cancel this service. No representative is made available.

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 2018-02-20
Company: TD BANK US HOLDING COMPANY
State: PA
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:
Td bank refused to report our good credit on mortgage we have had for 18 years they stopped reporting in 2015 we have called many times to ask our payment credit be reported yet they still refuse to report it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I attempted to submit paperwork required for a grant managed through my FedLoanServicing student loan account. I filled out the online paperwork and failed to realize hard copies were needed. When I realized, I got these copies and mailed them in. Over a month later, I received a letter stating that my grants were about to convert to loans because paperwork was not received. Upon reaching customer service ( after attempting email contact and not gaining a response that fully answered my question ), I was told the paperwork was rejected because the date format I used in a large blank box was mm/yyyy and they required mm/did/yyyy. Despite asking numerous times, I was told the only remedy was to completely reprint the paperwork, have it authorized again, scan it in and submit it in less than 48 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no knowledge or information about this company and have no contractual obligations what so ever with this company. This company is in violation of FDCPA/ Federal rules of civil procedure. They are reporting this false information and trying to threaten me. 

I have no knowledge or information of any such account with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX  XXXX 4. XXXX XXXX XXXX 5. XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: IN
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:
Alerts keep popping up on my equifax XXXX and XXXX  credit reports unauthorized. Ive kindly asked all three to remove these unauthorized XXXX inquiries but to know available..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX I filed a CFPB complaint against this company for HIPAA violation in regards to sharing my medical information. I was informed in a response from this company as well as the original creditor XXXX XXXX XXXX on XXXX that all previous debts should be removed and deleted from my credit reports. Unfortunately this has not been the case as the debt from Ability Recovery Services is still showing on my XXXX  report in spite of all other collections from XXXX being removed. I would like for this collection to be removed and deleted from my credit file ASAP please.

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 2017-08-01
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Took out a loan in XXXX 2016. Loan # XXXX was due in XXXX 2016. I called for an extension and was granted it. I missed the extension payment due date. My file went to the collections department and incurred additional fees. I have no problem was this as this was my fault. Issue - this loan was settled with all additional fees, interest accrued, etc. on XXXX XXXX, 2016 for  {$280.00}. I was told it would be updated as paid and closed. Never was. Called the next month and was transferred around. Left several messages for this department. Left the issue alone then circled back towards the end of the year in both XX/XX/XXXX and XX/XX/XXXX. Called and initiated a fix for this in XX/XX/XXXX. Again got a run around. Of course it is now over a year later and it still shows as never paid. I have  emailed the organization with proof of payment to only receive an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During XX/XX/XXXX I was involved in auto accident and admitted to the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NJ from roughly XXXX XXXX. I only spent that morning in the hospital before being released later on that afternoon. I had came to the ER department as instructed by the physician for 3 more checkups following that day. As I reported the incident to my auto insurance company XXXX XXXX during that Thursday, my PIP coverage was fully able to cover my hospital expenses. Within the timeframe of the year, XXXX Billing Department sent this so called outstanding bill to debt collectors. Even while they got paid as stated by a billing specialist. This fabricated unpaid debt has affected my credit score with delinquencies reported monthly during the year of XXXX til now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation