BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC
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:
DISPUTING TOYOTA MOTOR CREDIT CORP ALSO KNOWN AS TOYOTA FINANCIAL SERVICES CREDIT REPORTING Name- XXXX XXXX DOB- XX/XX/XXXX Address- XXXX XXXX XXXX, XXXX. XXXX XXXX. Washington DC XXXX XXXX last XXXX XXXX Account number XXXX I, XXXX XXXX, hereby officially disputing Toyota Motor Corp also known as Toyota Financial Services reporting to credit agencies as untrue. 

I am asserting that the reporting of late payment from Toyota Motor Corp also known as Toyota Financial Services is false or untrue. 

I have attached documents showing an up to date payments from Toyota Motor Corp also known as Toyota Financial Services .Reporting false info to credit agency amidst pandemic hardship is cruel and illegal business practices. 

I therefore employ you to investigate and adjust my credit report. 

Thanks XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have been making ACH payments through my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga for over a year. I found out de facto that XXXX had closed their business sometime after withdrawing my XXXX 2016 pmt. The company did not inform me and apparently sold my debt to Midland Credit Mgt. Midland immediately placed a dunn for non pmt on my credit reports. I am absolutely not responsible for any of these ocurrances. I have been paying this account faithfully & should not be penalized by their oversights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Other

Complaint:
I was an authorized user of American Express business credit card as a business manager. AMEX informed all three credit bureaus as collection account treating it as a personal account on XX/XX/XXXX affecting my credit scores drastically. We have entered in to a contract to buy a house and this reporting is affected my ability to get a housing loan. This business card account was opened XX/XX/XXXX for business purpose and it has never shown up as a personal liability on my credit reports since than. I was taken by surprise to see it apear on my personal credit report suddenly. 
Requests to pay the outstanding amount by installment on XX/XX/XXXX with AMEX failed and representative advised that the account should be closed first and than the supervisor will call with in 24 to 48 hours to discuss the options. No one ever contacted me or left a voice mail. Upon seeing thison credit report I called AMEX and I was advised to contact XXXX. After contacting XXXX I entered in to an agreement of payment and I have paid {$4200.00} as XXXX of the XXXX installments on XX/XX/XXXX under duress as no other option was available and this is causing hardships.The outstanding balance is being paid to AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX false accused me of owing a debt I did not owe! I HAD A SECURE card in 2016 the account was closed & XXXX XXXX report wrong and inaccurate information on my credit report which lead me to pay a debt I did not owe!!! I have attached documents to prove I did not owe a debt when the account was closed!!! I demand XXXX XXXX & the collection agency & credit bureau send me proof of the debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We refinanced our home in XXXX, XXXX with XXXX XXXX. In doing so, it was a predatory ARM. We received a letter from the bank officer stating that we would refinance incurring no additional fees after our credit rating had improved within six months. The mortgage was then turned over to XXXX XXXX which in turn sold it to HSBC without our knowledge until we received the monthly mortgage statement with HSBC in XXXX, XXXX. With the building trades businesses failing in the Michigan downturned economy, jobs losses, our family was forced to file bankruptcy in XXXX, XXXX and we did not affirm our home. In doing so, the present mortgage servicer HSBC Home Mortgage Services , Inc. will not renegotiate with us concerning a lessening of the terms of our original note. We have an ARM of 8.45 %. We have paid up to XXXX % of our home income to be able to keep living in the home which we built and raised our family in. We had to apply to StepForward of Michigan to get the mortgage current in the amount of {$5400.00}, the interest was deferred on the back of our loan which is now a total {$8900.00}. The help that we received at that time was much less than the deferred interest amount! We have worked with a FHA Housing Counselor since XX/XX/XXXX to get this onerous mortgage reduced to no avail other than loan modifications that reduced our monthly payments in the ensuing years, but they only backended the interest so our principal reduction in the loan is added on, with interest on top of interest. We need a path to be able to keep and afford our home before we are forced into retirement which will be upon us shortly. I hear about all of the HARP Programs that will expire XX/XX/XXXX, we need your help. HSBC is not a TARP participant which was detrimental in our case. We are asking for a conventional fixed mortgage instrument with a manageable interest rate in step with the rest of the public. Due to the nature of our mortgage, we have not been able to pay down our principal like it should have been, and because of our market conditions in our area, we are still under water with this note. We saw the settlement the State of Michigan received from HSBC and would like to have relief from this predatory note. Please consider our plea.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
Hello : XX/XX/XXXX, XX/XX/XXXX, I consolidate my student loans. Than XX/XX/XXXX I received a notice that my student loan for {$7100.00} was being collected by a collection agency. When I spoke to the agency, they would not work with me, they wanted payment in full or they would garnish my wages. I could not get a loan or borrow this amount, so my wages were garnished. XX/XX/XXXX the account was paid and my wages were no longer garnished. As of this morning, I ran a credit report and it shows that National Collegiate Trust as me in collections starting XX/XX/XXXX is the amount above and it is not paid. I contacted the agency reference as collection agency XXXX XXXX XXXX at XXXX, they indicate my account was turned back over to National Collegiate Trust XX/XX/XXXX with no other status they could provide me. I am lost as to how to get this removed from my credit or show it has been paid in full on my credit. I am trying to buy a house and I am being denied for this account. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: LTD Financial Services, L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Debt Collector is attempting to collect on a fraudulent account that is not mine I sent an Affidavit of Fraudulent Application on XX/XX/2014 to the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Called Beneficial about my mortgage and getting a payoff. They said I had to submit a letter and mail or fax it in and that it could be as late as XXXX XXXX, XXXX when I receive the payoff back. That was if I submitted it today XXXX XXXX/XXXX/XXXX XXXX. I also have something called " Outstanding Deferred Interest Balance '' on my monthly statement and when I inquired about what that was, I was put on hold for a few minutes so they could " research '' what it was. When the rep came back on the line, she said Beneficial would mail out a " fee/charge schedule '' that outlined everything contained in that balance. The statement even has a note on it that says " For further explanation of deferred interest or to make a deferred interest payment at any time, please call XXXX. '' That is the number I called. The rep also stated that I was 48 months behind on this mortgage back in XXXX and I did a modification to bring the payments current ... I was NEVER four years behind on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX my wife and I decided to close all of our accounts with Bank of America after deciding that we we better suited financially using a local credit union. We went to the location that housed these accounts at XXXX XXXX XXXX XXXX, XXXX, NM XXXX. The bank representative was informed that we wanted to close all accounts and pay off all charges. We moved our finances to the credit union and clipped our cards. Being a XXXX  and trying to stay out of debt we only used my wife 's credit card during XXXX and my credit history was inactive at the time. I had a decently high credit score due to never being late or missing payments on my 2 counts of credit history. I tried to apply for a credit card recently to begin building credit again and found I was rejected based on delinquency which seriously alarmed me. I ran a credit report and found a seriously delinquent charge of {$25.00} of unknown origin that was never reported or sent to us because Bank of America claimed they did not have a forwarding address and just wrote it off. This charge should have been indicated to us by the representative that helped us close our accounts. This came as a severe blow to my credit. Had we known we would have paid immediately and we should have been notified of the charge when the accounts were closed back in XXXX. I called on XX/XX/XXXX to pay off the charge and asked I could have that charge cleared as non delinquent with the credit reporting agencies due to this being an error on their part. The Bank of America representative informed us that they do not " pay for delete '', to which I replied that I understood but in this situation I was not asking to pay money to them to remove my delinquency but asking them to accurately report that they had made an error. They told me there was nothing they could do. I asked to file a complaint to which they responded that I would receive a call back which has not come.

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 2016-01-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After multiple attempts to resolve this issue with the loan servicers, American Education Services and National Collegiate Trust, by presenting a reasonable repayment option that would allow for a full repayment of the loan they have illegally defaulted on. Their actions have been in direct violation of multiple federal laws. I am providing 30 days for these companies to agree to my terms of a full repayment of my student loans under the condition of a complete reversal of all illegal negative credit reporting against myself and my co-signer, as well as reasonable monthly payments. If no attempts to resolve this issue are completed, I will be forced to use the courtroom to protect myself from this blatant discrimination against my and my cosigner 's federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient refuses to response to any written requests regarding the discharge of my student loans. I have spoken with Navient representatives/debt collectors numerous times informing them of applications and documents that has been submitted for loan discharge and no resolve. XXXX ) I submitted the will called seven times a day in a form of harassing me for payments. Navient has been informed in writing and verbally regarding my filing bankruptcy which included all five student ( XXXX  ) loans. 1. XX/XX/XXXX amount : {$7500.00} ; XXXX. XX/XX/XXXX amount : {$3400.00} ; 3. XX/XX/XXXX amount {$7000.00} ; 4. XX/XX/XXXX amount {$5500.00} ; 5. XX/XX/XXXX amount {$5000.00} at a 6.8 interest rate. All of these loans Navient purchased, and they were all included in my bankruptcy. In addition, to the school closing and I never received my diploma/certificate from XXXX in XXXX, California. In explaining this information over and over again. Last year in XX/XX/XXXX, When I spoke with a Navient representative I was instructed to complete and submit a Loan Discharge Application : School Closure and he ( XXXX ) told me that this should take care of the student debt and I would no longer be harassed. Once again, I did as I was instructed and I have attached the Loan Discharge Application : School Closure. Lastly, I have been receiving calls and written letters stating that if I don't make payments, the guarantor may take one or more of the following actions. Keep in mind my student debt should have been discharged, and the violation of harassment during this COVID pandemic should not be happening. I truly believe that I am a target of discrimination, and it is clear that Navient does not or should I state, will not reply in writing to any submitted documentation. 
I will continue pursing my rights, as I have become a victim of Navient and will file a discrimination complaint with the office for Civil Rights to stop this vigorous harassment and not discharging the student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America had me on a trial payment for my home equity loan # XXXX which was {$250.00} I made all my trial pymnts starting XXXX 2015 today I rec 'd my form stating it is now going to be {$390.00} when I spoke to XXXX XXXX he stated boa did n't take into consideration of unpaid interest when they set it up in the beginning. Now I get papers to redo my mrtg which I never asked to do and they have it that I own rental property which I do not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2020 to current. I have been requesting from Professional Finance for validation of debt and to cease and desist all attempts to collect this alleged debt until it has been validated. The companies has failed to comply to the request and have violated my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Everytime I call Navient and attempt to speak with a customer service representative, I get the run around in their automated system. I attempt to circumvent that by trying different options, hitting zero, etc. but all that ends up happening every single time is the system tells me " it does not understand my response '' and tells me to go to their website and then disconnects me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a Macy 's customer for decades. On my last CC bill of XXXX I was 9 days late making a payment of {$28.00}. I believe I simply read the bill incorrectly. First time I was late in 30 years. For the lateness, Macy 's charged a {$42.00} late fee. I immediately called Macy 's CC Services and they refunded the charge. 

You might ask yourself what more could I want, but I think of all those folks, including myself who don't review their bill carefully. I think it is shameful that Macy 's is engaged in this kind of skullduggery. I believe that taking advantage of people who are too intimidated or too busy or possibly coping with COVID in this matter may not be illegal ( although it should be ) but it is unethical and needlessly punitive I think most people would agree. 

We know that there are loan sharks out there but Macy 's?!

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 2021-03-20
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:
There are 5 accounts on my credit report that are not mine I have been disputing these with the credit bureaus as well as the furnishers since XX/XX/2020 and no disputes have been opened and no one has contacted me to let me know what is going on. It is really time consuming to be chasing the Credit Bureaus to remove information that does not belong to me. 

These are the accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: The CBE Group, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This company sent me a letter about an alleged debt that they claim they received from their client XXXX XXXX. I do not have an account with XXXX XXXX and when I closed my account with XXXX XXXX I left with no outstanding bill as far as I can recall. I have not had an account with XXXX XXXX since 2013. I have never done business with this company in the past for no reason whatsoever. When I received notification from this company about the alleged debt, I responded by asking for " Validation of Debt ''. This company has yet to provide me with competent information related to this debt however, they still continue to contact on my personal phone and on my office phone. I also suspect that this company is calling me via phone at my employment, using a private number. Each call I have answered they refuse to disclose the nature of their call when asked. They have now resorted to calling me and hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After my bankruptcy this loan was was the only one I could not bring back to a current status and I 've been working with a third party agency via XXXX XXXX/Navient making payments each month. I 've been in an arrangement for over 2 yrs making on time payments. I received a call today threatening to take me to court for this loan. The caller would not mail me anything and informed me if I would n't work with him by phone they 'd just do what they have to do. I explained to him I have a payment book that this is set up with monthly auto debits and I am on my job and I did n't have the information readily available. I asked could he email me or send me anything in writing he said no. He said many people said they were working with XXXX like me and loans must have been pulled from them. Why must the call become hostile or threatening because I asked for something in writing? The phone number was XXXX for all I know it could be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
USAA XXXX XXXX Account for Auto Policy discontinued early XXXX Explained no vehicle. 

Spoke with representative and stated they would close policy and received refund from policy. Stated he would retract autopay. 

Received notification my auto/property insurance bill is ready XXXX XX/XX/2021. 

Identity theft/fraud on this account. 

Requested closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bank of America Refinance Home Mortgage sent me low rate refinance home mortgage notice by mail. 
So I applied and provided everything what they need for qualifying of me to get low rate refinancing. 
But he sent me following Email and want pay appraisal fee. 
" XXXX XXXX, I tried to call you about could not get through. I have tried this several ways, and there is not a way I can get you approved because of the debt to income being too high. 
The last thing I would want you to do is pay for an appraisal if we can not get you approved. 
Wish I had better news for you, I wish you guys the best of luck here. 
Regards, '' I have a good enough my credit and income for qualifying the loan. 
I do not understand why they refusing to approve my refinancing. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation