BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a vehicle with Toyota Financial Services, and everything was going well until recently. I received a notification that my credit score was dinged prompting me to reach out to the service provider today. Upon my discussion with her, I read that my credit monitoring accounts showed that I had not made a payment for the month of XXXX, which was wildly inaccurate. My account had been set to an automatic payment plan to have some peace of mind, or one would hope. 

The vehicle is a XXXX XXXX XXXX  purchased in Nebraska while I was XXXX  at XXXX XXXX. In XXXX of 2021, I received approval to complete my service at XXXX XXXX in Utah. I notified Toyota and the whole process went a little too smooth, as that was when all the issues began. The kind representative assured me that all was taken care of, and to enjoy my time in the new location. Again, automatic payments were supposed to continue on to provide peace of mind, as there is much more to worry important things to worry about such as COVID running rampant, and the military lifestyle. 

Some time passed and I began receiving a ton of phone calls from a random number in California. With my line of work, I can not have a cell phone on me so I generally rely on people being kind enough to at least leave a voicemail when something important is ongoing. I finally was able to catch the number when I was available, and found that it was Toyota Financial calling because a small amount of money was owed. The amount was the tax difference between the two states that the first representative disclosed during the update upon transfer in XXXX. Money has never been an issue, so I agreed to pay it immediately and asked if the issue could be addressed to avoid further issues going forward. Once again, I was given reassurance that all would be taken care of for that peace of mind provided by automatic payments. 

Fast forward a few more months, and here we are again. Toyota Financial was blowing up my phone claiming that I missed payments because the amount being paid was incorrect. So, both representatives that I discussed the issue with prior did not take care of the issue, and this third individual I spoke with informed me that I had to do it myself. With every payment I have in a month, the amounts always vary and the amount is deducted regardless of said amount Again, I can not stress enough the peace of mind that comes with not having to worry about actually miss any payments. 

I fixed the issue, and Toyota reported that I missed XXXX 's payment by 30 days. It is ridiculous, as a steady payment has been deducted happily by the organization. How is it that Toyota Financial is the only company incapable of adjusting the amount being processed to avoid this issue going forward? Either way, I was confident that the manufacturer I loved would take care of me, but instead they take my money and kick me down without any remorse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been misled by the representatives of PNC bank. I was looking at some refinance options and around XXXX XXXX, I called the bank before deciding on the refinance. The person I spoke to informed that my property taxes are low currently and I was issued an escrow refund of {$2100.00} in XXXX, XXXX. Since I never received the refunded amount, the check will be reissued. Additionally, keeping in mind the current lower property tax an escrow analysis was rerun and I was informed that my new payment will be around {$1900.00} from XXXX XXXX and I will be getting further refund taking my total escrow refund to around {$3800.00}. These payments will be readjusted in future when my taxes are recalculated by the county. However, when I called today to inquire about the delay in getting the refund check, another representative told me completely different thing. She informed me that only the XXXX payment will be refunded and my payment will remain same. 
This is a clear case of misleading the customer and because of the shady practice I lost the chance to refinance after paying appraisal and processing fee of around {$400.00}. It also messed up my calculations about another personal loan that I was hoping to repay with the refinance option. This sort of misleading has messed up my finances and I am stuck in a precarious situation. All the bank will do is " better train '' their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, this is following complaint of XXXX at Chase Credit Card. 
I just spoke with the Agent XXXX ( I XXXX ) at XXXX on XXXX. 

She accused me even though when I tried multiple times to make her understand the situation the whole 3 months process. When she did not even calculated the amount, doesn't have my fax, doesn't have my e-mail follow ups. 

I said the payment that I made on XXXX XXXX  is actually including some of the future transactions from that day. However, if you look at the next statement, those transactions are not reflected and miscalculated so Chase still charged me. I calculated and I don't think it matches so I sent this information of transactions I think it needed to correct to Chase to make sure. 

However, the Chase agent kept saying that I am responsible for the charges so I said that is not my point and I already said I am willing to pay the original amount but not the late fees because I followed the directions that you guys told me at the bank and the agent over the phone. 

She simply ignored and keep saying her point that I am responsible for the transactions even when I tried to explain when she had no data at all of my follow-ups. so I told her then can you calculate from XXXX to XXXX to the point that I made on payment. She said no and I asked her why but she kept saying no. She was just insisting me to settle the payment today without any actual information checksor detailed information. Even worse, when I asked her why she just ignored.

This is corporate 's threat when I tried so hard for three months to understand them and corporate them. Sadly, none of these were followed up and I asked to check the information they don't try.

