BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX  Toyota XXXX through Toyota Financial Services in XXXX of 2021. The vehicle was then garaged in Washington. We then transferred the car to our home in Montana ( XXXX XXXX XXXX XXXX, XXXX, MT XXXX ), where is has always been garaged. I am a Texas resident. I licensed the truck in Texas as an out-of-state vehicle, which Texas allows. Texas did not require inspection because the truck was always to remain outside of Texas. I was instructed by Toyota to fill out Lessee 's Affidavit for Motor Vehicle Use Other Than Production of Income. I did so, had it notarized, uploaded an electronic copy into Toyota 's account system, and mailed in a copy to Toyota. Toyota then responded by sending me another copy of the Affidavit to fill out and return. At the bottom of their attached letter, it told me to call them if this vehicle was garaged out of state. I've tried twice now to do this AGAIN and their call wait times are in the hours. I hate to submit this complaint for this reason, but even if I did wait hours to speak to somebody about something I've addressed numerous times with them, the person I reach would not be able to assist me ( as I learned on previous calls ) and would have no clue what I was talking about. I wish you could nudge TFS to provide better customer service. I have had many, many vehicles from them and their customer service has been on a continuous downhill slide. I'm pretty sure this will be my last Toyota for this reason alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had been paying the private loan on the website. When payments became difficult I contacted AES to request a deferment or forbearance or altetnate payment options and they denied my request. I was unable to pay for several months do to health issues and unemployment. When I was able to resume payments I went to the website to try to set those up again only to learn that the debt had been sold. AES was unable to provide information to locate the current creditor at the time. I recently began to receive phone calls from a collector who would not provide information about the account in order for me to establish the legitimacy of their claim. I spoke with a representative on Friday XX/XX/2017 who offered unrealistic payment terms I again requested alternate repayment options but he refused and stated that collection activity will continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SLS continues to improperly withhold PMI even after the LTV has dropped below 78 %. Many calls were made to handle this and the company states their policy requires a wait XXXX 45 days.

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 2016-05-13
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company continues to try to collect a medical debt that was covered by my health insurer. I have not seen evidence where they filed or sent me a bill to cover their charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: NJ
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/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Collection Svc Of Athens to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX, transunion, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section a states I have the right to privacy.

Delete these addresses they do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX  XXXX XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX ( Experian  ) Incorrect Address : XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX   ( XXXX  ) Incorrect Name : XXXX XXXX ( XXXX   ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX XXXX Opened XX/XX/XXXX Bal. {$360.00} ( I was never 30 days late ) XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following inquiries were not authorized by me : XXXX XXXX XXXX   XXXX  2 TIMES XXXX XXXX XXXX 2 TIMES XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have had my identity stolen. The Experian dispute processing is not consumer friendly. You can not dispute online, ( as soon as you select " identity theft '' as the cause for your dispute, the system prevents you from submitting and demands you call their XXXX number ). Once you call the listed XXXX number, there are NO options to talk to someone or report identity theft. It directs you BACK to the website. 

I had to submit the dispute as a 'regular ' dispute and indicate identity theft in the comments and provided supporting documents. The dispute result took only XXXX hours, and they declined to acknowledge the dispute as valid, and the fraudulent activity remains on my credit report. 

I have had the SAME issue with XXXX, but the results took longer than XXXX hours. XXXX is the ONLY bureau to actually assist me, and the only bureau to have human customer service agents on their XXXX numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: SUNRISE CREDIT SERVICES, INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, I was contacted by Sunrise Credit Services , Inc. regarding a fraudulent AT & T account that was re-opened without my knowledge or consent. In XXXX or XXXX of 2021, the mailing address was changed and the person ordered an XXXX XXXX and had it delivered to their house. The amounts owed were never collected from this person and, of course, it defaulted to me. Sunrise Credit Services eventually took over the debt from XXXX XXXX XXXX. Upon taking their call on XX/XX/XXXX, I then went to my local XXXX XXXX XXXX store to inquire about this account. I was notified that, indeed, someone had re-opened my account and charged {$1100.00} to the account for the phone and service. When I reached back to Sunrise Credit Services, I was told that a fraud packet would be mailed to me and my account would be on a " 30 day hold '' while their fraud department investigated. That was on XX/XX/XXXX. It is now XX/XX/XXXX and I have still not received the fraud packet. Attempts to contact Sunrise Credit have met with consternation and vague answers to my questions. No one there has been able to explain why I have yet to receive the fraud packet and all conversations with supervisors have been fruitless. No one is ever able to connect me to anyone in their fraud department. Email versions of the fraud packet, apparently, do not exist in this company as they have not been able to provide me with one of those either. When I ask to speak to someone directly in their fraud department, I am consistently told that this was not possible. I feel like I have been scammed by this company, which now has my name, address and SS #. Any further attempts to reach out to Sunrise Credit Services have left me on hold for long periods of time or the supervisor had been " too busy '' to speak with me. I have also filed a police report for ID theft with the DE State Police ( complaint # XXXX ) and I have also contacted the XXXX  regarding Sunrise Credit Services ( complaint # XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank ( Suntrust Bank ) is not upholding my fraud claim against a company called progressive for {$130.00} that was charged 5 times. Neither my wife or I have authorized any charges from them and we are furious this fraud claim has not been upheld. The charges total {$670.00}.

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 2021-12-28
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2022-05-13
Company: U.S. BANCORP
State: TN
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:
Inquiry details XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX US BANK ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX I did not Authorized of those hard inquiry. please Remove. I Appreciate your time.

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 2016-03-31
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been trying for about 6 months now to enroll my student loans in the public service forgiveness payment. Every time I call, I get incorrect information from call center reps and/or they lose portions of my application. The last straw came today when I was trying to re-apply for the income driven payment plan for the third time after receiving inaccurate information about my monthly payments. When asked how many people are in my household, I answered one. The rep asked if I had roommates. I told her I did, and she said she would list them on my application in order to reduce my monthly payment. I told her that I was very uncomfortable with this arrangement, and that I would not be claiming my roommates as members of my household since I in no way pay for any of their expenses. In addition to the saga of trying to get into the public service forgiveness program, this arrangement borders on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank charged me overdraft fees despite the fact that the account was not overdrawn.

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 2022-07-22
Company: EQUIFAX, INC.
State: NY
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 XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 2018-01-25
Company: Chrysalis Holdings LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I submitted a request to XXXX XXXX to refinance my current mortgage, and combine it with my 2nd mortgage. On XX/XX/XXXX,  I received an email from XXXX XXXX containing a list of documents required. On XX/XX/XXXX, I sent all the documents he asked for via email. I had already received a XXXX   package at my home address. It contained documents my husband and I needed to sign and send back. So, on XX/XX/XXXX, I talked to XXXX XXXX and he told me which documents needed to be signed. On XX/XX/XXXX, I scanned and emailed all the documents he asked me to sign and send. He confirmed receipt of these documents in a phone call and told me an appraiser would be calling. On XX/XX/XXXX, I emailed XXXX XXXX asking about the appraiser since I had yet to receive a phone call. In that email I mentioned I was getting repeated XXXX area code phone calls, but they never left a message. I asked if he thought that was them. He emailed back stating that number was him and could I please call him. I immediately called him ( same day ) and he informed me that he had made a mistake. He had thought I lived in XXXX County, but he now is noting it XXXX County. He asked me to verify this, which I did. He then said he was very sorry, but XXXX XXXX does not have an office in XXXX County, only XXXX County, so XXXX   XXXX could not do business in XXXX Co., thus could not service my loan. I am extremely suspicious of this response and can find no evidence on their website or anywhere else to verify this. Please provide assistance with this matter so I am able to understand why I had to go through all the work I did, wait well over a week to know this information. He called repeatedly using that XXXX area code, but never left a message, even a quick " call me back ''. It was outrageous. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On xxx noticed a inaccurate, unverified data reporting on my report, I disputed items but collection agency has not provided any dept validation, under the fdcpa or fcra sec 609 requires collection agencies to validate dept upon 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 2021-12-28
Company: EQUIFAX, INC.
State: CA
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/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 50 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the Equifax data breach and may have found its way into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 'm in default illegally as I was XXXX without communication for over 8 years when I was initially on a deferment, with no notice it was n't continued until I was in the middle of the XXXX and had no options, however the issue at hand is I 'm paying a rehab program, but they keep calling me at work, and then refuse to quickly complete the call, seeming to extend it needlessly. When I ask for a quick call, they slow it on purpose, putting my job at risk. They do n't offer any online payments or other self pay options to avoid these humiliating calls. They ask questions that are harrassing, and although I 've made numerous requests not to be asked, I 've been advised to stop asking for that as they state they 're required to ask.

Company response to consumer: Closed with explanation