BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Portfolio recovery has been calling since 2014 from many different Phone numbers they are harrassing rude etc they start at XXXX and end after XXXX with many as 15 calls a day They wo n't send a bill so I can make payments they wo n't accept what I can pay they demand I give them access to my checking account to bill me monthly stating this is the only way they will take any payments. No matter what you tell them they say they ca n't work with you unless it 's on their terms of payments These phone calls are almost every single day. I told them to quit calling me since they wo n't accept what i can pay them but they still call every day several times a day from different phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I returned from a XXXX on XXXX from the XXXX XXXX. The information from the Portfolio Recovery Associates , LLC showed up on my credit rep I returned from a XXXX on XXXX from the XXXX XXXX. The information from the Portfolio Recovery Associates , LLC showed up on my credit report around XX/XX/XXXX. I tried to contact the Company to get additional information. They were not able to supply me with anything. I told them I was on a XXXX, the information showed up on my credit report without warning. I was not given the allotted time to resolve the issue prior to having it showed up on my credit report as I was on a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was transferred from XXXX XXXX XXXX. We had my husband had been approved for a National Unemployment forbarence program EFF XX/XX/XXXX thru XX/XX/XXXX. When our mortgage was transferred to Greentree, we called in XXXX to be sure that they had the approval for the program and that the XXXX months of payments would be added to the back end of our loan as promised. Just to be sure, and after speaking with " XXXX '' our new account manager, we faxed the approval to her and then followed up to be sure that they had it. We made a multitude of calls between XX/XX/XXXX, and XX/XX/XXXX, and we have received no amount that we can pay going forward on XX/XX/XXXX ; as XXXX XXXX XXXX told XXXX. We were willing to catch up on our XX/XX/XXXX thru XX/XX/XXXX payments, but XXXX told Us thaf our account was in foreclosure review with an attorney! We told her that they could not do that, because the XXXX month foebarence is a National Unemployment program approved by President Obama. She really became rude with us and just pretty much said that is the way it was. When I asked for someone above her, I was referred to someone who identified himself as a supervisor ; his name only given as " XXXX ''. When I spoke to him on or about XX/XX/XXXX, I had to repeat the entire story. He told me that he would see if he could get all of the late fees and legal fees removed. When I spoke to him again on XXXX XXXX, he said that they would not waive the fees and then proceeded to tell me that my husband 's foebarence was dated XX/XX/XXXX thru XX/XX/XXXX ; which I told him was absolutely not true! He was also argumentative and said that he did n't know what I was looking at and that he would need a faxx. I called immediately to a young man named XXXX at XXXX XXXX XXXX, and not only did he read me the letter confirming the XX/XX/XXXX thru XX/XX/XXXX dates, but he also faxed it to " XXXX '', at Greentree Servicing. We left another message on " XXXX '', voicemail, because XXXX would not give me a direct phone number. To date, we have still heard nothing!!! We are begging to start paying our mortgage, and in face have already paid off our {$29000.00} mortgage with their same company!!!! In good faith, we have offered multiple times to pay the XX/XX/XXXX thru XX/XX/XXXX, as well as the XX/XX/XXXX, and begin paying every month, thereafter. However, they tell us NOT to pay until they have had a chance to review. We are more than concerned that this is going on and on and therefore our mortgage gets further behind!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased XXXX Toyota Truck on XX/XX/XXXX. i finance my vehicle from Toyota Financial services. my regular monthly payment $ {$620.00}. I was paying my monthly payment regularly. I do have documents. I made a future payment with Toyota financial on XX/XX/XXXX. Toyota financial took XX/XX/XXXX payment and future payments until XX/XX/XXXX. They withdraw {$2500.00}. After they withdrew this amount i called customer service. they did not return excess amount of payment. They said they send check to me which they did not. After calling and discuss with my account they send me amount of {$620.00}. i deposit this check and this check returned. My bank charged to my account {$35.00} return deposit fee. Also I got called from Toyota financial service customer service, get humiliated by them. They told me that they will repossess my vehicle. I could not resolve my issues or get any help from them. I asked them please send me ledger of account and checks that they send me. they said they can not provide proof of check they send me. Additional of everything they made my credit rating low. This is a very bad practice. Their system shows wrong amount of mature date payments. For example ; your loan payment due date of XXXX of every month. if you made a payment on XXXX which next day of original payment date ; they will collect from your account future payment ( which not is not due ) together with current month payment without your knowledge. If you have any questions or proof of payment please do not hesitate to contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
Hopefully you can restore the value of my gifted  XXXX   XXXX   XXXX  program {$100.00}  XXXX   Visa  gift card back to $  XXXX . I selected this card ( attache d ) a  year or so ago and, like many gift card users, the card was forgotten in a drawer. I found it on  XXXX   XXXX ,  2017  and noticed that it had an expiration date of  XXXX . I noticed on the front of the card that it says Funds do not expire so I called the  XXXX   XXXX  number on  XXXX   XXXX ,    2017  to get a replacement card. The call center advised me that a replacement card would cost $  XXXX  and that the balance on the card was deteriorating at a rate of $  XXXX /month after the  XXXX  date for card maintenanceso my replacement card would now be worth $  XXXX !   Needless to say I was shocked since I received no warning ( no mail, email, phone calls , etc..Im not su re what other maintenance is involved ) that my $  s  were evaporating ( or being stolen  XXXX  ).     Would you please help me get my $  XXXX  restored?     Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: TX
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/2022 please be sure to enter dates that all letters were sent. 

In accordance with the Fair Credit Reporting act. I am attaching a Copy of all letters sent below. has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advers item of information, other records of convictions of crimes which antedates the report by more than seven years

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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/2022 please be sure to enter dates that all letters were sent. 

In accordance with the Fair Credit Reporting act. I am attaching a Copy of all letters sent below. has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advers item of information, other records of convictions of crimes which antedates the report by more than seven years

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 2016-02-02
Company: FC HoldCo LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
this company has checked my credit without my authorization i never gave them authorization but received a letter telling me that there sorry but application has been declined i never applied for anything with them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One is acting in bad faith and colluding with merchant to steal my money. I purchased adapters from XXXX on XXXX, and then returned them on XXXX. I have confirmation Merchant received them back. Merchant refused to refund. I opened dispute and Capital One sent off a nonsense letter saying : Confirmation showing no cancellation per policy was received and charged me again. This is asinine. I attach evidence detailing the proof they accepted the return, sent me a return label, and then I returned the items. I want my money back for the returned items.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
A debt collector, Portfolio Recovery Associates LLC ( PRA ), has been attempting to collect a debt arising from a debt I allegedly owe XXXX XXXX from about the year XX/XX/XXXX. 

Prior to XX/XX/XXXX, PRA had made numerous phone calls to my home phone. Most calls went to my voicemail ( often no message was left ). 

On XXXX, PRA called me again, this time I answered. After the caller identified himself and the alleged debt he wanted to collect, I informed him that I was NOT willing to make payment on XXXX XXXX 's behalf, and to STOP calling me about this matter. 

On XXXX XXXX, I wrote PRA a letter stating that any further collection attempts would not elicit any payment from me, and directing PRA to stop communicating with me about this matter, regardless of the form of communication. I sent the letter Certified Mail, and verified with the XXXX Postal Service that PRA received the letter on XXXX XXXX. 

On XXXX XXXX, I received via XXXX a communication dated XXXX XXXX from PRA again attempting to collect on behalf of XXXX XXXX. Please note this is AFTER PRA received my letter on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband continues to receive phone calls, sometimes daily from a company called PRA Group. They are looking for me under my maiden name. They have been told repeatedly that they have the wrong number and that I have no business matter with them. There is no record of PRA Group on my credit report and they refuse to stop calling and request my personal information any time I call to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
**UPDATE XX/XX/XXXX*** I CALLED CFPB TO FIND THAT IT HAD BEEN TURNED OVER TO FTC. I CALLED FTC AND THEY SAID COMPLAINT NEEDS TO BE RE-SUBMITTED BACK TO CFPB. ANOTHER CALL TO CFPB AND REP SAYS IT SHOULD NOT HAVE BEEN SENT TO FTC IN THE FIRST PLACE. 
PLEASE ADDRESS THE COMPLAINT AS STATED BELOW - My problem is that each reporting credit bureau is not doing what they should be doing to remove an error in reporting from XXXX XXXX XXXX. XXXX XXXX XXXX is erroneously reporting a collection balance to their collection agency, XXXX XXXX. Both have conceded the error and both state that credit bureaus have been notified, yet negative report is not being removed. This has been going on FOR OVER SIX MONTHS NOW! 

