BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-02
Company: G & D COMPLIANCE
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I worked with a gentleman in college who apparently got into some serious situations. Ever since then I have received phone calls randomly from Debt Collection agencies asking for him and information on how to find him. I have repeatedly asked them to stop calling my number because I am not the person they are referring to and have no contact with him any longer. I continue to receive phone calls and I am not impressed that someone was able to use my phone number as a contact number, which I did not agree to, and now I receive harassing phone calls when I have repeatedly told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
A XXXX fake bill collector imposter? or someone called my relitives house threatening that they were serving papers to my house or my place of work claiming they were giving me a two hour window to respond threatening legal action ..and insinuating arrest and they didnot have permission to call my ex husbands house. The number is XXXX. My XXXX complaint is a bill collector Portfolio Recovery collection agency repetitive blow up my phone calls kinda business continues to call and harrass and I dont even owe them. I had to change my ph number XXXX to avoid there company dial calls. I ask them several times to stop and they wont. they claim that I am whomever there after and are very persistent about it and demanding ... Please make them stop immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Trynig to stay brief! I accumlated debt because ... as a mortgage officer at XXXX XXXX - my sales and the companies reputation plummeted. I was forces to sell my existing Single Family home in 2018 and moved to a smaller co-op ( XX/XX/2018 ). No gain from the home sale. It sold for far less than I paid for it ( XXXX vs XXXX ). I only covered part of bank note, and kept a a XXXX 2nd, and also, added closing cost and the moving to new co-op to my credit card. The credit card is a Chase/Marriott account the balance has been between 15K and 28K over the last 2 years. I have paid faithfully and on time. My current interest rate is 15.74 %. This is ridiculous. In light of the new money ( Fereral Reserve, Discount window US Tresury and Commercial paper support. In additon much lower UST yields. It is imperitive for banks do their part to help their customer. Put spending power back in the hands of the people. 500 to 1500 % mark up on the cost of money is a crime! Principle reduction and interest rates reduction to 5 or 6 % is more than resonable. 
*** 1. Can you ( CFPB ) help! 
2. Will goverment, the Federal Reserve, US Tresurt Deptment help. 3. What other option do I have to eliminate this burdensome debt, other than default? How soon may I e
xpect some type of response?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I submitted a complaint to the CFPB because I requested TransUnion to remove the dispute status that appears on the XXXX XXXX tradeline on my credit report. I am trying to refinance my mortgage and the lender REQUIRES the dispute be removed from the account in order to approve the refinance. I originally sent a letter on XX/XX/2021 to TransUnion to remove the dispute. TransUnion responded to my dispute by stating they are investigating the dispute when all I need is for them to remove the dispute so that my lender can approve my loan. It is ridiculous that TransUnion needs 90 days to remove a dispute. I NEED THE DISPUTE STATUS REMOVED FROM THE XXXX XXXX  TRADELINE IMMEDIATELY IN ORDER TO CLOSE ON MY REFINANCE!!!! I am unable to get the benefit of a lower interest rate because TransUnion refuses to remove the dispute status on my request, it is 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 2021-03-27
Company: SYNCHRONY FINANCIAL
State: GA
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:
i disputed this inquires on XX/XX/XXXX, it has been more than 45 days and still no result.

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 2016-05-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I came to the dealership to purchase a new vehicle. I was greeted by XXXX XXXX XXXX, the sales consultant, there. After we sat down and discussed the terms to the new car purchase, he and the sales manager, XXXX XXXX, told me the price for the new XXXX Toyota Camry SE was {$19000.00}. With that price being agreed upon, I went in the room to discuss the finance with the financial manager, XXXX XXXX. 
XXXX told me that because I did not qualify for a low interest loan, they would have to take away the {$2500.00} cash back offer by Toyota manufacturer so I can be qualified for the loan. That brought the total up to {$22000.00}. On top of that, he said because Toyota financial service will only guarantee me the loan if I purchase all of their warranties. At the end, the total came up to be {$31000.00} including tax and title fees. When finally drove the car home, I realized that the paperwork stated the car was a XXXX Toyota Camry SE but the car they did the paperwork on was a LE model, which cost less than the purchase price on the paperwork. 
I contacted the dealership later trying to resolve my problem but XXXX, XXXX, and XXXX refused to work with me to resolve the situation. Even though they provided me with misleading information on the purchase price and the actual model of the car. XXXX also falsely told me that I need to purchase all of their warranties in order to qualify for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Opportunity Financial, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
My employer made a huge error with my paycheck and I needed funding to assist in a move to a condo. I applied for a loan with Opportunity Financial. Within minutes of completing the process that evening, I began to receive MULTIPLE phone calls from their offices, including into the next day while I was at work, teaching. This was very disruptive and during lunch, I called them and explained that the repetitive calls were unnecessary. As I did not yet have a paycheck stub to send, they closed out my loan application indicating that I could reapply at a later date. The next day, I received an email stating that my loan could not be approved due to 'adverse action ' ( I was told that my paperwork had been closed and not processed due to lack of employment documentation ). 

Once I received my paycheck stubs, I re-applied, attaching my payroll information. Again, the incessant phone calls began. I spoke with someone the next morning, inquiring about the reason for the XXXX phone calls that morning, the XXXX texts that morning, and the XXXX emails, all within a XXXX HOUR WINDOW. They indicated that they had approved my loan ; however, I informed the gentleman that I was speaking with that I had received an email stating that my loan had been denied. He said, " No, ma'am, I just got done speaking with the underwriters, everything is approved, I 'm looking at the paperwork right here! All you have to do is sign the paperwork and you 'll be all set, you 'll have access to the funds! '' I attempted to use the link to sign the paperwork and access the funds but could not. I then received ANOTHER email of denial ( by now, I am pretty confused ), stating that my loan could not be approved. I phoned the company who now tells me that the reason it could not be approved was because I needed a month 's worth of paycheck stubs. The first time it was denied was due to my credit report and the second time, it did not indicate the reason. 

