BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-10
Company: CURO Intermediate Holdings
State: NV
Product: Consumer Loan
Sub-product: Title loan
Issue: Received a loan I didn't apply for

Complaint:
On XXXX/XXXX/15 went into a XXXX store in XXXX, nv. to make payments on my loans. I asked if they could consolidate XXXX of the XXXX loans I had. I told the clerk numerous to leave the loan for {$110.00} opened because someone else paid on this loan. I was told no problem. I left the store with my new loan, thinking my payments now were {$320.00} a month. return to the store on XXXX/XXXX/15 to make my payment and was told that I owed $ XXXX why and the clerk said they made a mistake and consolidated the wrong to loans XXXX for {$210.00} which I only had XXXX more payments and the {$110.00} which I made it clear to leave open. The clerk said she did not make the mistake and would not correct it. I called the main office and talked to a few different people which none were going XXXX do anything about this. Then the threating and harassing phone calls started. This mistake by there employee puts me in a position that makes it so I can not afford to pay. I would never of opened the new loan knowing that they closed the wrong ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This is not the first time Comenity Capital opened up a credit card for me and then immediately or shortly after closed it out. XXXX XXXX XXXX I applied for a XXXX XXXX card as we are traveling this XXXX and I wanted to get rewards for my spending with XXXX XXXX. Immediately approved for XXXX. Card was mailed out and activated. I did not use it yet. On XXXX XXXX not even using the card yet, I get notice from XXXX that the card has been closed by credit grantor. 
Go back a few months, XXXX XXXX, XXXX. Opened a Redicard for XXXX with Comenity ... seeing I was going to be staying at a XXXX in the near future ... about a month later, get notice that it was - CLOSED by credit grantor due to inquiries. Funny thing is, the inquiry was the one that was for the XXXX with Comenity Bank. 
Same thing happened with my Comenity XXXX Visa. Approved in XXXX and then they closed the account. The only reason why I applied for the card was for the promotion that was going on. I joined the XXXX with XXXX and bought a bed, so I would get a discount. Shortly after, they closed my account and kept the fee I had to pay to join the club, as well as keeping any additional discounts I was going to receive for opening the credit card account and using the card on the purchase of the bed. 
With all this being said- XXXX accounts with Comenity, in the past year, closed by credit grantor ... is a bit ridiculous. Why extend credit to me, if after a few weeks, or a month, decide to cancel. I have no late payments, or accounts in default, so I am not sure why they are doing this. I took the hit to the credit bureaus for the inquiry and immediately or shortly after they close the accounts for 'excessive ' inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: VW Credit
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX VW Passat TDI SEL XX/XX/XXXX. I took a 0 % interest 60 month loan with VW Credit. I made every month payment timely and was never late. On XX/XX/XXXX, VW announced that they had used " cheat devices '' in their TDI ( i.e Diesel ) vehicles. The intent of these devices was to violate American environmental standards. In particular, to cheat in meeting NOx emission output. VW immediately imposed a ban on its dealers from selling these effected new and/or used TDI vehicles. As a result, TDI vehicles have certainly lost significant value since VW has n't determined how, or if, the vehicles can be repaired to legally satisfy EPA emission standards. The matter is well know and rather than explain it further, I will instead address my complaint. I made a request to VW Credit to suspend additional loan payments until such time that the EPA accepts the remedy regarding the TDI scandal. I purchased the vehicle based on VW 's claim that the vehicle is a " Clean Diesel '' that provided efficient use of diesel fuel in delivering the rated MPG along with EPA complaint emissions standards. The sale was based on a lie and fraud on the part of VW. VW themselves do not deny the wrongdoing. I do not want to continue paying for this vehicle until I know that the vehicle satisfies all the conditions and expectations made to me when I purchased the car. 
I cite " 16 C.F.R. Part 433 : Federal Trade Commission Trade Regulation Rule Concerning the Preservation of Consumers ' Claims and Defenses ( The Holder Rule ). I am presently in a position of having to make continued payments for this vehicle in order to maintain my excellent credit ratings even though the vehicle was sold to me under fraudulent and possibly even criminal intent by the manufacturer VW. In addition, it is unknown if there is a fix for this problem. In effect I am being forced to pay for a what might be a worthless pile of junk to preserve a personal attribute that I 've worked hard to create ( i.e. my credit score ). I request your assistance in getting VW Credit to honor my request to suspend future payments until VW and EPA agree to a fix to this mess. I should not be held hostage, I am a victim of a fraud. VW is the perpetrator and probably even the criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Harley Davidson Financial Services Inc
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Collector calls non stop. XXXX/XXXX/15 called 6 times within 10 min leaving no message. On normal day calls 8-10 times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
My Toyota dealer ( XXXX Toyota ) called and offered me a new car if I turned in my leased car early. They said there would be no penalty for doing so. So I agreed and the dealer took care of all the details. I have been in touch with the dealer and they are unwilling to do anything to help me out of this mess. 
I got the new car and am now paying {$340.00} per month on the new lease. However, the finance company claims that the loan was not satisfied completely because the car did not sell for the amount they needed at auction. What does this have to do with me, I do not know? In the meantime, Toyota Finance has turned this over to a collection agency who harass me and my wife night and day. We are XXXX and XXXX years old and do not need this at this time in our lives. I think we have been taken advantage of by the dealer first, and then by the finance company. It is a good thing that I am not in the market for a house since I 'm sure that this is not looking good on my current credit report. It has been stellar up to this point. How can I get these people off my back? I am not responsible for this money and the dealer says he sent the finance the correct paperwork a long time ago. But I am the one being harassed. He apparently ca n't be bothered to look into it for me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In a recent ( XXXX 2015 ) check of my credit report I discovered a derogatory listing from Portfolio Recovery Associates. This listing was been made with no notification to me and I did not receive my right to dispute. As I am unaware of any outstanding debts to Portfolio Recovery Associates, On or about XXXX XXXX, 2015 I made a written request for Debt Validation via XXXX Certified Mail # XXXX. I did not allege fraud or identity theft concerning this account. I was simply aware of any outstanding debt to this company. I have copies of this letter and proof of its delivery on XXXX/XXXX/2015 signed by XXXX XXXX. I received a response dated XXXX/XXXX/2015 stating if I wished to dispute the account to respond with a written request. 

Despite having already notified PRA of my dispute and request for debt validation I responded to the correspondence sending yet a XXXX Debt Validation request to PRA via XXXX Certified Mail # XXXX. I have copies of this letter and its proof of delivery signed for by XXXX XXXX also. In this correspondence I requested any documentation that there was a valid basis for claiming that I owe the alleged debt or a copy of a the last billing statement bearing my name sent to me by the original creditor. I also requested a basic explanation of how the alleged debt amount was calculated. 

PRA failed to cease all collection efforts until the full and complete validation was sent. On XXXX XXXX, 2015 a balance of {$3800.00} was reported which constitutes continued collection practices. Additionally at the time of my XXXX request the account still had not been marked " in dispute '' with the XXXX Credit Reporting Agencies. This was communicated to PRA in my XXXX request. 

In XXXX 2015 I made a final formal request that PRA provide me with debt validation of this alleged debt account within 15 days. I also asked that If they were unable to do so for them to delete the harmful item from my credit files. I sent this letter via XXXX mail ( Certified # XXXX ). 

PRA has failed to provide proper information regarding the debt. I am not aware of this debt and I would simply like proper information pertaining to it or to have it removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I was sold a XXXX in XX/XX/2016, told the car dealership I did n't want to run my credit a bunch of times, was told that would not happen but it was hit 12 times and lowered my score from XXXX to a XXXX. I then bought the car and had a payment due XX/XX/XXXX, I never got a statement from the finance company until XX/XX/XXXX, with a late payment and with interest adding up, I still had gotten no tags or tittle and my car went without tags until XX/XX/XXXX or so, meanwhile I had a late payment on a car I could not drive, the dealership did nothing, I was 80 miles from them so I was n't able to go and make a scene. I am extremely upset but feel I have no options, so here I am so hopefully no one else does this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The letter and check dated XX/XX/XXXX was accidentally misplaced and never opened until XX/XX/XXXX. On XX/XX/XXXX a representative and then a supervisor stated that any check issued more than a year ago would not be reissued when I called the number at the bottom of the letter from Portfolio Recovery Associates. The first call that I made to XXXX was answered by a representative that gave me a number to call and that number gave a busy signal repeatedly. The second representative told me that it had been more than a year since the check was issued and that they had been " told today that no more checks would be reissued. '' When I questioned the over a year statement and then the told today no more reissues statement, the rep said that she had been misinformed. I asked by whom because she had not spoken with anyone but me in the past several minutes. I asked for a supervisor and the supervisor told me that the check had been issued XX/XX/XXXX and that it was over a year and could not be reissued. I told her that the check was issued with the letter from XXXX on XX/XX/XXXX and that it had not been a year. The supervisor then told me that it did not matter, that the bank account that the checks had been written on was a contracted account for the purpose of paying the litigated amounts and that it was no longer active. I contacted the CFPB by phone and the man I spoke with suggested that I contact the bank the check was written on. I did so at the number he provided and the bank confirmed that it was an active account. I feel that the representatives acting and speaking on behalf of Portfolio Recovery Associates , LLC attempted to deceive me by changing the dates and reasons that they would not reissue a check in an amount that they clearly owe me. I believe that the supervisor told an absolute lie about the bank account being closed and lied about the date of original issue to attempt to stop me from pursuing the attempt to acquire the money that XXXX clearly owes me. I am not asking for the interest that XXXX has accrued from this amount of money that they owe me, simply a reissue of the check in the amount of {$1400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been trying since XXXX of 2015 to have this XXXX XXXX XXXX debt taken off my credit report. I first contacted portfolio Recover in XXXX via a credit company asking to have this debt removed because it was not mine. It is being reported on my credit report from this company twice for the same dept in the same amount. In XXXX I made XXXX attempts with a direct call to the company. I was told the XXXX time a Identity theft packet would be mailed to me. I received that packet, filled it out and returned it. A few weeks later after not hearing from them I called them. They said they did not get it. I was told to download one and fax it to them at XXXX. I did that twice. I call them back a XXXX later, they side that did not receive it. I faxed it again, called the next day and they still had not received it. I called them back again the following day hoping they received it but they still did not. I was told they would put it through their system again and send me out another packed to fill out an send in again. All my personal information is floating out there somewhere per there request. I am positive I will incur something negative on my report for their lack of business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They want me to pay a balance of an account that i never open and keep calling me asking for money and asking personal question and information like social security number by phone, i eould like this people to stop bothering me and remove me from the debt and their system since i have never open an account eith them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
on XXXX XXXX i was at Lexus of XXXX Because i was offer a # months waiver so there is only one 1 payment of $ XXXXwhit Lexus Financial Services and o a new lexus ct200h my payments was {$440.00} at months for 36 months at XXXX miles per year whit Lexus Financial Services so far today is XXXX XXXX and there is no answer of approval or declining this deal and i feel is because my XXXX background

