BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
Toyota reported I made my XX/XX/2022 lease payment late, when I did not. 

The problem began when I paid my lease payment of {$300.00} on XXXX XXXX and partial payment was applied to my property tax due in the amount of {$91.00} and the rest was processed towards my payment in the amount of {$200.00}. 

Toyotas system applied my payment incorrectly and I have had this issue many times in the past with them. Because this payment was not processed correctly it effected all my upcoming payments made. Toyota needs to fix the way their system processes payments. I have had to call Toyota almost every month to fix this. This XXXX payment I did not follow up on and since I didn't call Toyota never fixed it. I shouldn't have to call each month to have my payment made correctly. 

I called Toyota to discuss their system issue and was told to process a dispute via my credit agency and they were unable to fix this on their end because it was a mobile payment that was made? 

I was also told in the past by Toyota that your payment should be processed before amounts are applied to your property tax, but this is not what is happening at all. 

Toyota refuses to fix this problem on my report when I was not in error but they were. I should not be penalized by this on my credit report when this is an issue within their system. 

If Toyota would take the time to look at my payment history they can see I make a {$300.00} every month on time. 

I processed a couple disputes with my credit agencies and all of them Toyota is saying there is not issue, when there is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Purchased a sofa and love seat, and a bunk bed set from XXXX XXXX XXXX XXXX. Upon delivery we found the item not to be as described and expected. The furniture was advertised as having removable cushions and wooden legs. The cushions were sewn in and had ugly plastic legs. The top of the bunk bed set and the bottom of the bunk bed would not fit together. We contacted the store and attempted to resolve the matter. They did nothing about the sofa and love seat but brought us another bottom bunk bed. Upon assembling it we learned that while it fit together, it was XXXX different colors and did not match. We again contacted the store numerous times and they did not contact us back or return any phone calls. We filed a dispute with Bank of America and right off it was denied. We questioned this and was told told they did not get certain info which they had. We sent in more. It was denied again. They said the receipt was not detailed enough. We had sent in the receipt that the store gave us. We did not understand why we were being punished because of the type of receipt the store issued. We questioned it and were told that they would look into it. Got a letter denying the claim. Never specifying exactly why. Just that it was. Spent months dealing with this and still do n't know exactly what, if anything Bank of America did in an attempt to investigate the dispute and exactly what we received. What we purchased and what was actually delivered was not the same. Not even close. And as far as I can tell they never did anything to determine this.

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 2015-12-19
Company: Bay Equity LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently purchased a house and my mortgage was serviced to XXXX XXXX from the originator, Bay Equity. My first months mortgage was due to XXXX XXXX but I had auto draft still activated at XXXX XXXX. XXXX XXXX withdrew the mortgage payment from my bank account and applied payment. XXXX XXXX is saying that they I should have paid them XX/XX/XXXX mortgage and it is now considered past due. Pretty much, both company 's believed I owed them my XX/XX/XXXX mortgage payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account DetailsLast Reported XX/XX/XXXXCollection Agency XXXX XXXXOriginal Creditor XXXX XXXX XXXX XXXX XXXXStatus ClosedOpened Date XX/XX/XXXXClosed Date -ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarks Paid collectionThis Medical balance was paid in full as of XX/XX/XXXX and I would like it removed from the collections category.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/2022 my accounts at the Ally Bank ( CD and high-yield ) were restricted due to a " suspicion of fraudulent activity ''. After that in order to verify my identity the Bank asked me to upload copies of my driver license, social security card and a bank statement confirming my home address. I did it in early XXXX. A representative of the Bank informed me that an investigation would be conducted and completed in 3-5 business days. When that period expired I spoke with a Bank 's assistant to find out what was going on with my accounts. She said that the investigation would in fact take 30 days. In XXXX I called the Ally several times and asked their assistants to pass me on to the investigator dealing with my case but they always told me that the investigator was busy or not in the office right now and that he/she would definitely call me back within 24 hours. I've never received any calls from the investigator. 
I consider it totally inadmissible that for more than 2 months I've not been able to access my accounts and to manage the funds I own. I look forward to your reply and a meaningful resolution to my problem. Please don't hesitate to contact me by email or phone ( 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 2021-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: ROBINHOOD MARKETS INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have now furnished Robinhood with pictures of my valid state ID, along with every other document that they requested to verify my identity. I received an email stating that my account will be closed, and is now in remediation and that I will be contacted with information about how and when I can withdraw my funds. 