I 'm not sure what this financial lending institution 's goal is : they are DESPERATE for customers it appears based on the insane amount of contact they make BEFORE XXXX even obtains a loan, but they are also very unorganized and unprofessional with regards to follow-up, documentation and correct information. It almost seems like they might get paid for processing applications but decline as many as possible to keep as much money as possible. 

The fact that I did not eventually receive the loan is of no consequence as my employer did correct the payroll issue and my financial standing will continue to improve. I am not bitter towards this company BECAUSE my loan was not approved. I am irritated ; however, that based on the confirmation of receipt of the loan that I obtained from the gentleman, I made arrangements to take a condo. Their business practices leave MUCH to be desired and are deplorable. Something just does not feel right about the manner in which they operate ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Iconic Mortgage Corp.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We went to refinance got through most of it the gentleman that was processing it told us everything looked good and to not pay XXXX or XXXX. So here almost the end of XXXX i have not heard back from this guy at all and then we recieved a delinquent notice as the XXXX payment was not made because of what we were told. I called multiple times to him and other people to tell him to get back to me. Needless to say we are now out of refinancing and down a couple XXXX dollars from him not communicating to me and telling us not to pay our mortgage as the refinance was clear. His name is XXXX that works for Iconic mortgage company. Do not go with this company! Single income family also military that got taken advantage of.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: FL
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:
I never filed this bankruptcy. Please investigate 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 2021-03-28
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a copy of my credit report and noticed fraudulent accounts.

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 2020-04-27
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Transworld systems inc located in XXXX va has gotten a hold of my number and I never gave my number to them which is wrong. they calling about the XXXX XXXX  debt that I have tried resolving with XXXX XXXX but they never called me back, this Transworld system is attempting to collect a debt in the midst of a crisis which WRONG!!!! I told them I can pay {$30.00} a month only and they tell me that's not going to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2018 I REPORTED {$470.00} transactions UNAUTHORIZED. USAA POLICY ADVERTISED PROMOTED IS ZERO FRAUD LIABLITY. WHY IS USAA LEGALLY ALLOWED TO DECEPTIVELY HIDE ALL ( PERMANET FRAUD CREDITS?? APPLYING TO ACCOUNT INTERNALLY?? ) ** showing only temporary credits XXXX DECEIVING?? CONSUMERS INTO BELIEVING TWO CREDITS APPLIED?? FOR ONE PURCHASE AND THEN ** REVERSING MERCHANTS CREDITS?? WHEN temporary credits were never applied not made permanet????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: NV
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:
I filed chapter XXXX bankruptcy on XX/XX/2019, it was discharged on XX/XX/2019. In my credit reports it shows wrong dates which is effectively effecting my credit. Ive sent the credit bureaus my discharged, Nothing has been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Early Warning Services, LLC
State: GA
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. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as XXXX  and Early Warning Services have a XXXX  XXXX XXXX checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company has filed a civil suit during a global pandemic. I was unaware of any legal actions until receiving a letter in the mail from a family member. the papers were electronically filed. According to the letter a judgement was ruled against me, without notice. My family members have been contacted and threatened that actions may be taken on them to leverage a response from 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 2020-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
To whom it may concern, As I was checking my credit score on  XXXX XXXX, I noticed an open consumer account named : CAPITAL ONE/WALMART with a balance of {$3300.00} and limit on {$3900.00}. I have had 2 Capital One accounts before that are now closed. In fact, I should no longer have any credit cards, loans, etc open as I have recently filed for bankruptcy that has now been discharged ( case # XXXX ). I suspect this is fraud as I do not recall ever applying for any Walmart card. Also, it appears that payments are being made monthly to the card. This card was apparently opened on XX/XX/2014 ( 6 yrs, 1 mos ). 

I would like this removed from my credit record as it does not belong to me nor have I ever opened or co signed for this. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call repeatly sometimes every hour. I have requested them to stop the calls. I am very sick and having XXXX problems. This has contnued for 60 days now. They call even on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The  Compa  ny : Enhanced Recovery  Co  L  address:  XXXX   XXXX   XXXX   fl  XXXX , placed a collection account for {$300.00} without notifying me that there was even an attempt to collect a debt or even information to dispute the collection. The company is in direct violation of the Fair Debt Collection Practices sect ion 809 ( a ). Validation of debts. The company has placed this negative mark on my credit reports and I would like it removed because it is hindering my chances to gain other credit and tarnishing my name that I have been working to clear in inaccuracies in order to maintain good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Credit card
Issue: Other

Complaint:
REf # XXXX Portfolio Recovery. 
The creditor filed an illegal law suit against me and was issued a judgment based on fraudulent information. The creditor had/has no proof that they even own the debt in question. Further the affidavit confirming the amount of the debt owed was " robo-signed '' fraudulently and the actual amount of the debt was never actually verified as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
We got a loan from Speedy Cash XXXX in the city of XXXX, CA. We paid it off on the due date and went on about our lives. About a month after we paid off the loan a payment was being deducted from our bank account. We went back to the Speedy Cash and got our money back. Two weeks went by and same thing happened, Speedy cash deducted the same amount from my bank account For a loan that we did n't get or apply for, my husband went and closed the account so this would n't happen anymore. Today ( XXXX/XXXX/16 ) I found out Speedy Cash took money out of my bank account for an account that has been closed and we do not owe them any money. We have talked to the manager but nothing has changed. I understand anyone can make mistakes, but making the same mistake 3 times? It 's not possible. 
My bank name is XXXX in the state of California.

Company response to consumer: Closed