BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I asked for GAP insurance but was blindsided with a cheap warranty from XXXX. Now that the lease is totaled out by my insurance, XXXX wants me to payoff the remaining XXXX dollars that my GAP insurance was supposed to have covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2016-03-08
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to any of my requests to investigate, verify and remove the XXXX accounts from my credit report that do not belong to 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 explanation
Consumer complaint received 2017-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I demand to see Verifiable Proof of the accounts Experian have on file. But Experian still not show me. Their failure to positively verify these accounts has hurt my ability to obtain credit.

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 2017-01-30
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:
XX/XX/2017 Re : Account ending in XXXX : Seller XXXX/ Original Creditor : XXXX Creditor to whom debt is owed : Portfolio Recovery Associates LLC {$840.00} ( {$840.00} ) Called after sent written cease of communication notice. This is the 2nd written communication! They are still calling and we can see calls on TV screen with our phone service thru XXXX. Repeated calls at all hours. They have no respect for the laws of this Country ( USA ) and for other human beings. They have no shame!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had rented a XXXX XX/XX/XXXX. Even though the transaction was paid for in cash, there was an unauthorized holding/pending charge placed on my US Bank debit card which overdrafted my account. XXXX ONLY had my credit card information because it was required to reserve the rental. The charge pended on my bank account, then disappeared, as it was NOT legitimately authorized and ran mistakenly, unbeknownst to me. As a result of the charge pending, several overdraft charges ( I believe XXXX ), were charged to my account. I contacted staff at US Bank in XXXX, Ohio to contest the fees, as I DID NOT authorize the charge which then disappeared, leaving nothing but the fees. 
The fact that I did indeed have money in the account is observable due to the fact that the overdraft fees alone totalled MORE than the amount which my account had gone negative. ( IE : I DID NOT overdraft, the pending, unauthorized charge which then DISAPPEAERED, overdrafted me ). 
I was advised by US Bank employees that I should just keep a better eye on my account, and that the only employee who could help me was on leave for another 3 weeks. 
Honestly, I have better things to do with my time than argue with banks over fees which I did not incur through any fault of my own. 
I am now in the " XXXX '' for a negative account which was solely the fault of the financial institution itself, and by them not honoring their policies for unauthorized charges causing fees.

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 2016-05-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a low credit score and did not understand why. I pulled my credit report and found that I my XXXX account had been sent to the credit reporting agencies. It was a bill for {$37.00} that I never received a bill for. I contacted XXXX at that time to find out why I had never received a bill. They replied that my account has a returned mail restriction on it and they could not send me any mail, this is why I have not received any mail from them. I do not know why that would have happened because I have never put any kind of restriction on my account, and I would never tell any creditor that they could not send me mail. As soon as I discovered that I had a outstanding bill out there I paid the bill and requested that they inform the credit agencies that it has been paid and to ask the credit agencies to remove it from my credit reports. They referred my to their legal department. I would like to dispute this action on the part of XXXX because I never received a bill and nobody from XXXX made an effort to contact me about the past due balance. I did not ask or request any kind of restriction to keep them from sending me a bill. I am sending the replies I received from XXXX acknowledging these facts

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 2015-06-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have filed complaints with Experian about getting my credit report and Score and fixing anything that is not right on my credit report. 
I want my credit report and score so that I can see what is on it. 
My credit report should not have any thing negative on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Had my credit report pulled and found information pertaining to a false XXXX report out of XXXX Never lived there nor visited the State. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ErAse all names that is not XXXX XXXX XXXX. Erase all Addresses besides XXXX XXXX XXXX XXXX wi XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to access my Experian credit report online or initiate an investigation online. I subscribe to Experian 's credit monitoring service, however when ever I attempt to initiate an investigation and I enter my identifying information, a page appears that they are unable to honor my request and I must do it by mail. 

When I receive a paper copy of my report, I attempt to use the report number to view report again and I get the same message saying they are unable to honor my request. I can not initiate a dispute even after receiving the paper copy by mail. 

It appaears Experian has blocked my online access to my credit report information.

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 2016-02-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While going through the process of a 8 year divorce, I had relinquished my home at XXXX XXXX XXXX XXXX, Ca to the mother of my children. Court documentation stated that she had full custody of my children ; additionally, I wasnt abreast of their activity, nor was I granted any visitations. I extended the business to continue the last contract up to XXXX upon which all funds received went directly to her to a bank account that I had know access to. I recently checked my credit and found that in XXXX, XXXX and XXXX several liens were placed on my credit unbeknownst to me. My address has been in XXXX XXXX for the past 6 years. The updated status of these liens have apparently been satisfied/released and this has caused more of a hardship upon me to function in todays economy. I have know knowledge what these were placed on my credit for, for I havent been in contact with her and I still have to go through her if I wish to speak to my now XXXX XXXX XXXX son. I feel that due to her knowing my personal information, that my name and information was used in of hers for whatever these liens are applied to. I need to see proof of my acknowledgement, signature, etc ... something showing that i was aware or responsible for any of this.

