BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
HI THERE U.S.A./XXXX ; GREETINGS OF THE DAY!!! 

MY PAN NUMBER IS - XXXX IN XXXX. MY MOBILE NUMBER IS XXXX XXXX IN XXXX. I CAN'T GET MY CREDIT SCORE OR REPORT IN XXXX SINCE ... .. I DON'T KNOW XXXX CRIDIT SCORES/REPORTS WERE BORN HERE IN XXXX. HELP. 

THANKS & REGARDS 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 2020-01-17
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
I leased a vehicle from GM financial. For three years I made payments on time, and after going through the return process, I made my close-out payment on XX/XX/XXXX. At that point, the account was completely clear. Never at any time was I made aware that GM financial viewed my account as being past due or delinquent.

On XX/XX/XXXX, GM financial notified XXXX  ( and probably the other two credit bureaus as well ) that my account was delinquent. On XX/XX/XXXX, GM Financial notified XXXX that my account had been improved. I had had no contact with GM Financial regarding my account subsequent to my last payment on XX/XX/XXXX, so whatever " improved '' the account had nothing to do with me. 

GM Financial 's erroneous report of my account being delinquent has decreased my credit score considerably. I have custom-ordered a vehicle, and when it arrives, I need my credit score repaired or I may not get the best terms on a loan.

I have attempted to contact GM financial via their customer service line several times. Every time I've called, I've been notified of unexpectedly high call volumes and gave up after being on hold for 15 minutes or more. On XX/XX/XXXX, I initiated a chat session via their web page, and after a substantial wait, an agent reviewed my complaint and agreed that my account was clear as of XX/XX/XXXX and indicated that I should receive some sort of notification via email that the issue was being resolved within 24-48 hours. Having received no such email, I again attempted to contact GM financial on XX/XX/XXXX via chat ( so the responding agent could see the message thread from the previous interaction ). After waiting over 30 minutes, the agent again agreed that my account had been cleared as of XX/XX/XXXX and  had said that he/she had " submitted [ my ] account for review ''. I was notified that the fastest a correction could be made to my credit report would be 30-45 days, depending on the results of the review. I was also notified that the agent could give me no time frame for the review, and I have no way of knowing if it will happen or monitoring the outcome. Furthermore, the chat lasted over an hour. 

Because GM Financial crushed my credit without merit causing me immediate financial difficulty, and because GM Financial has provided me no way of knowing when or if the problem will be resolved, I am filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31
Company: Kenneth, Eisen & Associates, Ltd.
State: AZ
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:
Never had a XXXX Account!, Never signed for anything, Have requested that in accordance to the provisions of the Fair Credit Report Act. 611 ( a ) [ 15USC 1681 I ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. 
I have contacted this collection firm, through email and postal mail. 
Have contacted XXXX complaint filed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquires be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank 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 2019-05-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
While I was XXXX overseas in XX/XX/XXXX my wife ( at the time ) opened up at Paypal Credit Card with my personal information without my consent or knowledge and without having a Power of Attorney. She spent upwards of {$5000.00} and I was never notified or told about this until XX/XX/XXXX. Paypal Credit called me to collect this debt in XXXX of XXXX and told me that since I was married at the time of the account being opened that I am still responsible for paying the debt. I filed a police report and had the account closed and investigated for fraudulent activity but XXXX has denied my claim multiple times saying that they will outsource the debt to a Collection Agency who will report this to my Credit. I  did not receive any merchandise and had no knowledge of this account being opened prior to 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 2020-06-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. Please assist. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have experience MULTIPLE fraud charges on my card in the course of 2 weeks ( XX/XX/2022 ) and TD Bank has been less than helpful in addressing the issue. I NEVER received fraud alerts for the first XXXX fraud charges that were all from the same vendor on 1 day. Then I received another fraud charge 2 weeks later ( on XX/XX/2022 ) from another vendor. As a lifelong customer of TD Bank, their statements about " some transactions will unfortunately not trigger a fraud alert '' is unacceptable. I have to wait almost 30 days for a decision to be made on the first dispute and they are not listening to ME, but contacting the SUPPOSED vendor for confirmation of the charges. 

