BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was financed by Toyota financial services XXXX@22.9 % interest my credit score at the time was XXXX and so was my cosigner low XXXX 's. the terms of the loan were for 60 months, I asked for a simple interest loan. I was told if I paid early my money would apply towards the principal balance, that did not happen, all my payments were applied mainly to interest and a very small portion to principal. During the course of my loan I did take XXXX deferments with the understanding that they would be added to the end of my loan. So my maturity date would have been XX/XX/XXXX but it ended XX/XX/XXXX. 
So each month I was paying a little more than the balance due to help prevent further interest charges, but I did not see any benefit during the life of my loan. 
Every statement did not have any late fees or " other charges '' due on my statements, then I look at my final payment on XXXX/XXXX/16 for {$3900.00}, I was appalled. Where did those charges come from? 
I inquired with Toyota Financial and they advised it was from my XXXX deferments, and interest during that time. 
{$3900.00} in interest and fees? That is unfair, unreasonable, deceptive and predatory. 
I have asked three times for my payment history and have not received it. 
I took out a loan to pay my final payment of {$3900.00} because I did not want my account to charge off or to not receive my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I settled XXXX law suits with Portfolio Recovery ( PR ) PR was reporting open collections XXXX XXXX XXXX XXXX XXXX Although these accounts have been settled in full PR is continuing to report XXXX collections as open to XXXX. I called PR several times and was told, send a credit report to verify this, your problem is with XXXX file a complaint we do not know who the CFPB is. Essentially they used abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 
These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a credit card with Juniper/ XXXX and the interest went from 0 to 22 to 24 in less than 12 months. I called numerous times trying to work with them to get the rate reduced, because it was XXXX my payment too high for me to be able to pay it monthly. I called monthly for 3 or 4 months and they finally said the only way they could help was if I proved hardship. The Card rep said to not pay the bill for 2 or 3 months and then they would be able to reduce the rate due to hardship. I did not pay for XX/XX/XXXX, XX/XX/XXXX or XX/XX/2011 in hopes that they would reduce the interest as they stated. They did not reduce the rate, so I closed the account and borrowed money to pay it off. Is there any way to reflect this on my credit report or have this reporting corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Pinnacle Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted Pinnacle Credit Services regarding this. They refuse to speak to me and instead refer me to a third party that refuses to provide documentation on this " debt '', instead choosing to be rude and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX XXXX XXXX XXXX to Specialized Loan Servicing ( SLS ). During the transfer my account was labeled as being in " Bankruptcy '' and therefore my payments submitted to SLS have been returned. My account is NOT in bankruptcy, I have been current with all monthly payments, and there are no negative reports of late payments or past due charges. I have tried for three weeks to have SLS remove the bankruptcy status on my account so I may submit payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Interest rate charged was 22.99 % which violates Usery lawn in NJ.

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 2016-01-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
on XXXX XXXX, XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around the XXXX or so of XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from Experion, XXXX. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, XXXX of the reporting agencies asked questions about auto-loans I supposedly took out in XXXX of XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since the late XXXX 's! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
EXPERIONXXXX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. YOU ALL XXXX! 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX Mortgage sold my home loan to Specialized Loan Servicing ( SLS ) in XXXX 2016. In the process, SLS did n't get my insurance information and did n't pay the premium from the escrow balance. SLS sent me a notice and asked me to upload a copy of the insurance. I did that around XXXX XXXX, 2016. At that point, I understood that the problem was solved. However, apparently the insurance premium was never paid ( from the escrow balance ) and the insurance company cancelled the policy. I was n't aware of this. Meanwhile, SLS went ahead and purchased new insurance for me without telling me. ( I guess they sent me a letter but they did n't call me ). The new insurance was {$2200.00} per year. The insurance I bought was {$1000.00} per year, so their insurance was {$1200.00} per year more and my escrow payment went up {$100.00} per month. I had automatic payments set up and was {$100.00} short on a few payments. They put my account into delinquent status and they dinged my credit report. 
All of this resulted from SLS 's failure to get my insurance information from the other bank. Nobody called to let me know. I 'm getting screwed by SLS. Please help!

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 2021-01-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company : XXXX XXXX : {$610.00} Action : Attempted to inform reporting agency that equipment was returned and account should be removed.

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 2015-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have had a XXXX XXXX credit card for several years now, but unbeknownst to me they changed companies last year or " transferred lenders '' from XXXX XXXX to XXXX as it says on the report and my account was closed without my knowledge. So when I went to purchase goods from there this year rather than updating my account they started me a new one which subsequently hurt my credit score by bringing the age o my average account down significantly. I now have XXXX listings for XXXX XXXX cards with a less than XXXX year gap in between uses and a credit dip to boot. Help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Monterey Financial Services LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Monterey collections agency attempted to collect {$2400.00} from me, stating I owed XXXX this debt, dating back to 2011. I emailed them requesting proof and the contract came with the information of the person, with only our names being similar ; first name was n't spelled the same, DOB was 7 yrs apart. I called Monterey collections and the agent stated the problem will be corrected, but it might take 6 weeks. I had a similar incident with them about 3 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Multiple issues with Monterrey Collections : 1. An alleged debt was not billed to me by original creditor ( a medical lab ). 2 ) Original creditor ( XXXX, XXXX lab 's CEO ) represented only if an insurance payment was sent directly to a patient would collection attempts be made. 3 ) Alleged debt awareness was first made by collection agency -- no communication by original creditor -- XXXX years later than alleged debt. 4 ) Collection agency refused to disclose verification or documentation of alleged debt. 5 ) Alleged debt was reported to credit agencies ( XXXX ) before I was able to respond within 30 day notification deadline of receipt of collection letter. 6 ) Proof of insurance payment to XXXX XXXX regarding the alleged debt was sent to Monterrey Collections. 7 ) Monterrey Collections refuses to remove the debt or the negative credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent letters to Equifax asking them to investigate an account from XXXX/XXXX, as of XX/XX/XXXX, they failed to respond to my request as to how they verified this account. 

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when it will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I attempted to open an online CD account XXXX ... I had trouble w/their web site, called them ( XXXX XXXX ) got hung up on & locked out of my account before it was established. I was abused w/ " security questions '' then more by EXPERION ( XXXX XXXX ) these were questions from over 20 years ago ( where did I live 20 years ago ... .street address ) I am XXXX do n't remember the number, who would? my XXXX XXXX sored, I got XXXX from disbelief on how I was being treated, no other bank/financial ever put me through this ... .and they ask for is your social security # too much!, I had identity theft because of a bank, this is security abuse and out of controll. Experion has WRONG info, OLD, outdated info & are unresponsive, profiteering & should be put out of business, they also make me carry my X-husbands credit info on my report from 20+ years ago! disriminatory/unfair! XXXX is over kill/abusive in security .... banking/financials/credit reporting/security is OUT of CONTROLL & WRONG! ... 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 2017-01-12
Company: Financial Credit Service, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rec. a phone call from a assest recovery associates ARA 2days ago. I was at work and trying to hear what ara was saying. they stated i owe about XXXX dollars for a dept. to XXXX XX/XX/XXXX thru XX/XX/XXXX. I could not recalling any money owed to this company 20 years ago. I was threatended with being served by the sheriff, court proceedings, garnishments, leins, fees etc. ARA also had my SS and personal information. I told them i did not recall this dept and if i had this dept i would of taken care of it 18 years ago. It was extremely frustrating converstation i was put on hold transfered to different people with different titles. At first i was terrified and told them i didnt have that kind of money. they said they could settle for less around XXXX. Which i still couldnt pay i said i need to talk to my bank. well the figured changed to about XXXX now. They said if i could pay anything now I had XXXX dollars on my debit card i gave them my card number and they took the funds. they said i have to XX/XX/XXXX or court proceedings will start. I told them again i never rec. any letter from them to date i gave to date. the stated they sent to my p.o. box of course they had all my information. Till this day i have not got a legal letter from them. I should not of payed anything. Something is not right. So I came home from work got on the computer and researched everything. I contacted the company XXXX they contacted me back and said it would not be possible to owe them anything from XX/XX/XXXX and is not affiliated with any company like ARA. STatue of limitations is 6-7 years in my state for dept owed. I have contacted my bank and none of this is every showed up on my credit report.. ARA is terrifing company. there practices are crazy and have to be illegal. I live paycheck to paycheck i cant afford a lawyer either.. What to do. Help me stop this company from doing this to other folks. They way ARA uses terms statements can be very overwhelming especial if you are not a legal advisor. Just a average person trying to get by.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt has NOT been paid in full however this debt was originally placed with another debt collection agency who then transferred it over the Medical Revenue Service and they never notified ME of the change and all this time I have been paying the other debt collection agency for the same debt that they marked against my credit. Now the other debt collection agency ca n't seem to tell me where all my payments went to and Medical Revenue Services do n't have any records showing that I have been paying on said debt for the past year!!!!!

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 2016-06-25
Company: Financial Credit Service, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been contacted by XXXX XXXX of " the legal department '' of ARA , Inc., claiming to be a collection agency attempting to collect an alleged debt of which I have no knowledge. I did not find the alleged debt, " XXXX XXXX '', on my credit report. XXXX XXXX has contacted me numerous times by telephone : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX And today I received the attached letter via XXXX. In the telephone conversations, XXXX XXXX raises his voice and demands immediate payment of the alleged debt under threat of immediate civil action without affording me an opportunity to dispute the debt or even inquiring about the nature of the debt. He claims the debt is for an account dated XXXX. Even if this alleged debt were true, and I emphatically do not stipulate that it is, the statute of limitations in Illinois for such civil action has long passed. I asked XXXX XXXX for his agency 's address ; he refused to provide it. I asked XXXX XXXX to provide validation of the debt ; he refused to send it. Furthermore, a search of the records of the Illinois Department of Financial and Professional Regulation yields no Collection Agency license for XXXX XXXX or ARA, or for XXXX XXXX, the ARA manager named in the letter. I believe this is an illegitimate, fraudulent attempt to collect a fictitious debt.

Company response to consumer: Closed with explanation