Very, very frustrated with all three reporting bureaus and with XXXX XXXX XXXX, a company that does not operate with ethics, integrity, unscrupulous billing practices and/or at a minimum, such incompetency that the right hand is not with the left hand. Even the collections company has admitted that they often are chasing collections that are not accurate and frivolous. You can see that everyone and everything is screwed up in this whole mess including that CFPB kicked this out to even begin with. VERY FRUSTRATED! 

The bill is from XXXX XXXX for {$220.00} dating back to XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I noticed that I have been turned over to collections and is now showing a hit on all three major reporting credit bureaus for this {$220.00}. We have, for over eight months now received collections calls, made calls in response to bills we were receiving and been told numerous times that it is an error and that it will be taken care of. A different call might be a different answer ( that we also have had many times ) that might be from a collector stating that we owe the money. On XX/XX/XXXX, we finally reached a supervisor at XXXX XXXX that sees the error, will kick it back to XXXX with her notes stating the valid dispute but can not guarantee the results in our favor. Thus, this complaint and with certainty that this will not be disposed of UNTIL we file this complaint. 
The absurdity to this is in relation to a HOT SPOT device we tried out from XXXX in XX/XX/XXXX that had a 30 day return. We returned it back in 3 days since it did not work in the remote area we live in. The return at that time was confirmed that the device was received back from XXXX and that was the end of it ... .UNTIL several months later when all of this nonsense started. TO THIS DATE, XXXX XXXX XXXX AND THE COLLECTION AGENCY HAVE ACKNOWLEDGED THE ERROR BUT NOW THE CREDIT BUREAUS ARE NOT REMOVING THIS ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: MD
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Conn's, Inc.
State: TX
Product: Credit card
Issue: Other

Complaint:
I have contacted Conn 's and XXXX that the original delinquent date is incorrect- This account was included in my bankruptcy in XXXX XXXX. My original delinquent date was XXXX XXXX which I will attach supporting documentation from Conn 's investigation if you look in account history XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 3 ) - This would make this account over 7 years old- I want it DELETED from my report-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have 2 capital one credit Card accounts 1 ) Capital Platinum account ( XXXX ) - Limit 2 ) Capital one QuickSilver ( XXXX ) I have never paid late payments on these accounts My accounts got closed due to multiple return payments ; I have never made late payments and all of the hassle because I accidentally used the wrong saved account on my profile to pay my card multiple times. I have paid off the balance on the quicksilver card and I still received an interest charge - ON A CLOSED Credit card, I am not paying off my other card yet - since I am not sure what another interest is being charged Please reopen my credit cards- I am not asking for much since I always make on-time payments and have not shown any financial instability. 

I called Capital One as well at night but their representatives were unavailable. I have never made late payments and all of the hassle because I accidentally used the wrong saved account on my profile to pay my card multiple times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We lost a house in XX/XX/XXXX. We had a HELOC on it. The HELOC sold the debt to Green Tree Servicing recently and Green Tree has parked the old debt on our credit report stating the date of last activity was in XXXX. We have not made any sort of payment on this debt since early XX/XX/XXXX when we started to loose the house and were negotiating with the XXXX lien holder to try to modify our home. I 've disputed the debt with Green Tree. The statute of limitations on this debt was 4 years and the 4 years passed in XX/XX/XXXX. We were never sued for this debt and no judgements have been issued. We have not made any payments on this debt since XX/XX/XXXX. Our true date of last activity was sometime in XXXX or XX/XX/XXXX. This is more than 7 years old and should no longer be shown on our credit report. The foreclosure from the XXXX lien holder is no longer showing on our report. Green Tree is trying to Bully us into paying an old debt by reporting to the credit agencies that it is more recent than it actually is. I have disputed it with Green Tree and they just sent us paperwork from the original HELOC and the date the HELOC was charged off by the original creditor. Green Tree shows copies of letters sent, however, we never received them. If we did, we assumed they were credit offers and shredded without opening them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech mortgage company lost a wire transfer that was suppose to pay off my mortgage loan. The wire was sent on XXXX XXXX and it cleared on the XXXX of XXXX, however Ditech has no record of the payoff or wire transfer. Multiple times, Ditech has been contacted by both myself and the escrow closer but they were less than helpful and no one knew anything. They have no record of previous phone calls or conversations. They were suppose to investigate this matter almost a month ago but has done nothing. When I received a mortgage bill, I contacted escrow and my realtor right away. I am still getting mortgage statements when I have sold the property almost 2 months ago. Ditech needs to find the missing wire transfer and payoff my account. They lie to me on the phone multiple times and I feel they are theives.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief