BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I paid my property taxes on my XXXX XXXX XXXX county clerk. I mailed and also faxed documentation to XXXX XXXX on XX/XX/XXXX. They have received the documentation and noted my account and assured me it would take 24-48 hours to update on my account. On XX/XX/XXXX Toyota received a check from XXXX XXXX out of XXXX, Ky for my property taxes Toyota indeed cashed the check, check # XXXX in the amount of {$28000.00} it cleared on XX/XX/XXXX. Toyota  has still NOT updated my account, my account is still showing I owe property taxes {$360.00}. 2 months have been dealing with this talked to different agents almost everyday, Im not getting anywhere everyone I talk to tells me different information. I need this resolved ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Van Ru Credit Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Van Ru Credit Corporation has been continually attempting to collect a debt on behalf of a medical bill based on services that were not properly documented by a hospital outside of my primary provider 's network. This matter was resolved with the provider  (   XXXX   XXXX   XXXX   ),  and the external provider was notified of the proper documentation and billing procedures for these services. I have a recorded phone call conversation between myself, my primary provider  (   XXXX   XXXX   ) , and  XXXX , where all parties involved acknowledged next steps to take ( in the form of a resolution between  XXXX  and  XXXX  ).  XXXX  is required to submit new information, including documented medical codes ( this is at the root of the billing issue  ) so tha t the claim can be properly processed. I should no longer be involved in the claims process, other than to be alerted of a resolution. That conversation took place  XX/XX/XXXX . I have experienced continual harassment in the form of collection letters and phone calls since the time the services were rendered-that was in  XX/XX/XXXX . I have sent a number of letters to the parties attempting to collect debt, and have documentation verifying that these letters were received.

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 2021-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2021 my bank charged me too overdraft charges when no overdraft occurred. I have called them to ask that they credit me, which they did on the one but stated their system would not allow them to credit me the other. As you can see my balance before they charged me overdraft fees was {$270.00}. This printout ( attached ) is what I pulled from my computer. There shouldn't be two balances, what I see and what they see, there should only be one correct balance. And if they are going to use a different balance, that is what should be shown to their customers. Though not sure how there would be two balances in the first place. 

I asked them how they are even able to charge fees when no overdraft actually occurred - according to their records- which I accessed my computer ( attached ) and phone. 

They said what I can see on my phone shows a different balance than what is actually in my account? This is ridiculous, a bank that wants you to do all of your banking via your mobile, doesn't give you the correct balance information? How is one supposed to be able to accurately track their balance information if they don't show you the correct information? 

This isn't the first time they have done this, they have done it numerous times. I think this agency really needs to do more to look into Bank of America 's practices, what they seem to be doing doesn't seem legal.

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 2021-11-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've been trying to reach out to Equifax, they have not given me access to my FAL REPORT. I have attached screenshots as proof. All I want is to have my FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my FAL REPORT. I am entitled to a free weekly report due to the current pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Credit Bureau Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBCS IS TRYING TO COLLECT FROM ME A DEBT I DO NOT OWE AND I HAVE NO CONTRACT WITH CBCS FOR A DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failing or refusing to prove a debt exists and they are authorized to collect it Collection of an amount not authorized by law or by the agreement with the original creditor attemoting to collect amounts of dollar NO dcoumantion proving amounts are owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to purchase tickets to a football game in XXXX, Georgia via XXXX ( XXXX XXXX   XXXX ). The person made me feel comfortable enough after 5 minutes of conversation to transmit money electronically. They asked that I use Zelle, which I knew my bank ( XXXX ) offered as a service. That made me feel comfortable enough that, even if it was fraud, a service like Zelle and a bank as big as XXXX would protect me. I transferred {$600.00} to XXXX. When I got an email that the transaction cleared, the person hung up, I called back a dozen times and got no response. A scam. 

My bank ( XXXX ) says that Zelle can not do anything because I chose to transmit the money. However, XXXX will allow me to dispute the charge now, but I must wait until the transaction clears. XXXX is scams only to me now, I will never use it again and it was once a very novel and useful tool.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My COMPLAINT IS BEING SUBMITTED BY ME PERSONALLY, WITHOUT THE INFLUENCE OF ANY THIRD PARTY OR ANYONE ELSE. I HAVE ATTACHED DOCUMENTS PERTAINING TO MY COMPLAINT. I AM DEEPLY SADDEN AT THESE COMPANIES AND HOW THEY MANAGE MY DISPUTES.