I expect better treatment as a customer and don't want my credit to be affected - these fraud charges have already cost me close to {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, 2015, I submitted a letter to Ally Financial regarding issues with respect to a vehicle loan financed by Ally for XXXX XXXX XXXX in XXXX, California. Among other things, I requested that Ally respond to my issues. I have yet to hear from them. I have tried repeatedly to contact them but my calls go to unqualified personnel in the XXXX. They refuse to give me a direct contact person, email or phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: FC HoldCo LLC
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2016 an unauthorized inquiry was placed on my credit report.

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 2016-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery continually keeps harassing me at my place of business even though they have been told repeatedly to stop calling me at work. This is causing my boss to become irritated and I am at risk of losing my job due to the constant phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XXXX XXXX, 2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2022-02-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This is NOT a duplicate complaint! This is a new complaint! DO NOT CLOSE COMPLAINT BEFORESHEFFIELD FINANCIALAND CFPB INVESTIGATION IS COMPLETED!! This attached documentFINANCIALLY SETTLEDwas notarized XX/XX/2022 this week and certifiedmail toSHEFFIELD FINANCIALthe same day! Exhibit XXXX  XXXX  contract VIN # XXXX, for slingshot Make : XXXX XXXX. Please respond to attacheddocument.

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 2022-07-06
Company: EQUIFAX, INC.
State: MD
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:
On XXXXXXXX XXXX XXXX Equifax reported that Capital One Auto charged off the account and marked me with a missed payment. In reality this account was charged off over two years ago. This action has dropped my score over 50 pts which is hurting my lively hood .... 

I have filed a dispute with the credit agency due to inaccurate info on this account and they came back with this. This is a gestapo tactic...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XXXX XXXX XXXX  XXXX reported thaXXXX Capital One Auto charged off the account and marked me with a missed payment. In reality this account was charged off over two years ago. This action has dropped my score over 50 pts which is hurting my lively hood .... 

I have filed a dispute with the credit agency due to inaccurate info on this account and they came back with this. This is a gestapo tactic...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: DISCOVER BANK
State: TX
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:
Recently I used my Discover Credit Card because my visa debit card 's magnetic strip was inoperable. No worries in which I was using my credit card and paying off the card the next day of my purchases. So I thought. I made a payment on XX/XX/XXXX {$280.00}. XXXX, a payment on XX/XX/XXXX of {$170.00}, a payment on XX/XX/XXXX of {$920.00}, a payment {$57.00} on XXXX XXXX to supposedly keep everything current in which it should of been. another payment on XX/XX/XXXX of {$50.00} a payment of XX/XX/XXXX of {$380.00}, a payment on XX/XX/XXXX of {$280.00}, a payment on XX/XX/2020 of {$580.00}. I did this too keep everything current. However, the balance was - {$22.00}. So, being concerned I called Discover Card financial services on XXXX XX/XX/XXXX. i spoke with XXXX who was absolutely acted like he didn't know what I was talking about. He stated that sometimes things don't go through. Exact words. How is that possible that my payment may not go through. I asked to speak to a manager and for his badge number. which he gave me and have written down. When I spoke with the manager it was XXXX from XXXX, AZ. She was downright rude. She told me it takes 8-9 business days for things to clear. I told her the discover card services does not keep up to date like a normal financial service. Example. on my account it says I have a balance of {$420.00}. I paid {$420.00} to pay off balance. So what they do is hold the {$420.00} you pay for 8-9 days while you accrue more charges and interest. They don't update the account. so you are actually not knowing what you are charging. A lot of things did not line up. When I talk to XXXX and told her I had previous talked to someone and said the persons badge number. She even notified me they don't even have badge numbers at Discover. She was downright rude. Seem rather unconcerned of what they were doing. She even yelled at me with a temper. i feel so upset with Discover and want this resolved immediately. Unprofessional!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: FC HoldCo LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have received late fees on my account due to my auto loan company ( Flagship Credit ) not processing payments in a timely manner. I have mailed my payments TWO WEEKS before the due date and it takes them four weeks and sometimes longer to post the payment to my account. 

Also, I applied for a two month deferment and was told via phone it was approved and I could skip a months payment, so I did not not make a payment. Come to find out the deferment was not approved and they reported to my credit report LATE payments, I have called and called and finally I received an agent that saw what happened and went ahead and approved a two month deferment but she told me she could not correct the reporting to the credit bureaus. 

I have perfect credit with NO LATES or non-payments. I have now gone from a 100 % on time pay to a 97 % on time pay with the credit bureaus and I want the finance company to remove the late from my credit report as this is their error and not mine, I pay my bills on time. I also want the late fees removed from my billing as well, I should not have to pay late fees due to they untimely payment postings. 

I now call in my payment on its due date and have to pay a processing fee that they charge to ensure my payment is received on time which I should not have to do! They should be able to process a mail payment in a timely matter and not wait 4 - 5 weeks to post a payment every month.

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 2016-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Whenever I have a credit card someone uses it and the balance gets out of hand. The ending balance is usually twice the purchases I made and these include fees and interest. On all my credit cards I asked the companies to provide a reconciliation statement, how much principal, how much interest, how many fees and not one company gave me a statement. XXXX is notorious for identity theft. I tried working with these companies when the balances shoot up and use my skill in accounting ( took a college class ) and they WANTED me to ruin my credit. XXXX is behind this, I believe. We bought our house XXXX XXXX XXXX, XXXX XXXX with perfect credit and XXXX told me I had to go to XXXX of XXXX. They stood looking into our room and said, " This is very unusual, '' and managed to take over my accounts for the rest of my life. They have some kind of credit watch on my accounts and whenever I get a card they use it. Now I am hearing from Portfolio Recovery Associates on the phone every day. They call and do n't leave a message. This time I got the person 's name and number. I want to send them my phone bills for a year for this harassment. I pay for my phone and not for them for their business, crooked as it is. They should be arrested. Just now, XXXX XXXX a woman called just after XXXX. She said her number was XXXX. I want to dispute this on my credit report because the only way I knew to stop the identity theft was to stop paying my accounts to stop the thieves, thus ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Quality Lenders Inc
State: SD
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent this company a request for debt validation in XXXX 2015. No information was ever received so I then submitted a complaint with you Case number : XXXX in XXXX 2015. The company responded and claimed they never received my request in XX/XX/XXXX and said they would send me a copy of the judgment but do n't have my address. I did not ask for a copy of the judgment, also never did receive one. I asked for them to prove the debt was mine. I then disputed their response with you and then never heard anything back, nor received any information what so ever since XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My cell phone has been robo-dialed at least six times since XX/XX/XXXX by the junk debt buyer Portfolio Recovery Associates. 
They are attempting to collect on a debt that has been time-barred since XX/XX/XXXX in the state of Delaware ( XXXX XXXX XXXX, the original creditor 's, state of incorporation ) as well as time-barred since XX/XX/XXXX in the state of Florida ( where I have continuously resided since XX/XX/XXXX ). 
This is in violation of the Fair Debt Collections Act in Title 15 of the US Code, the Consumer Financial Protection Act in Title 12 of the US Code, and the Telephone Consumer Protection Act in Title 47 of the US Code. 
This is also in direct violation of the Consumer Financial Protection Bureau consent order # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Company has given out false information to credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been constantly been receiving vulgar calls from JPMCB at work and at home. These calls are causing me stress at my place of employment because my boss is coming down on me because of all the constant calling. I can not have a productive work day without being harassed by this company. I've received calls close to XXXX holidays and all the call 's are really starting to take a toll on my mental health. It's down right overbearing. 

I've attached a Cease and Desist letter to my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates, Inc. ( PRA ) bought a debt from XXXX XXXX in which XXXX XXXX had already charged off said debt. PRA, after 2 years of attempting to collect on this debt, filed a XXXX to the IRS on me for the year 2014. I disputed this debt many times to PRA by certified mail. I did not at any time have any agreement/contract with PRA nor did I receive any goods or services from PRA. This debt is past the statute of limitations to collect a debt. I filed a complaint with the US Postal service for mail fraud.

Company response to consumer: Closed with non-monetary relief