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 2015-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Several years ago, this company ( Portfolio Recovery ) contacted me about owing this debt that they claimed resulted from a XXXX XXXX Credit Card. I began to pay but questioned whether or not I paid off the account. I stopped using the XXXX Card in XXXX because I knew I could not afford it ; however, I thought I paid off the account within a couple of years. I requested proof that I owed, and never received proof nor further communication from Portfolio Recovery. When I contacted the XXXX to initiate complaint against Portfolio, XXXX could not find the correct address associated with Portfolio Recover. Now, according to the Credit Bureaus, Portfolio is making it look like I opened an account in XXXX and have not paid on it. Which is not true. I have not reestablished having a credit card because I want to clear up and fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank Account Name- XXXX Account Number- XXXX Account Name XXXX XXXX Account Number- XXXX Account Name- XXXX Account Number- 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 2015-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone number keeps calling numerous times a day and leaving no voicemail so it is auto dialing which is against federal law. When you call the number back it states invalid to call another number which again is against federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Response to the letter I was sent form United States bankruptcy XXXX XXXX XXXX of Wisconsin office of clerk dated XX/XX/2022 2022

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 2015-05-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Complaint : I purchased a XXXX XXXX Air Fryer from XXXX XXXX XXXX XXXX XXXX XXXX which is supported by XXXX Bank. After having made XXXX flex payments on the XXXX payment I paid the total balance off bringing my account balance to zero. I have not purchased any other items. 3 months later I received a call from XXXX Bank / XXXX who stated that my account was now in a delinquent status and that I now owed {$170.00} in past due payments. After being transferred to different departments who all stated that I owned {$170.00}, even though I had previously paid off the balance. In order to protect my credit score I paid what was told to me that I owed despite the fact that I had paid the entire balance and requested that my account be closed immediately. Unbeknown to me XXXX Bank had reported to all XXXX of the credit burrows that my account had been delinquent, which has adversely effected my credit score causing it to drop XXXX points. 
I have enlisted the assistance of a consumer credit repair company ( Cure My Score ) to send out letters disputing this on my behalf. When I received an unfavorable response from Experian, it was advised that I contact your agency as to correct this injustice. 
Both XXXX and XXXX have both cooperated however Experian continues to report this negative information on my credit report which continues to adversely affect my otherwise stellar credit history. I have recently received higher interest rates on purchases along with being denied credit due to Experian stance for not removing this from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card from XXXX XXXX ( credit provided by XXXX XXXX ) that I paid and closed back in XXXX 2013. I 've been contacted over the last year by Portfolio Collections claiming I owe XXXX for this same account in the amount of {$420.00}. I provided proof 3x ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that XXXX is saying it 's valid. But when I contacted XXXX they tell me they never had any communication with the collection agency that has the account. I have going back and forth for almost a year trying to get this removed and so far no luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have been sued by Portfolio Recovery Associates. this took place during a time when I was under great duress from caring for XXXX XXXX parents. I did not have the time or the resources to question/fight the suit. I have been reading about the current ruling against PRA and XXXX XXXX regarding their business practices and robosigning of law suits and believe I am XXXX of their victims. PRA would call many many times a day and never ever leave a message. the next thing I knew here comes the lawsuit. I believe that the documentation presented to the court was robo-signed and just defaulted to me because I was afraid of being sued so I agreed to a payment plan with strong urging from the " Legal Dept '' at PRA I have attached all documents pertaining to this suit as well as a current letter received from PRA advising me I can ask for copies of documentation ( which I will ) but it 's making me think that this is not a properly documented judgement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian continues to report an inaccurate tradeline regarding XXXX XXXX XXXX. I have contacted XXXX XXXX via certified mail attempting to validate this debt, with no response. I have disputed this with Experian multiple times, but they keep insisting the account is correct. This evening while speaking with XXXX, I asked to speak to a supervisor or the person responsible for reviewing the documentation from XXXX verifying this debt. XXXX told me those individuals do not have telephones and I could not contact them. After a long debate, XXXX finally agreed to get a supervisor for me, but he just transferred me to a VM box. As the consumer, it seems unreasonable that I have provided sufficient documentation to support my claim, but as XXXX explained, XXXX XXXX does not have to provide any proof to Experian regarding this debt. I want this account permanently removed from 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 non-monetary relief
Consumer complaint received 2015-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Payments were made to collection agency and then account was proven to have been fraudulent transactions. Collection agency has been giving me the run around concerning returning payments made even after I have provided letter from original creditor stating charges were not mine and also stating that payments were not returned to original creditor when the loan was

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 part of a consumer credit transactions this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged due to Title 15 USC.

BUREAU-1692a ( 1 ), 1681A ( 1 ) -4/ ( B ) COMMUNICATION-1692A ( 2 ) CREDITOR-1692A ( 4 ) Charge off/Repo DEBT AND DEBT COLLECTOR 1692A ( 5 ) Collections/Student loans CONSUMER-1692A ( 3 ) LATE PAYMENTS-1666B ( A ) INQUIRY-1681B ( 2 ) /3A ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater Resolution- I want any filings removed from each of my credit reports for all three bureaus and to be compensated for each violation in addition to an apology.

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 2017-01-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Experian to inform them that the XXXX XXXX XXXX XXXX accounts that is reporting on my credit file do not belong to me. I have notified Experian and forward them a Fraud Affidavit with regards to this account. I do not know if this is a mix up or a blatant identity theft, but I have notified Experian and XXXX XXXX XXXX of this. I have not received a response from either of them. I would like these XXXX accounts removed from my credit file or proof of this account forward to 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 explanation
Consumer complaint received 2017-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX has not sent my request of a signed validated copy of my signature for the debt they say I owe ... I have sent several letters asking for any documentation with my signature and snd they continue to report to the credit bureaus in a fraudulent manner.

Company response to consumer: Closed with explanation