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
These people called XXXX of times and a few time said we was going to jail and going to sue us, and the still call about XXXX times a day for sure the same time at XXXX every morning, i told them many times to stop calling and they still call and also call our cellphones. and now they have a robocall system that calls right on time each day. The name of the place is called PortfolioRecovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had a XXXX credit score and the only loans I had were federal student loans which I have been paying on time without any deferment. I went to finance a car from XXXX XXXX, XXXX XXXX Nj and they ran my credit report to approve my financing for the vehicle. They out XXXX hard inquiries on my credit report without my authorization while i have the documented proof that I only allowed them once to run my credit report. They ran it XXXX without authorization and put XXXX hard inquiries on it which led my credit to drop from XXXX to XXXX within a month, first from XXXX to XXXX and then from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2015-10-28
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
after being catastrophically injured almost XXXX yrs ago my husband is completely XXXX, he spent 67 days in the hosp. and 32 days of that in a coma, 2 yrs ago Cavalry spv 1 llc sued him [ g e money bank original credit card ] we explained how we now live off of ssd and XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in XXXX is there anything I can do. thankyou,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates is reporting a debt on my credit file and they have refused to validate the debt, dates, provide me with requested invoices how deposit was applied and original contract. They have contacted my father and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting numerous calls for a debt I do n't owe, I verify social secutity number and date of birth with the XXXX on their files and it 's does not match, yet they continue to call me. I have asked them to correct their records but they have failed to do so. I have received more that XXXX calls in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This complaint is about Portfolio Recovery Associates XXXX XXXX XXXX. XXXX VA XXXX. 

I have attached a bill for collection sent to my elderly mother. As you can see it is clearly a scam. My complaint stems from the fact that this company is still in operation even after having XXXX of complaints lodged against them. When I tried to contact them concerning this " debt '' there response was to hang up on me. 
XXXX times. XXXX I asked for their physical address. I only now just received it because I told them we were coming to pay the {$2700.00} debt they told my XXXX year old mother that she owed. It amazes me that we have not system in place to protect the vulnerable from these dredges of the earth. 
This is a false debt and these people are criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: GVA Holdings, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They found my number from somewhere, and they constantly call making threats that they will show up at my work on XXXX XXXX or at my home. This can not be legal. Then they state I have been notified and just hang up before I can even say anything. I am disputing and I told them that. Yet, they still call and make threats to show up at my work or home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding is trying to collect on a debit that had already reached the statue of limitations with XXXX XXXX Bank. Account was closed, marked as paid and then re-opened for around the same amount. With a new account number to continue collecting on a debit that they have almost tripled the original amount owed. It says that this is due to fall off my report as of XXXX but what is stopping them from doing this all over again and extending it another XXXX years?

Company response to consumer: Closed with explanation