BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I fell victim to identity theft in XX/XX/XXXX and was made fully aware of its extent by XX/XX/XXXX. I asked for an investigation by the companies feud department and never heard a response. I sent certified U.S. mail dispute letter to the collection agency under the authority of the FDCPA requesting verification. I have not received any response. The company now is suing me in Massachusetts District Court, and I do not live in Massachusetts. The Court have given me 20 days to answer the complaint which Ive chosen in lieu to file a motion for dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: FC HoldCo LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I recently refinance my XXXX XXXX XXXX with another lender. My old lender Flagship Credit Acceptance has refuse to show on my credit report that the car is paid off and the loan clear. They told me it will not show until the first on the next month. I refinance the vehicle around XX/XX/XXXX. My new lender sent them the check for the remaining balance on the car. In most cases XX/XX/XXXX being the next month and my credit report should of reflected that the loan had been paid in full. They said it would not show up until XXXX which is currently showing up as 2 debts on my credit report and causing my score to be negatively affected. They need to adjust my report for the correct pay off debt amount so it will reflect a better rating on my report. This amount should show paid in full.

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 2017-12-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My credit was spotless until I cosigned a new car loan for my son this Summer. I insisted that the lender, Toyota Financial Services. must notify me if a payment is ever late PRIOR to negative impact ( ie, 30 days past due ) .. The lender agreed according to the dealership salesperson.

One day, I received a voicemail message from a Toyota collector. My son had let a payment go past due. I finally managed to gain access to the portal online by threatening my son. I called Toyata and spoke to a lady who told me I can not do anything about notification or account access. She further explained there was nothing she could do to remove the negative information from my credit reports. I then asked her if she could put on my account to call me if the loan was ever late again and she said she COULD NOT!!! She could only notify me once it went past 30 days. So how am I responsible and get negative hits if I can not access the loan or demand to be notified?

( I also think the message I was left by Toyota is very vague and impossible to understand. I literally can not understand the call back number the caller left me. I have uploaded the recorded voicemail she left. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
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:
My identity was stolen because of the Experian data breach. Over a year later, my XXXX XXXX card sent me a letter saying they are increasing my APR due to an Experian credit report. I currently have a freeze on all 3 credit agencies. 
Experian is unable to keep data safe. In addition, they are unable to keep the stolen identity case ( that they caused ) from affecting my credit score. My excellent credit rating of XXXX went down to XXXX due to their incompetency. This mismanagement is causing personal harm. There should be a class action lawsuit.

I would like Experian to repair the damage they caused and fairly report my credit score.

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 2019-02-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Date : XX/XX/2019 Place : XXXX checkout counter in XXXX XXXX, XXXX, CA The associate told us that if we sign up for store membership, we would get additional discount, but when he asked for my SSN to sign up, I asked him, if this is a credit card application. He replied Yes. So, I asked him that I would like to opt out. He said, he has pulled out the application and my credit is not affected. 
I checked my experian account and a credit inquiry had already been posted. 

Date : XX/XX/2019XXXX XXXX PST I called Experian to dispute the enquiry and the redirected me to talk to XXXX only. 

Date : XX/XX/2019 XXXX XXXX PST I called XXXX asking them to withdraw the enquiry and the associate on call, told me that XXXX will not do anything to withdraw the enquiry. I even told them, if they can get the checkout associate on conference call, I can get a confirmation on the series of events to which they said, they won't do that either.Also, I asked them if there's an email Id in XXXX to which I can write for my grievance redressal, to which they said, " Only verbal confirmation can be provided ''

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 2021-04-30
Company: EQUIFAX, INC.
State: TX
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:
remove it : FCRA violations : XXXX XXXX XXXX Original creditor : XXXX {$710.00} Balance updated XXXX XXXX, XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : XXXX XXXX Balance on XXXX XXXX XXXXXXXX Original balance {$710.00} {$710.00} Payment Info Original balance {$710.00} Balance {$710.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Affected by natural or declared disaster Your statements - Contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : XXXX XXXX Balance on XXXX XXXX XXXX Original balance {$110.00} {$110.00} Payment Info Original balance {$110.00} Balance {$110.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XXXX, I opened a Coinbase account and transferred {$5000.00} from my XXXX XXXX XXXX savings account to my Coinbase USD digital wallet. 

I 'm a XXXX citizen doing a XXXX in the USA, so I provided my passport, XXXX ID ( and a scan of my XXXX XXXX ) a few hours later to verify my ID. At this point, Coinbase disabled my USD wallet ( on which the aforementioned transfer was pending ) and replaced it with an EUR wallet. 

I contacted Coinbase support immediately to make sure that the pending transfer had been canceled along with my digital wallet, and received a few irrelevant automated messages. A day later ( XXXX XXXX ), the money had left my XXXX account, and I called Coinbase which asked me for a proof of residency. I complied immediately ( rent statement, lease agreement ), and I 've been waiting for any concrete development ever since. On XXXX XXXX, an automated messaged informed me that the money had reached my USD wallet ( which is not even listed on their platform ). I asked for the transfer to be reversed pending the resolution of the problem, to no avail.

I am growing anxious, given the volatility of the market Coinbase is operating in. This is a lot of money, especially for a student.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: NY
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 writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXX XXXX XXXX XXXX XXXXXXXX mentioned accounts.

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 2019-02-04
Company: Green & Sons Agency, Inc.
State: ID
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 XXXX XXXX based out of XXXX Utah/ XXXX  XXXX , Idaho won't report my accounts are being paid. They are garnishing my wages, but refuse to report the account as paid.

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 2018-03-30
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking and savings account under Chase Bank have been frozen for nearly a year. There had been nearly {$1000.00} balance in the accounts which I am unable to access, and whenever I call to check about this, I am transferred to a department who does not provide me any information other than that my accounts are under investigation. I am not sure how I can get my money back from Chase Bank or what sort of investigation may be happening that has taken nearly a year and still has no resolution. Furthermore, I was promised to receive a {$300.00} checking account bonus + {$300.00} savings account bonus, which I never received due to the accounts being frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XXXX. I worked through XXXX XXXX  Mortgage. They held my present loan and I was using them to refinance .They had just sold my 1st loan to Loan Care LLC . 
As soon as my loan was paid off I was suppose to receive my escrow of {$1100.00}. I never received it. 

I contacted loan care on XX/XX/XXXX. The agent had my account and loan was paid off Said the sent me my check on XX/XX/XXXX. 
I never received it They said they would escalate it. And do a stop payment and issue a new check.. I called back on Fri the XXXX to check on it. Nothing had been done. 
I asked to speak to a supervisor .I spoke to XXXX or XXXX a manger she said they would overnight my check on Monday the XXXX. They would send an e mail with tracking info. I never received the XXXX mail. Monday afternoon I called back talked to manager they said nothing had been done they saw the note for escalation and overnighting the check. She said she would call me back and send e mail before XXXX.never did. I called yesterday XX/XX/XXXX. Spoke to another manger. 
She seemed sincerely interested in helping me get my check as did the other managers spoke with. It seems the problem lies in escalation department. I received an e mail from them on theXX/XX/XXXX. They acknowledge I had a complaint and it would take up to 3 days to research they will have someone call me with an update. I need my check to pay some bills. I would like it tomorrow.

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 2019-03-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my second complaint to CFPB about Midland Funding. They are yet to verified the debt that they have listed on my credit report. At first I felt as if CFPB had failed me until all the state participated in a lawsuit about the horrendous participate that this organization have been using to collect debt. I am happy this was brought to light. In the case of State of Indiana along with 40 other States include Georgia ( My home State ) VS Encore Capital Group Inc, Midland Funding LLC  and Midland Credit Management In The XXXX County Circuit/ Superior Court dated XX/XX/2018. Midland Funding   did not follow the " REQUIREMENTS TO COMPLY WITH ALL APPLICABLE LAWS, '' ( begins at page 4 onward in attached document ) when they were harassing me for a debt that they are yet to verify, which in violation of FDCPA. Midland is yet to provide ORIGINAL ACCOUNT-LEVEL DOCUMENTATION.

