BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: CNG HOLDINGS INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a phone call from a representative of XXXX XXXX XXXX advising me that they are attempting to collect an unpaid debt for furniture delivery in Florida. I immediately thought this was a fraud, and I advise the person that I was hanging up because I 've not purchased furniture and do n't even live in Florida. We conversed more and I found that somehow someone opened an account with my credentials with a company named XXXX XXXX XXXX  to purchase furniture - I was even given the address - a 'manager ' of this credit services company was the one whom provided me with this extra information and assured me he would send this case back to the leasing company. 
I immediately looked up this leasing company and called in attempt to clarify this - I was unable to speak to a 'person ' but was able to leave MULTIPLE messages. To date no one has contacted me. 
Pulling up my credit report after the XXXX security breach I noticed a collection account listed for {$1800.00} from XXXX XXXX XXXX, I also see that one of my past addresses listed is FLORIDA? I 've NEVER lived in Florida - I can provide any proof needed and can attest to the fact that I have NEVER lived in Florida and have not opened any account from XXXX to purchase furniture. 
PLEASE CLEAR THIS OFF MY REPORT as this is FRAUD/I am attempting to purchase property and this should not be on my report - I believe this leasing company did not have a valid right to open an account under my credentials. How could this happen? This is completely false and illegal!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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:
I've been calling and calling these credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft.. Non of these accounts are related to any transaction done by myself. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below along with my driver license

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
DEPT OF ED/XXXX XXXX ( PHEAA ) is who the loans are with. My husband and I are both XXXX  and both have our loans through this company so we can use the PSLF programs to repay our loans. Multiple times we have provided the appropriate paperwork for proof of payments made toward the 120 qualifying payments and the company keeps increasing our payments even though we are on an income based repayment plan and the company is not keeping up with our payments accurately. Keeps saying we need to resubmit the paperwork. This has been going on for over a year! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: FL
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:
Hi, All the mayors credit reporting agencies still have one of my account on derogatory for over 7 years and they dont take it out. I am not able to build or get any type of personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My account was stolen on or around this XX/XX/2018 -current I have been reaching out to XXXX  to get this matter resolved there were foreign tranactions on my account that have not been refunded back to me that I didn't authorize I faxed and mailed all the documentation XXXX asked me to return yet each time I am on the phone with a customer service agent they say they either have the fax /mail or don't have it one rep said they had the documents and they are being reviewed the other rep said they didn't have the documents each time I call there is a different answer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Portfolio Recovery has contacted me multiple times at work after I've asked for written validation of the debt they claim I owe. They have called on XXXX  from XXXX at XXXX XXXX, XX/XX/XXXX ( did not get the number ) XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX from XXXX, and multiple other occasions. I've asked repeatedly not to call at work and the calls seem to be getting more frequent instead of stopping. They have even left messages with coworkers on my days off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The bank paid off the lease XX/XX/XXXX and we had to involved the attorney general then, the bank paid car off now XX/XX/XXXX we tried contacting gm financial for title and they keep blowing me off and each time I spoke to someone they say ten days and the bank never received the title I gave them every thing they ask for and it's still a delay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Avant Holding Company, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I applied for a personal loan through Avant months ago and have made payments timely. I've been helping family during COVID-19 and this was the only loan I could get at this time. The interest rate is 35.99 % and I've asked for a lower interest rate and was told they can't do this. It's an excessively high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've been calling and calling these credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft.. Non of these accounts are related to any transaction done by myself. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below along with my driver license

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 2020-11-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I made a payment to Tjmaxx Credit card in which I accidentally selected the wrong account to be paid from. This payment was the third payment I was making that month on the account so {$0.00} minimum payment was actually due at the time. I also paid on XX/XX/2020 {$64.00} XX/XX/2020 {$100.00} and XX/XX/2020 {$30.00} they told me that they closed my account due to lack of payment which is a false statement as I pay 3 times a month. No contact was made with me dispite the claims of their customer service representative and I feel this is wrong as this os going on my credit report as '' CLOSED DUE TO LACK OF PAYMENT '' Many people are suffering at the hands of this company and something should be done about it. So please read XXXX  complaints and Customer Affairs they are ruining the credit of many of people that do not deserve it including myself which I have worked hard to restore

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
n accordance with the Fair Credit Reporting act 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 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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-09-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I purchased a new XXXX XXXX XXXX. The financing was done through Toyota Motor Credit Corporation. The original balance was {$28000.00}. ( 1 ) As an XXXX XXXX service member with the XXXX XXXX from XXXX to present, I have had two PCS moves since purchasing this vehicle. This includes an assignment in XXXX from XXXX to XXXX. ( 2 ) As a result of my XXXX beautiful children being born and PCS moves, my expenses were much higher than anticipated and I had trouble paying the car loan. We still have the vehicle in our possession. ( 3 ) Several months ago, my wife called Toyota and tried to re-establish a payment plan on this vehicle. The representative at Toyota said we could send a payment ( s ) but there is no guarantee that Toyota would accept the payment ( s ). ( 4 ) A few weeks ago, I met with military financial counselors who made me aware of a {$21.00} XXXX settlement on overcharges to certain minority buyers from XXXX to XXXX. I am a minority buyer and was never notified of this matter, although I was also stationed in XXXX during the deadline. I question whether I qualify for benefits from this settlement since I am a minority. ( 5 ) As of today, XXXX XXXX, XXXX, there is a {$9100.00} " charge-off '' reported with the credit reporting bureaus. ( 6 ) Today, our military financial counselor, and I called Toyota Motor Credit at XXXX and spoke with representative XXXX around XXXX XXXX  Central time. We asked about establishing a payment plan and she told us that she is not able to establish a payment plan as Toyota will be placing this account with a business partner. When I asked " who '' the business partner will be, she said it could be one of several. She said that " business partner '' will contact me for payment options and that it could take up to 30 days. ( 7 ) This is now the second time we have not been able to establish a payment plan. I'm concerned about my credit and reputation as I have not been able to establish a payment plan or reduced lump sum settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I provided proof to them through the dispute that I was scammed and they acknowledged it but still saying I owe it doesnt make any sense

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Finance solutions claims that they are following HIPAA Laws but they have not. Under HIPPA laws, the information that can be shared with a collection agency is limited. The information that may be disclosed to a collection agency includes the debtor 's name, address, Social Security number, date of birth, account number, payment history and the name and address of the health-care facility or provider. However, HIPPA laws do not allow the medical records to be submitted to a collection agency. The services a patient received are private, and those records may not be disclosed to a collection agency. This company sent me a copy of the health records directly from them. THIS IS A HIPAA VIOLATION AND I HAVE THE DOCUMENTATION TO PROVE IT. I also have credit reports dating back to 2014 where this debt was never placed on my credit nor have I ever received anything about this supposed debt. Companies are required to notify you before placing any acct in collections and I was never notified of this debt. Both HIPAA and FCRA violations have occured on this almost 7 year old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TrueAccord Corp.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted four disputes with XXXX asking them to verify of immediately remove this collection from XXXX XXXX  from my credit report that I have no knowledge of. During my second attempt that was submitted on XX/XX/2020 they never sent me any notice whether it was verified or removed so I signed up for their subscription that showed they updated the account on XX/XX/2020 just days later without any full investigation. I have sent notarized letters asking numerous times along with a copy of my driver 's license and social security card. XXXX and XXXX has removed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: First Data Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have had a prepaid account with this company for more that 5 years, I have never had an issue until, someone tried to steal money from out of my account.. The company placed a fraud hold on my account holding up the money that was stolen and my direct deposit.. My card was canceled so I am unable to access any of my paycheck. THis happened on X/X/17. I have been going round and round with this company to release my money. I have changed my banking information so future checks will never go into this account=, However every rep that I speak to tells me the same thing and still I have not gotten any closer to getting my money. I was told to send a dispute form in, Did that, I was told to write a letter asking for my account to be closed, did that .. Each time I call they tell me to wait another 7-10 days.. THis is my paycheck.. I live check to check.., This issue has caused me to lose my car, because I was suppose to make payment on it ... My rent is late,, MY electric I have to borrow money to pay that, My car insurance is lapsed, my gas, cell phone and water is now late/ ... I have credit card bills coming up.. All I want is this company to send my money that is MINE to me ... I keep being told 7-10 days just to wait on my own personal money.. I asked if the money could be wired into my Credit union account and I was told no.. I can not afford to wait any longer.. I have no food, no way to get back and forth to work and I keep being told 7-10 days.. Each person I speak with english is not a primary language, so the next barrier is understanding these customer service reps. Each call I 'm on hold 20 minutes to an hour and I spend at least 2 hours on the phone with little to no results. I WILL NEVER DO BUSINESS WITH THIS COMPANY AGAIN ... .. Worse procedures for theft or fraud ever.. this company has set me so far back on my bills. Today I have spoken with a supervisor name XXXX.. WHo just told me I needed to wait another 7-10 Business days for a CBR that was on X/XX/17 at XXXX HE mentioned that whoever i spoke with before did not do what they was suppose to do,,, SO now I still have to wait even longer. THe intinal complaint was sent on X/X/17 and another sent on *X/XX/17

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 2021-05-01
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason at all and has been holing my remaining money on my account for more then 11 months now. I have tried to get in contact with them over 50 times and have only got through twice and got a answer which i was told they cant help or give me any information on my funds. This has to be a mistake i have done nothing wrong for my money to be held for almost a whole year now. I have bills to pay and the way paypal is conducting business is very sad. XXXX is the email linked to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This account that is being reported 30 days late on my credit report on XX/XX/2018 does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards.

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