I am not going to pay any late fees at all because I followed up the directions that Chase gave me and it is Chase 's fault to tell me the amount that I need to pay. Also I have been corporating very well for three months. Not only actively asking and making phone calls, but faxed them as well. However, Chase keeps making mistakes and they just want me to cover for their own mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 'm complaining because Experian have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.

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 2022-10-03
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is my original complaint case number : XXXX I made my two payments and the resolution was they were going to credit back. I've contacted them and they still havent credited and mentioned they don't see a credit on file. I'm trying to get this resolved before XXXX so they don't hit additional fees. Please help. 

Thank you!

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 2020-07-02
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Wakpamni Lake Community Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am the employer of the employee who is named in the " debt collection. '' Additionally, I was sent illegal documents to withhold pay from my employees paycheck. Apex Services is a well known unlicensed debt collection. Fraudulently, sending what look like formal payroll deductions with out court orders to do so. This company should be reported and shut down immediately.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-12
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the pieces of information were erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$6100.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX  XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
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:
Today XXXX/XXXX/17 I was informed there was a major breach of my personal information being stored by Equifax. It was shared without my permission in a database that was not sufficiently secure. I was directed to log into a site setup by Equifax which prompted me for even more information then what is traditionally requested when verifying a person. They asked for 6 digits of my social security number vs. the standard 4 and my last name. I could n't believe I had to transmit this information again and trust that the connection was actually secure this time around. Regardless I went through the process and found that all of my data was in fact stolen. I feel violated that they lost all of my PII, and have heard horror stories of how difficult it is to reclaim your identity once it has been stolen. The risks that were taken are completely unacceptable at their level and something needs to be done to ensure this never happens again. Additionally they have known about this problem for months and just sat on it. With 143 million potential victims we should have been aware of this problem a lot sooner. I am very disappointed as this is supposed be one of the institutions we can trust this level of data with and clearly we have been betrayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-02-10
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am a former employer for an alleged debtor. This person has not worked for our company in over a year. Direct Recovery Services ( ( XXXX ) XXXX ) has left multiple messages for me, including one with his name, alleged debt amount, and settlement options.

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 2019-07-31
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with Santander USA for an RV. I have made some additional payments which I wanted to go toward principal reductions. Those additional payments and dates were : XX/XX/XXXX {$80.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$2000.00} My regular scheduled payment is {$1900.00} I have been sending {$2000.00} wanting the additional amount of {$22.00} to be applied to principal. I am not sure if that is being done or not. Those payments were on the following dates : XX/XX/XXXX XX/XX/XXXX I contacted Santander on XX/XX/XXXX after I received a statement and viewed my transaction history. I was told the XX/XX/XXXX & XXXX was credited to interest, because that is the way they do things. I further explained to them that the additional payments on XX/XX/XXXX & XXXX should be for principal reduction. I was told they would look into it. I have been signing into my account expecting to see a correction, but to date that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was excited to check my Credit Report upon ordering an updated copy from XXXX XXXX XXXX dated XX/XX/XXXX to see whether the Credit Bureaus removed the items that I have been disputing for quite some time now. However, upon further investigation of my Credit Report, I was disappointed to see no change at all. It is as clear as daylight that the Credit Bureaus did not comply with the FCRA section 605b which is punishable by law. Despite the multiple written letters I have been sending to the Credit Bureaus, the Credit Bureaus never even took their time to verify the information they report on my Credit file. I have been informing them that I am a victim of Identity theft through the letters I have been sending them. But it seems like the Credit Bureaus do not give a XXXX about a consumer 's appeals and requests. Let me remind the Credit Bureaus that they are required to remove any account and information that the consumer considered were opened due to fraudulent information under the Fair Credit Report Act section 605b. I am submitting this complaint to urge the Credit Bureaus to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX Av, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX AD XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2017-09-08
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is in regards to the recent Equifax data breach. Equifax has indicated my personal information was likely stolen. Given the amount of highly personal information Equifax has about me, I 'm now at a great risk for personal identity theft, and will have to take many additional measures to safeguard my identify, all of which are not full-proof given that they can be circumvented with the very same info that was stolen. Equifax, while a victim themselves, must take action to assist me, and many others in securing our identify once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report says I have 100 plus precent credit usage. This has stopped me from being able to get a car. Im a single mother of two. When I looked into it I seen credit one was reporting my closed account as a balance towards my line of credit but took away the line of credit as the account is closed. Iv contacted credit one four times over the last two months and have paid as I can. My account is current on payment and is also closed. The only line of credit I have open is XXXX. Iv attached a screen shot of that as well.

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