I would like for Midland Fund to provide all that is listed in the " ADDITIONAL REQUIREMENTS RELATED TO DEBT COLLECTION, '' ( begins at page 7 onward in attached document ). If not they should delete the negative items from all credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted representatives of this company since XXXX of 2017 to remove there report of a debt the was already paid to their client prior to them contacting me. I have been threatened, called a liar and fraudulent when asked to provide them with my proof after being declined. They have no interest in resolving this issue professionally and never sent me any documents prior to my knowledge of them nor after requestesting all information in regards to this debt they claim I still owe. Their client, XXXX XXXX XXXX is no where to be found on BBB or online anywhere yet they refuse to remove the negative reports to credit bureaus. Whenever i seethe words of lawyer, lawsuit, original documentation, I am hung up on. This isnt right!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello Sir/Mam, I opened a line of credit with XXXX XXXX through Synchrony Financial about two years ago to purchase an item. During that I was offer a promotion where I could finance the item for several years interest free as long as the item was paid off by the end of the promotion. A couple months after this purchase, I purchased another item under the same line of credit utilizing another promotion program. Till this I havent used the line of credit and have paid bill on time ( I was never late ). Unknowingly, when paying my bill the company did not advise me that my payments werent going fully towards my balance and never advised that I needed to pay additional payments so that I have successfully pay y balance prior to the end of the promotion as to avoid any and all interest fees. I recently checked my online account with Synchrony Financial ( because I have the bill paid on auto-payment ) to so have my account is looking and saw that the balance was {$1000.00} and the promotion was expiring on XX/XX/2018. I immediately became concerned because I have always paid my bill on time and complied with the promotion terms. I reached out to the company and receive no solution ; they stated that if I do not pay the balance off by XX/XX/2018, I will be billed approximately {$2200.00} in interest fees right away and hit with a large interest fee every month after. I believe the company should have notified me and advised me that I would need to pay additional payments on top of the minimum payment if I wanted to pay off the item before am I charged the interest rates. Please is there anything someone can do to help me, I am not refusing to pay my balance I am simply asking that Synchrony come up with a solution to avoid any interest charges. Thank you so much for reading this and I hope I can get help.

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 2019-03-15
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I reached out to XXXX XX/XX/2019. the individual that picked up the phone I gave them my personal information to check on the status of my vehicle in the loan and why it was not picked up a year-and-a-half ago while I left it on the public Street and money times the tow truck came by but actually did not pick up the vehicle. the answer from The XXXX XXXX employee was the car was junked and it wasn't worth it for them to pick it up. since they never picked up the car I had to store the car for a year-and-a-half and I also got very busy taking care of my XXXX  XXXX XXXX husband and I never was able to take care of this matter. yesterday I spoke to employee of XXXX XXXX in the collection department XXXX XXXX he said to go ahead and take pictures off the car and send it to him via email which I did exactly that. this morning I spoke to XXXX XXXX and he said his manager offered {$1700.00} to be paid on XX/XX/2019. 
I just don't understand if the car was considered junk why are they charging me {$1700.00} and they will only put on my credit report paid less than owed amount. basically what they are trying to say is to pay and we will not fix your credit report which is unfair I will explain why I did my due diligence left them the car for pick up but they didn't follow the law to pick up the car and left it on the street and I ended up paying for storage of the car until today which is {$2400.00} or more they never give me proper disclosure for this type of a loan so I can understand it better. 
Over the years I have paid very High interest rate unfair fees undisclosed fees to XXXX XXXX. I want them to send me for any statements for any auto loans that I have received from them to my current address XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: NY
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 social security number was compromised. I can't do nothing with my credit because somebody stole my Identity. I have attached all my documents. My ID, Social, and filed a report with the FTC. I have listed more accounts that are fraudulent due to the fact that the FTC only lets you put 5 which I have more than. I would appreciate if you remove this fraudulent information on my report immediately. XXXX  Bless you and your family in these horrid times. I have one life to live. I don't want to waste time moving on with my life because somebody stole my Identity. I hope you understand. This is not the first time is submitted a complaint to Experian. They are playing with me saying that I am not the one and I'm a credit repair company which I'm XXXX not. Help Me CFPB!

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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