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 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2021, I received a investigation letter and a updated consumer credit report from Transunion. The investigation for XXXX XXXX XXXX  states that the dispute information was VERIFIED AS ACCURATE. XXXX XXXX XXXX  is a CHARGE OFF account. A CHARGE OFF SHOULD NOT SHOW A PAST DUE BALANCE OF {$990.00}. This is INACCURATE REPORTING. Copies of the investigation letter and the updated consumer report are attached for proof. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Below is my letter to my mortgage company that I e-mail to them on XX/XX/XXXX, to which they have not replied. I have called, but the automated system continued to kick me off the line. It is impossible to reach a live person on the phone. 
Best, XXXX XXXX RE : Loan # XXXX Dear SLS, I am writing to inform you of another error in your calculations. Please see the screen shot attached for verification. On XX/XX/XXXX, my principal balance was XXXX. On XX/XX/XXXX, I made two payments. The first, was {$4500.00}, which brought my principal balance to XXXX. 

However, the second payment is not calculated correctly in my account ( see attached ). I made a {$1000.00} Payment to principal, which should have then brought my principal balance to XXXX. 

On, XX/XX/XXXX, I made another payment, of which XXXX should have been applied to the principal, which would have lowered my principal balance further to XXXX. 

Please check to see if this is correct. [ As of XX/XX/XXXX, my principal balance is listed as {$240000.00} ]. Please update our principal balance to the correct amount. 
-- -- -- -- -- In addition, also on XX/XX/XXXX, I sent the following message to SLS, for which # 6 ( see below has not been addressed ). I paid the principal down below the 80 % and should have not been charged the PMI on XX/XX/XXXX. 
Best, XXXX -- -- -- -- RE : Loan # XXXX Dear SLS, I am writing in hopes to address several errors that were made in the letter I received from SLS on XX/XX/XXXX. 

1. It was indicated that " We have not received a signed authorization to perform a valuation on the property. '' The evaluation has already been completed. It was completed in XXXX of XXXX. 

2. In the document titled " Borrower-Initiated MI Termination Evaluation Results '', this information appears to inaccurate. As the records show on my account, the principal balance on XX/XX/XXXX was paid down to {$240000.00}. As of today ( XX/XX/XXXX ) the balance is even lower {$240000.00}. 

3. Using the figure provided in # 2 ( above ), and XXXX ( the property value at origination ) x 80 % = XXXX. Therefore, MI.R001 should be a " pass ''. 

4. Using the figures provided in # 2 ( above ), and XXXX ( the property purchase price ) x 80 % = XXXX. Therefore, MI.R032 should be a " pass ''. 

5. Because of # 3 and # 4 above, MI.R037 should be a " pass '' 6. Because of items # 1-5 above, I request that the PMI be cancelled and that I am compensated the {$100.00} of the PMI that was charged on the bill that I paid on XX/XX/XXXX. 

Thank you for your time and your consideration and I look forward to your response. 

Sincerely, 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 explanation
Consumer complaint received 2021-11-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I mailed certified registered letters to ARS asking for a DEBT VALIDATION letter for all the accounts that show on my credit report with all three credit bureaus. 
ARS in turn sent me VERIFICATION letters that contain medical account numbers that are attached to medical/healthcare facilities and has my name attached to them as well. This is a direct violation of HIPPA regulations including but not limited to the 18 HIPPA Identifiers. I never signed a HIPPA form authorizing them ( ARS ) to have this information.

I am attaching the letters I sent ARS and the responses they sent me in this complaint. 

Thank you 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 2022-04-26
Company: EQUIFAX, INC.
State: PA
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:
My COMPLAINT IS BEING SUBMITTED BY ME PERSONALLY, WITHOUT THE INFLUENCE OF ANY THIRD PARTY OR ANYONE ELSE. I HAVE ATTACHED DOCUMENTS PERTAINING TO MY COMPLAINT. I AM DEEPLY SADDEN AT THESE COMPANIES AND HOW THEY MANAGE MY DISPUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Naviant holds the loan. I make my payments by sending return receipt so they must sign for the payment ( in the past they lost a few ) so I know they receive them. However Naviant still calls me every day and sends emails saying my payment is late or that I 'm in default when I clearly know I 'm not. I have all the receipts and am current and up to date. However Naviant continues to harass me every day calling from multiple different numbers at various times of the day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: AMERISAVE MORTGAGE CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get a signature on a consent of mortgagee form by the lender AmeriSave Mortgage Corporation. I have been trying to get this document signed and returned to me since the end of XXXX. I have received no return of this document. This needs to be signed and returned so our condo association can continue it's business. I do not know if they have the document or if it has been tossed out. I have sent this to 4 different addresses. All addresses with in AmeriSave.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Security Credit Services, LLC
State: CT
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: Problem with personal statement of dispute

Complaint:
I submitted a letter to Security Credit Services to validate a debt that they are reporting on my credit, as owing them. In the letter, I explicitly stated that it wasn't a denial of payment, but to validate that the information that they were reporting was indeed accurate and valid. I requested copies of the original contract, which they provided in a response letter from XX/XX/2021, but also copies of all accounting from their client, showing any and all payments which derived them at the alleged amount they state I owe. This concrete information would show the validity of the account, as well as copies of their licenses to collect in my state of residence. Neither of these pieces of information were provided, not to mention the fact that once this account was in dispute they were supposed to update with the credit bureaus the fact that the account was in dispute, a violation of the FCRA. While the letter states they ( Security Credit Services ) are allowed to report information, once an account is in dispute it's supposed to be reported as such. I never asked them to alter anything concerning the account, but once disputed this information should have been reported as in dispute immediately. This they did not do, nor did Security Credit Services report the dispute with the major credit bureaus. All information they admitted to in their response letter to me. I then sent a response letter yesterday ( XX/XX/2021 ) stating that I would be continuing my dispute due to these issue and errors and want to make a complaint due to unfair credit reporting and practices on the part of Security Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Duvera Billing Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and someone opened this account in my name without my permission. I am requesting for Duvera Billing Services to delete and remove this fraudulent account immediately from my credit report or legal actions will be taken against your company. 

My rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In the   XXXX   of    1998  I graduated from  XXXX  my loan total was about {$6000.00}. I have made years of payments to  XXXX   XXXX  and then years of payments to Navient and yet my balance is over {$6000.00}. I have contacted both companies and no one can tell me what is going on, it has been almost 20 years and my balance is still the same. This is my first step before I try and contact attorneys involved in lawsuits against them. For years I was making payments of {$120.00} a month but as it has been 20 years i now longer have these records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: BANK OF THE WEST
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 there was a fraudulent transaction from a merchant that called showed on my bank statement by the name of XXXX, in the amount of {$190.00}. Along with several other fraudulent transactions that had been made on my account, dating back a month before, all from the same or similar fake named merchants, and all of them for the same amount of {$190.00}, all together totaling {$790.00}. As soon as I noticed the transactions on my account, I attempted to reach the merchant or whoever they were via the phone number on the bank statement, all to no avail. The numbers were either disconnected, or were recordings that would just hang up on me. So I tried to call my bank, and after waiting on hold for hours, on XX/XX/2021, I was able to finally talk to someone and let them know about these mysterious transactions. I had explained to them that I had no idea who or what the transactions were from. And that I had not purchased anything for those amounts. They said they would do an investigation to find out and after I had to send them a hand written statement stating that those transactions were fraudulent, they finally accredited my account for the {$790.00}, as a provisional credit. It took a little over 2 months for them to finally get done with " the investigation '', and we finally got letter from the bank on XX/XX/2021, saying that ended up denying my request! And that they were going to take back the provisional credit that they had put in my account, and that if the money wasn't in the account that I would be responsible for the money owed to them! They said that they some how got printouts from the fake merchant showing that I had made at least one of the transactions. Even though the phone number on the paperwork for that fraudulent business or merchant, was disconnected! Some how they got ahold of them even though it was all a fraud!?! I want to know how they even got in touch with the merchant in the first place to get those bogus printouts!

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