BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: PR
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:
Please see file attached called " Letter for Experian and XXXX. 
for a complete description, with all required information with additional documents attached. 

This was also sent to XXXX XXXX today, through XXXX XXXX XXXX. 

XXXX XXXX requires to include by mail, the personal information that C.F.P.B. instructs us not to include here, so the attached letter contains that personal information, but I decided to prepare a new version for the C.F.P.B. 
to be included here for XXXX and Experian, which does not include the personal information. 

The document called Scan 3, is a copy of a cover letter provided by a bank officer from XXXX XXXX Branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX P.R. It was just one of the communications I sent through the same Bank branches and bank officers about this, proving I always kept contact. Other communications, not all, appear as documents called " XXXX XXXX '', the central office XXXX Officer assigned to my case. 

The Petition for Rehearing at the Supreme Court, which was denied last XX/XX/XXXX, just as much of the 7,000 to 8,000 Petitions they receive was also included, identified by a too long autogenerated number for its PDF file. 
The Document called Rehearing Denied shows what the Supreme Court of the U.S.A. 
shows publicly, but they decided not to post everything. 

A page appears at the Supreme Court website saying additional information is available at the Clerk 's Office, showing additional info. not shown, like : XXXX XXXX XXXX attorney motion to substitute XXXX as defendant on my Lawsuit, for XXXX XXXX, the one who granted me the loan to update the XXXX Loan back in XX/XX/XXXX, because they said, now XXXX XXXX owns XXXX XXXX Puerto Rico, because they purchased it : But, the fact is XXXX XXXX still exists nearly anywhere in the world, but not anymore in Puerto Rico. 

I only sued XXXX XXXX : the same judge of the incorrect opinion, denied this motion to substitute party to XXXX XXXX, as shown and included, as Document 162 main. 

The document called 2 letters XXXX XXXX, shows a recent XXXX XXXX XXXX letter, where in XXXX, XXXX XXXX XXXX XXXX XXXX makes reference to another included letter in English, where they wrote XXXX account status is mostly responsible for the adverse credit decision, denying me a loan back in XX/XX/XXXX. 

Thanks

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 2022-10-11
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have three mortgages with XXXX XXXX that have been transferred to Truist Bank for servicing. I received a letter on XX/XX/2022 from XXXXXXXX XXXX  for each loan stating that my servicing was being transferred to Truist Bank. This letter also said that I would receive a letter from Truist about my new account. I never received those letters. My mortgages are due on the first of each month. I have been trying to set up an online account with Truist since I got the letters from XXXX XXXX When I attempt to do that on Truist Bank 's website, I get an error message and a message that says I need to call Truist Bank after XX/XX/XXXX. I have called several times with no action on Truist 's part to allow me to pay my mortgages. Today is XX/XX/XXXX, so I call Truist Bank to set up the online account so that I can pay my mortgages, and after being on the phone for over 30 minutes, I was told that to pay my mortgages, I would have to sign up for an online bank account with Truist Bank first. I do not want to do this, and it seems that they are purposefully making it difficult for me to make a payment. I just want to pay my mortgages. I feel like this is a violation of the law ( requiring me to sign up for a bank account to be able to pay my mortgages ) and tramples on my rights as a consumer. I didn't ask for any of this. I just want to pay my mortgages.

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$95.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$21000.00}

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 2017-01-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I settled a charge off account for partial payments. As I have been paying near 2 years, I called and asked to settle the left over balance of {$540.00} to less own balance. Toyota collections settled for {$260.00} to {$0.00} balance on XX/XX/XXXX. I then check my credit report and they reported wrong information. I contacted equifax for dispute and after 30 days, the dispute still pending and information is not correct. Therefore the negative information should be deleted by XXXX as Toyota failed to report correct information due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CITIBANK, N.A.
State: UT
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:
DSNB MACYS - -XXXX is reporting erroneously on my credit file. I filed for Bankruptcy in XX/XX/2019 and it was dismissed in XX/XX/2019. My account with Macy 's was included in that Bankruptcy. I recently checked my credit file and noticed that my account was still currently updating and that is a violation of the Bankruptcy stay. I have been working hard at improving my credit and this item updating is keeping my scores low. I need Macys to fix/remove this account on my credit file. It is against the Bankruptcy stay for them to update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A XXXX credit account was made with my information unknowingly, the individual who made the account was using to purchase numerous amount of products and paid themselves directly. I found out about this account when XXXX credit contacted me asking if I was making a payment on the XXXX XXXX dollar balance pending. When I received this call I thought it was a prank call or fraudulent. I have spoken with the debt collection company and told them to take the account off my credit. I was told to make a police report for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For several months i 've been receiving XXXX calls a day from PORTFOLIO RECOVERY SERVICES. They claim I owe money, which I do n't. The social security number that they give and birth date are both not mine. I have told them this several times but they still call every day mtltiple times. I have been threatened that people were on the way to my house to collect or kill me the choice was mine. They call from many many numbers so blocking still does n't help. I have tried several times to explane very nicely that I 'm not the person that they are looking for, they still call. This has been going on for months and months. 
PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
cfpb, Portfolio Recovery Associates have been on my credit report for quite some time now reporting an alleged debt of {$650.00}. I have sent them debt validation letters several times requesting " original account-level documentation '' and it went unanswered. Completely ignoring my request as to the validity of this debt. 

Portfolio Recovery Associates is also reporting to the XXXX, XXXX XXXX and XXXX credit bureaus as " Late '' and also protruding themselves as a " Factoring Account Company '' rather than a Collection Agency in their true name. " Factoring Companies '' are companies that buy corporate accounts receivables that are not past due. I XXXX XXXX is not a business and did not factor any receivables as I have no receivables and no relationship with this business. Portfolio Recovery Associates are calling themselves a factoring company and not a Collection Agency, giving themselves automatic rights to report a collection as a revolving credit card account thus allowing them to report late payments and report the account as open rather that closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
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:
I XXXX XXXX am a victim of identity theft and fraud. TransUnion IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Diversified Recovery Bureau LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a loan with XXXX that went into collections with XXXX XXXX supposedly in XX/XX/2020 I didnt know anything about this until it showed up on my credit report in XXXX. I tried all XXXX to get in touch with them and could not and today I finally did and they have transferred the account to Diversified Recovery Bureau so I called them today to get the account number to set up a payment plan and she threatened me and said if I didnt pay it all today I would be sued and they had the paperwork ready. I informed her I was not going to do that and hung up. I then got on their website and emailed them to get the account number which they complied and I made XXXX dollar payment, they continue to send me letters demanding the whole amount immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I do not know who opened the account and didnt until account showed up on my credit report. I filed a police report and submitted other required information to Target and to all credit reporting agencies, however XXXX and Target refuse to remove this information from being reported correctly. XXXX claims all Target has to do is say it my name address and ss # and it stays, Well that is the VERY information the person committing the fraud uses to obtain said credit in my name.. 

Ive even submitted copies of fraud activity removed from all agencies from 2004. This is my life and I feel like im being played with from all angles and Im gon na fight this until its corrected because im tired of it all. It impeads on my credit scores, my ability to purchase, and its extremely stressful to have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Sterling Infosystems Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently applied for employment with XXXX XXXX in XXXX XXXX, Texas. As part of the application process I submitted to a background investigation. I was later notified that my investigation results had me ineligible for employment by XXXX and that the decision was based on information outlined in the report conducted by Sterling XXXX. The report contains information of a firearm conviction for a XXXX, by comparison my name is XXXX. I have never used an alias, but Sterling XXXX saw fit to utilize aliases using variations of my name and submitted these findings to my prospective employer. I was later notified and informed that my offer of employment had been withdrawn as a result of this erroneous information. To clarify this matter I acquired XXXX separate background investigations, XXXX from the XXXX Bureau of Investigation and the other from the XXXX Sheriffs Department. Neither of these reports contained the lengthy and misleading info found in Sterling XXXX report. I fully believe that the erroneous information regarding firearms convictions resuted in my loss of employment opportunities that would have led to management opportunities with the largest employer in the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 having trouble with XXXX  getting chapter XXXX bankruptcy information off my credit report even though it has been over 10 years since it was discharged. In my bankruptcy, I reaffirmed my mortgage with XXXX XXXX   XXXX and it was never discharged through bankruptcy. There is no bankruptcy in my public records portion of my credit reports but in the mortgage section it shows this information and I was recently denied credit because of it. Also, I am still paying on this loan and XXXX, XXXX, and Transunion are not reporting all the on time payments I have made on this loan for years now. They all three show that I have no mortgage which is not true. I disputed this bankruptcy information being on my credit report for over ten years with XXXX  and it is still on my report. I need all three credit agency 's to show my years of on time mortgage payments and that I do have a mortgage and it was not discharged through bankruptcy. Can you please help me?

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 2018-12-03
Company: AES/PHEAA
State: AK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am enclosing my last 3 payments to AES. 

The payments and interest rates change every month and makes no sense. I have not agreed to any terms they change my rates to and they are not consistent with how my payments are allocated. I have enclosed my last few payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Portfolio Recovery called my work disrupting patient care. They call around XXXX or before when I was very busy working for the patient when they call. My coworker gave me the name and return number. I work in a XXXX and somehow they found my department from someone. After work I called them back and informed them they cant call my work by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates is attempting to collect debt for which the XXXX of Limitations has expired. They call from multiple telephone numbers and leave no messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collections account was placed on my credit report by Trident Asset Management and was not mine. I never requested items, service and never received items or service from the original debtor XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: JNR Adjustment Company, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX XXXX company called me around three months ago that I rented a car from them and accident it and give them back I did not rent car from them they have my name address and last XXXX digits of my social when I deny to pay them money they said your wife toke car from us my wife do not drive she do not have driving license they called me many times and forced me to pay them money which I do not owe then the jnr adjustment co called me many times and forced and harassing me to pay them money they also send me a later then I make a police report for identity theft in police report also indicated that they did not find any proof that I rent a car from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
TD Bank/ Target XXXX should be reporting a ZERO balance. I have submitted proof to Target as well as the credit bureaus and the error is not being corrected. I received a XXXX Cancellation of Debt on this account. I also included this cancellation of debt when filing my taxes in 2015 therefore the balance needs to be reporting as {$0.00}. I need this corrected immediately or this account needs to be deleted off my credit file! I am unable to get the credit I deserve because of this. I am attaching proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX woman with low income and I have NJFAMILY CARE insurance and it is covers me XXXX without paying out of my pocket any pennies. I went to the Hospital I have to take some XXXX ordered by my physician and XXXX XXXX sent me to collection when I was not suppose to pay any pennies out of my pocket. They keep send me all this letter and I have been very XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: WELLS FARGO & COMPANY
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
During a divorce my ex wife totaled her car which was financed with Wells Fargo the car insurance was with Wells Fargo also, the divorce was in XXXX and XXXX in XXXX XXXX  sued and garnished my check stating they owned the debt in XXXX Wells Fargo contacted me to make sure that no other insurance was on the car at time of wreck because they were in the process of filing a claim on the totaled car. 2 separate companies trying to get money for the same debt, who owns the debt and is that not fraud?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Phone payment was made to my Chase mortgage account on XX/XX/2021 and a confirmation was given. Weeks later, Chase said there was a digit missing from the payment account # and is reporting my payment as late on my credit report.

Company response to consumer: Closed with explanation