BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
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:
In XX/XX/2021 I was notified by XXXX that there was a credit inquiry on my report for XXXX Toyota for financing. I did NOT give permission for this inquiry and never even visited the dealership. When I contacted the dealership and asked them why they ran my credit, they said its no big deal just call XXXX and they would remove it. XXXX stated that I should contact the CFPB and pending the results of an investigation by the agency they would determine steps for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Toyota sent me a letter XXXX XXXX stating that they would remove negative credit reporting that occurred on my account in XXXX XXXX. I co signed on a car loan with someone and through no fault of my own the payments were late and I was never notified of this serious delinquency, until after the negative credit reporting already occured. Despite Toyota having my phone number and home address, they chose to send me a letter more than 2 months after the account went delinquent, thus not allowing me to speak to the cosigner, or if necessary make the payments myself to get the account current. Toyota gives me this letter, advising that they were removing the marker, but the marker is never removed and on top of that, they then report me XXXX 60 days, despite the letter saying that they were taking off the 30 day and that I had no other negative reporting. I have attempted to resolve this with them to no avail for almost 6 months, and they refuse to do what I have in writing that they said they were going to do. This have severly impacted my credit and I want them to honor what they said they would do in writing. This car loan is almost paid off, and it 's unacceptable that they send me a letter that says this, then refuse to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Charge of {$640.00} for deposit to moving company. Services not completed. Tried contacting day of and days before scheduled move. Left messages, emails and finally had to rent my own truck to move my things 1400 miles away. They were supposed to enter office at XXXX XXXX to gain access to locked gate. Documents sent by storage facility on my behalf to state movers never came or made known they were there. Storage facility has surveillance showing property and inside office. Bank never asked to see this to help my case. Moving company sent photo of mailbox at entrance of driveway. I enclosed my photos to show distance to main gate and office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX ACCOUNT # XXXX 2 ) XXXX XXXX XXXX ACCOUNT # XXXX 3 ) US DEPT OF EDXXXX ACCOUNTS XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1684 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am writing in the hope 's that you can assist me on my dilemma!! I am writing on behalf of my granddaughter XXXX XXXX XXXX as she is beginning her journey in life. 

I'm besides myself there is no way that I can pay more than {$50.00} per month on this bill!!!! I had to leave school due to my XXXX XXXX XXXX as a matter of fact she took a student loan for me and was able to be given Charity as she is now on Social Security. 

Our generation is being set up to loose fresh out of school with " NEGATIVE '' credit scores that's it, your stuck there for the next 10 years. 

Please help me in this matter they continue to close account sell account & the cycle begins all over again. To be quite honest I work XXXX hour week 's which just covers my rent. Isn't there some kind of program that I could possibly qualify for. 

Thanking you in advance for your efforts. 

Respectfully Submitted 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 explanation
Consumer complaint received 2016-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio is reporting negatve information on my credit report & I 've asked them to pleas eprovide verification that this account belongs to me. They ignored every request sent submitted. I first disputed the account with all XXXX credit reporting agencies. They reported it verified. I then sent requests in directly to them & they have ignored all my requests. The last letter submitted was dated XXXX/XXXX/2016. At this point this company is violating the FDCPA & FCRA. I would like the information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: PR
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210000.00} ), XXXX XXXX & XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} ), XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$100.00} ) XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} ), XXXX XXXX Account # : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$28000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$20000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XX/XX/XXXX, I was notified by XXXX via email that an account in my name was late on payment. After receiving this email, I logged into my XXXX account and saw that I had an account with a balance of approximately {$3000.00}. The account was listed as XXXX. I immediately called XXXX XXXX  advising them of the situation. They stated I did not have to do anything else at this point. 

On XX/XX/XXXX, I contacted XXXX XXXX  to check on the status of their investigation. They stated that I now needed to file a report. I immediately went to IdentityTheft.gov and filed a report ( report number XXXX ) with the Federal Trade Commission. Afterwards, I called back and provided the report number. They stated I do not need to do anything else at this time. 

On XX/XX/XXXX, I called XXXX XXXX  again for an update. They told me that my claim was rejected and that I needed to file a police report now. On XX/XX/XXXX, I went to my local police department and filed a police report ( report number XXXX ) for identity theft at the XXXX  XXXX Police Department. 

I am highly upset about this whole situation because XXXX XXXX  have not been helpful with me throughout this stressful process. I called and advised them that I was a victim of identity theft. They denied my claims without explaining why. They did not reach out to me throughout this investigation. I was the one who had to reached out to them by phone for all three interactions. They kept advising me that I did not need to do anything else until I called them back for an update on the investigation. If there was really an issue found during the investigation, they should have contacted me via phone to ask for additional information or paperwork but they did not. I had to reach out to them every single time to ask why my claims was rejected when they stated I did not need to do anything else at the time.

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 2017-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent two separate letters to ask for verification of a debt. The collection company a letter stating they have acquired and now owns the account. I do n't have a contract with this company and its not my debt. I have asked for a copy of the credit card application with signature and still I have not received nothing from them. I sent them a letter in XX/XX/XXXX. They refuse to remove this from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Two money transfers were sent via money transfer to a bank account overseas. The money never arrived to the intended recipients. After numerous attempts to resolve the situation and get a refund, they promised to resolve the situation within 24 hours but failed to do so. I submitted my complaint almost 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I tried to purchase a hotel reservation on a credit card, in preparation for a summer vacation. The transaction was declined. I called USAA credit card services to inquire as to why it was declined, and they said it had been flagged as fraudulent. I told them that it was not fraud and that it was indeed a valid purchase that I was trying to make. The representative on the phone verified the recent transactions on the card, and I confirmed they were all legitimate. The representative then pre-authorized the amount and asked that I try to make the purchase once more. I tried, and again it was declined. She said that it may take the system 24 hrs to reset and asked me to try again the next day. The next day, I tried to make a small purchase at a local store and again my credit card was denied. Once I arrived home, I tried logging into my USAA online account, but it seemed to have been locked. I called the number on the website ( XXXX ) to get assistance with unlocking the account. Hold times were 12+ hours. I held on for a couple of hours, but no one had answered. I tried calling later that evening, this time the automated message said their offices were closed. Basically, I had no way to access my accounts and no one to talk to about it. The next day, tried calling again, and hold time was 16 hours! So, I drove to one of their physical offices and tried to withdraw money from one of my accounts. After showing my driver 's license to verify I was the primary account holder, the teller stated that my accounts were locked and that she was unable to access my accounts to see why they were locked. Nor could I withdraw any funds from my accounts. She gave me another number to call ( XXXX ) and said I may receive a faster response this way. Reluctantly, I called that number. This time, it said hold times were 1 hour. But I couldn't get anyone on the line after 1.5 hours. I found another representative in the lobby and told them I wanted to escalate the issue. She took me to a room where she wrote up my complaint and supposedly sent it to their escalation departments. But she was not able to show me what she had written on my behalf and I couldn't confirm that a proper complaint was filed. She said a manager would get back to me in 24-48 business hours. I have yet to receive any communication from USAA informing me of what the issue is or how to resolve it. Nor do I know if/when I'll get access to my accounts or funds. I've even tried calling the main USAA number ( XXXX ) numerous times. The hold times are always upwards of 8, 12 and 16 hours. I've tried staying on the call for 4.5 hours, only to find that the office has been closed. This is simply unacceptable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: WA
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 sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was a result of identity theft my husband was a victim too. 
This debt is reported to my credit report as a debt in collection. 
When I called the creditors ask what is this about they claimed NOT to have me in the system as if I owed them anything. They asked was I married and I responded yes. My husband is the one who " they '' claim owes them this money. After never knowing about this till know we come to the conclusion we have been a victim of identity theft. My husband never opened an account with whom they claim he owes money to. When we ask to please remove this collection from my credit bureau they claim NOT to have linked my husband debt and my credit line. 
So why is this showing on my credit report. 
I want to resolve this issue ASAP, because I want to purchase a house before the market rises. I have NOT gotten the chance to do so because of this tangled web! 
Please help or fwrd my info to the right department. 
I truly appreciate all the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The college I was attending abruptly shut down altogether. I was less than a year from getting my XXXX XXXX in XXXX XXXX. XXXX XXXX never sent me my transcripts even though I repeatedly requested them in-person and via email. 

XXXX never suggested alternate schools that would be accepting my previously earned credits either. This was back in the year XXXX I believe, my loans defaulted in XXXX I think. In less than a week I went from going to my classes on a normal school schedule to the college shutting it's doors for good. 

I do not owe on my loans anymore because the contract I signed with XXXX XXXX was never fulfilled. XXXX XXXX violated their contractual obligations! They did NOT provide the services I signed the contract to pay for. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called and spoke to XXXX from Capital One ( Rep # XXXX ) and she refused to get a supervisor on the phone in order to give interest adjustments on my card due to COVID-19 in New York. New York has declared a state of emergency. The associate was condescending and advised to write a letter. This is a customer mistreat and I will not tolerate this. She refused to credit my interest for XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Investigation took more than 30 days

Complaint:
transunion has taken more than 30 days to Investigate my disputes i demand that they remove them as it has been more than 30 days i sent dispute back i XXXX almost 3 months ago the must remove the XXXX XXXX XXXX car loan and credit card disputes i have sent as it has been more that 30 days.

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 2015-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My wife and I both checked our credit reports, as we periodically do. There are several accounts on each of our reports, listing Portfolio Recovery for XXXX XXXX debts. We have never received anything, in writing, from XXXX XXXX or Portfolio Recovery. We have, however, received threatening voice mails from Portfolio Recovery, which we know is part of a possible scam. With all of the scams out there, we will not pay anything over the phone ; and certainly, nothing that is n't owed. We each did have XXXX XXXX accounts, years ago, which were charged off in bankruptcy. We have never received anything in writing, regarding anything owed to this Collection Agency. We only have discovered these on our credit reports. Proper debt collection practices and laws have not been followed. I know this agency purchases debt from creditors, but debts charged off in bankruptcy? VERY suspicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
" Contract was cancelled '' " NO CONTRACT '' The original creditor is XXXX XXXX and they are the collection agency. They wrote off the debt on their taxes which wrote off my obligation to pay. The contract I had with them was cancelled ; I no longer have a contract with them. The results to have them remove this collection debt off all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting a call from a company called Portfolio Recovery ( XXXX ). I have asked them numerous times not to call but they insist on arguing with me over the phone and stating that they will not stop calling. 

I am being harassed over and over and it is driving me insane. 
could someone please do something about this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX and XXXX 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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX 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