I have repeatedly tried to get information about why my account was originally restricted and when I will have access to my direct deposited XXXX  payments via email, phone call, and chat, and have been given not one piece of information on why these restrictions were imposed or when I will be given access to my funds again. 

I am a veteran, and I have been completely cut off from my social security XXXX  payments with no reason, timeframe, or recourse whatsoever by Robinhood. I need access to this money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: OPTUM BANK, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Experiencing an issue with Optum Financial and missing funds in a Flexible Spending Account. Transactions occurred in the following manner : XX/XX/XXXX Routine eye exam followed by purchase with XXXX {$730.00}, use XXXX. 
XX/XX/XXXX XXXX XXXX from Optum that {$270.00} ( prescription sunglasses ) did not meet guidelines. Instructed to reimburse XXXX. 
XX/XX/XXXX Contacted Optum and spoke with an agent. Requested an explanation for dollar amount that was not covered and why. Stated that no notes in system on how the analyst reached the decision and she could not determine based on the documents uploaded in the system. Opened an investigation and advised I should receive a reply in the mail. Requested an itemized statement that shows approved and not approved. 
XX/XX/XXXX Received correspondence from Optum which did not address or provide the information requested, itemized statement of what and why not covered. Only addressed that I reimburse the account. 
XX/XX/XXXX Reimbursed XXXX {$270.00}, posted XX/XX/XXXX XX/XX/XXXX Returned sunglasses to XXXX and {$230.00} refunded to XXXX. 
XX/XX/XXXX Contacted Optum regarding the refund from XXXX and whether I will be reimbursed. Agent communicated that XXXX refund {$270.00} posted on XX/XX/XXXX. Explained that the amount is not from XXXX but stems from my reimbursement. Next, the agent explained that he located the refund from XXXX but it was applied to XXXX expenses. Suggested I contact XXXX and have the correct it and apply to XXXX. After explaining it does not work that way, he agreed to open an investigation, XXXX opened case # XXXX, no update provided. Never received any communication. 
XX/XX/XXXX Placed subsequent calls to obtain factual information and what are my rights as far as what is due. No follow up from Optum. 
XX/XX/XXXX Followed up with Optum per refund from XXXX has not been posted to my FSA. Based on the claims, my reimbursement, and refund from XXXX, XXXX should reflect {$490.00} but instead only account for {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: FL
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:
Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXXXXXX opened last XX/XX/XXXX, DEPT OF EDUCATIONXXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX is illegally reaging a debt and violating my rights under the FCRA and the FDCPA. XXXX is reporting the original date of delinquency is XX/XX/2020 which is a lie. If the original date of delinquency was XX/XX/2020 they would be able to provide a bill from XXXX verifying that I had insurance with them during 2020. They have not been able to provide any paperwork from XXXX showing this date. Nor can they provide any signed contracts between myself and XXXX. XXXX is lying. They can not provide any signed contract showing I had a account with XXXX in 2020 nor can they prove that the date of delinquency is XX/XX/2020.

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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, Transunion and XXXX are reporting 3 charge offs on my credit report from XXXX XXXX. However, the account was paid in full to 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 2016-08-09
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My Credit Report has a wrong current address for me, My Employment status needs updated as well. I am not employed any longer, but I do receive XXXX as monthly income. I also have disputed some accounts that are listed on my credit report for various reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Convergent Resources, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I made a settlement payment to XXXX in the amount of {$710.00} to settle the outstanding balance for my XXXX XXXX  account. On XX/XX/2022, I uncovered information indicating XXXX may have billed me in error. Specifically, XXXX may have billed my account while and after a different account was active at the service address associated with my XXXX account. On the XXXX I contacted XXXX to resolve this issue but XXXX refused to furnish additional information that would confirm or deny whether I was billed in error. Also on XX/XX/XXXX, I initiated a dispute via XXXX XXXX regarding the {$710.00} payment made XX/XX/XXXX. I provided to XXXX XXXX the evidence that I may have been billed in error, and disputed the payment on the grounds that XXXX had not been able to resolve my concerns. On XX/XX/XXXX XXXX XXXX acknowledged receipt of the dispute and, in accordance with their dispute procedures, temporarily returned the {$710.00} payment while they awaited a response to the dispute from XXXX. As of this writing, XXXX has not responded to the dispute initiated via XXXX XXXX. On XX/XX/XXXX XXXX reported my account to the XXXX and XXXX credit bureaus as " in collections, '' and on XX/XX/XXXX XXXX engaged debt collector Convergent Outsourcing , Inc. to attempt to collect the purported debt. On XX/XX/XXXX I contacted XXXX in writing to ask they respond to my concerns and correct the derogatory credit bureau reports. XXXX replied XX/XX/XXXX, failing to address my concerns and refusing to provide any additional information. I believe I may have been billed in error and thus do not owe this debt, and have made repeated attempts to resolve my dispute with XXXX and their debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i have written several times over the past several months. equifax has removed a creditor i was in good standing with and it has not been put back. The original company was XXXX XXXX I had a {$5000.00} credit limit paid in full. The account was two years old. The company was sold to XXXX XXXX. I have received email from the company saying they are live and reporting to Equifax, yet it still has not shown up. This has caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was a collection on my credit report through another credit collection company, which I disputed and it was then removed only to be bought by another collection company called Ability Recovery Service. I have requested the original credit application with my signature and any other information that would allow me to verify the debt is mine. Furthermore, the previous company told me it was a XXXXXXXX XXXX XXXX  through XXXX XXXX, I do have a XXXXXXXX XXXX  with XXXX but it is in good standing and paid every month. Also, according to the letter sent by ability recovery service this debt is almost 6 years old. Isnt the statute 3 years in NY state? I would like for this to be removed from my credit report as it is not my debt and I have not received anything verifying its my debt. 
I also went through all my debt two years ago and paid everything that was showing as a collection or negative account so I dont understand how this can surly show up out of no where. 
I have attached the letter that was sent to me from ability and I sent back on XX/XX/XXXX with no reply.

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 2022-10-13
Company: Experian Information Solutions Inc.
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:
I filed a complaint against Experian ( complaint ID XXXX ) to show proof of their verification process concerning this issue ( Identification number XXXX ) on my credit report. They didn't show any proof of how they obtained this information. They only sent me my credit report saying that it is verified. There's no information for me to contact the furnisher of this information. I tried contacting the court and i didn't receive a response. I sent a certified letter with a self address envelope for them to send me information about this issue. Can you please have them show proof of how they obtained this information. This is the courts address, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. If the courts verified that this belongs to me then please let me know how you reached them so I can address this situation. If Experian can't provide updated proof that the courts reported this information to them, and how they contacted them. Then please remove it from my credit report.

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 2022-11-01
Company: Allgate Financial, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was a collection on my credit report through another credit collection company, which I disputed and it was then removed only to be bought by another collection company called XXXX XXXX XXXX. I have requested the original credit application with my signature and any other information that would allow me to verify the debt is mine. Furthermore, the previous company told me it was a XXXXXXXX XXXX XXXX through XXXX XXXX, I do have a XXXXXXXX XXXX  with XXXX but it is in good standing and paid every month. Also, according to the letter sent by XXXX XXXX XXXX this debt is almost 6 years old. Isnt the statute 3 years in NY state? I would like for this to be removed from my credit report as it is not my debt and I have not received anything verifying its my debt. 
I also went through all my debt two years ago and paid everything that was showing as a collection or negative account so I dont understand how this can surly show up out of no where. 
I have attached the letter that was sent to me from XXXX and I sent back on XX/XX/XXXX with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A lender named XXXX pulled a hard credit inquiry on my Equifax credit report. I have n't applied for credit with them or anyone else and want to removed. It states the inquiry date as XXXX XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charges a Cash deposit processing fee when my tenants deposit their rent in Cash. The last fee was on XX/XX/22 for {$7.00}. I contacted the bank and asked why I was being charged this fee. They stated if more than {$5000.00} was deposited in a month they charge this fee.

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 monetary relief
Consumer complaint received 2021-01-15
Company: TRANSWORLD SYSTEMS INC
State: GA
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:
Transworld is illegally reaging a debt and violating my rights under the FCRA and the FDCPA. Transworld is reporting the original date of delinquency is XX/XX/2020 which is a lie. If the original date of delinquency was XX/XX/2020 they would be able to provide a bill from XXXX verifying that I had insurance with them during 2020. They have not been able to provide any paperwork from XXXX showing this date. Nor can they provide any signed contracts between myself and XXXX. Transworld is lying. They can not provide any signed contract showing I had a account with XXXX in 2020 nor can they prove that the date of delinquency is XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX reported my debt to a company called CCS Collections which has never been heard of. This company keeps trying to contact me after I told them to stop calling me trying to collect this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation