BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This letter ( XXXX personal information ) was sent to Toyota Financial. I believe it properly outlines the issue. 
Agent, I 'm sorry to report that Toyota Financial is in violation of Federal Law regarding my purchase of a XXXX Silver Prius. 

In XXXX of XXXX, I contacted XXXX and advised that I must Voluntarily Surrender the aforementioned vehicle, as I 'd been XXXX mandated to stop working permanently and was, as of XXXX XXXX, XXXX, considered Permanently XXXX in the eyes of the Federal government. 

I advised XXXX that, without the paycheck I had in place upon purchase of the vehicle, I could no longer maintain payments as arrange, and would Surrender the Vehicle voluntarily. Working closely with XXXX and following directions exactly, I left the car and keys with a XXXX dealership. 

Not until XXXX, XXXX XXXX, when I tried to rent an apartment, did I discover that Toyota Financial falsely reported the Vehicle Surrender as a Repossession. My credit score had dropped from a typical mid-XXXX, where it stands, with Repo - a low XXXX. 

I called Toyota Financial on XXXX/XXXX/XXXX to inform an agent of the error, but was told by a woman who declined to giver her surname that " XXXX considers a Voluntary Surrender and a Repo the same thing ''. 

Because of Toyota Financial 's ignorance of Federal Law, - and only because of this carelessness, I am a homeless, XXXX person. Please refer to XXXX 's Violation ( the XXXX thus far identified ) : Subpart E of Regulation V, 12 C.F.R. SS 1022.42 ( a ), the implementing regulation of the Fair Credit Reporting Act, 15 U.S.C. SS 1681, et seq ( FCRA ). 

I demand that XXXX not only immediately correct its wholly preventable and previously-correctible error to the the major reporting agencies, but at once supply me with documentation of XXXX 's false reporting so that I may obtain shelter for myself in this, my Permanently XXXX status. 

Please be advised that Toyota Financial 's erroneous and probably deceptive action will very soon be reported to the Consumer Financial Protection Bureau on the Federal Level, to the State of California, and to the XXXX prominent credit reporting bureaus. 

I will remain homeless, because until Toyota Financial corrects its own ghastly and likely deliberate reporting. Please reach me as soon as you read this correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: FC HoldCo LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been contacted multiple times via Phone and email during work hours after instructing many times to not call me during business hours. I have been contacted from XXXX through XXXX by this company who has no regard when people are working. I no longer have the car, have advised more than once that the car has been traded in, only to be harassed via email and constant calls through out the day by this horrible business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous phone calls from Portfolio Recovery Associates over several weeks. I spoke to them once and found they are seeking payment for a credit card balance due. I have no such debt and told them so. They continue to call, but I do not answer. I know there is another person with the same name as me living nearby. I hope you can resolve this issue on my behalf as they did not listen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25
Company: CAVALRY INVESTMENTS, LLC
State: MO
Product: Credit card
Issue: Payoff process

Complaint:
i submitted a claim for XXXX XXXX with you all. They wrote me back kindly and said they sold my debt to Calvary. Well calvary wants to sue me. After XXXX XXXX heard why i fell behind and they were sending old bills to wrong address. they were compassionate and said they would forgive it but its now sold to calvary. calvary is now suing me without giving me any chance to explain why i fell behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was court ordered to have a wage garnishment in the amount of {$1600.00} for monies owed to an old apartment complex and it was to be paid through this US Collections West, with a court ordered interest rate of 4.25 % per annum. Per my employers payroll, I fulfilled this balance last paycheck and last week my manager received a phone call from XXXX XXXX who is handling my case at this agency and told her she was going to file an injunction against her and my employer as a whole for not sending them money. When my boss told her the balance was paid in full per payrolls records, XXXX continued to be rude and belittling to her, advising her there were still court fees and interest to be paid and that 's where the additional {$500.00} was coming from. When my manager asked her where she got that balance from because my interest accrued over 1 year would only be around {$75.00} and it had not even been a year since the judgment was entered, XXXX became even more rude and claimed they were charging interest monthly at 5.88 % on the balance owed. When my boss asked her to explain how this could be since the court order said it was interest accrued per annum, she had to hand the phone off to somebody else, a gentleman, who broke it all down for her. But it still did not add up. I have called the XXXX XXXX XXXX XXXX where my court case from last year was held, and they too are under the impression that my judgement would be met if I had paid the {$1600.00}. The collection agency should NOT have a different interest rate than the court document, and part of the {$500.00} balance included court fees ( per XXXX ) which the court stated I paid as part of my original balance. I have all the documentation of the fees, what was ordered to be paid and what was paid. What was included in the balance, etc. XXXX XXXX is RUDE, BELITTLING, and made me feel like a was the lowest piece of scum on the planet. I want to do whats right, but do not believe I owe them an additional $ XXXX I have all my court documents and proof that the court fees they are trying to charge me again were also included in the original balance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Resurgent Capital Services L.P.
State: TX
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:
Dear Sir/Madam : RE : XXXX XXXX XXXX i/n/o XXXX XXXX ; XXXX XXXX ; card # XXXX. 
At sometime in XXXX of this year the referenced credit card company closed my account for non-payment, which was partially due to my negligence and isnt relative. What is though is that XXXX placed the account for collection as # XXXX at {$1000.00} in my name. As per the collection concern LVNV LLP ( XXXX ), I owe {$400.00} and change, which I am willing to pay. Please assist me in changing this. 
My contact information is on my resume, and my email address is XXXX. 

Eagerly Awaiting Your XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Big Picture Loans, LLC
State: OK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was in a bind and took out a loan with CastlePayday.com, which is actually Red Rock Tribal lending. When I applied someone called me immediately and rushed me through the process of the loan. After reading some things about this company online i realized ... ..Oh no, i better go print my papers. I log into my account online and it reads loan amount {$800.00}, Finance Charge {$280.00}, pay off balance {$1000.00}. I print the contract and it says finance charge of {$6000.00} and annual percentage rate of 787.4136 %, total pay off {$6800.00}. HOW IN THE WORLD. So I immediately contact the company and revoke my ACH and they tell me that they will now remotely-create a check and send it to my bank for payment because i dont have the full {$1000.00} to pay on payday. I dont know what to do. The contract states that this is a tribal loan and i have basically given up all my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The billing office of XXXX XXXX, XXXX had not submitted any of my XX/XX/XXXX claims to my insurance company, though they accepted my health insurance, XXXX XXXX, all year long. " XXXX '' in billing stated she missed timely filing deadlines and ordered me to pay, or she would withhold medical services. I paid {$300.00} by check in XX/XX/XXXX, and on XXXX XXXX, XXXX I paid another {$180.00}, toward this debt on my XXXX card. They sent me to collections on XXXX/XXXX/XXXX ANYWAY, for {$610.00} at Healthcare Collections , LLC aka HCI, ( XXXX ) XXXX XXXX. I had 2 separate conversations directly with the doctor ( XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX and emailed him on XXXX/XXXX/XXXX, who admits XXXX balance, though I continue to receive rude, harassing calls from HCI on a daily basis from XXXX ( or 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 2016-08-12
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was told by the big picture loan that I would have to pay back {$540.00} for a loan of {$400.00} to this date of XXXX/XXXX/2016 I have made XXXX total payments of {$140.00} via automatic draft from my banking account Which equal up to {$560.00}. I have not been late or missed a payment. When I called today to question them about a letter I received from Big Picture Loans for another loan. I assumed my loan was paid in full. I also recieved a email from a XXXX stating that my application had been approved. I did not apply for a loan with them and I believe Big Picture Loans sold or gave out my personal information. I have already paid them more than I borrowed and more than what was stated to me would be my payback amount of {$540.00}. While I was on the phone with the rep she offered me a " courteously '' waive of charges if I gave them permission to withdraw {$400.00} from my account ... .THAT 'S {$940.00} that I would have paid for borrowing {$400.00}!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Big Picture Loans, LLC
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I accepted a loan from Castle Payday of {$1000.00} on XXXX XXXX. I was informed my XXXX payment would be due on XXXX XXXX, 2015. On XXXX XXXX, 2015 my personal bank account was debited {$500.00} for a service fee for CastlePayDay. I was not informed of such an absurdly large service fee on a {$1000.00} loan nor did I accept or authorize the service fee be deducted from my bank account. Had I been made aware of service fee that equals 50 % of the loan amount, or half the loan value, I would not have accepted the loan initially. I called the company asking 1. ) what {$500.00} fee was, 2. ) why is it so large 3. ) i was not informed of nor did I authorize the service fee be deducted from my account. I requested Castle Payday to reverse the transaction and credit my account back the {$500.00}. CastlePayDay refused my request. The charge to my personal banking account with XXXX was then overdrawn because of the unanticipated transaction by Castle Payday. I have filed a Statement of Unauthorized Electronic ACH Payment with XXXX Bank. Attached is additional supporting information. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$800.00}. I was not been informed of the 800 % interest rate on the loan. I was told there would be a {$280.00} finance charge/fee, not {$6800.00} in total payments. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. Since, they have withdrawn over {$1400.00} from my account and the amount is scheduled to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My daughter is suspected of this credit fraud. My question to this act is, a credit check should have caught this. Valid identification is required, yet this account was opened? Opened : XXXX XXXX 2016, amt. {$520.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE NEVER RECEIVED ANY FORM OF NOTIFICATION FROM THIS COLLECTION AGENCY AND NOT GIVEN DUE PROCESS TO DISPUTE WHAT THEY STATE THAT I OWE. I RECEIVED AN ALERT FROM THE CREDIT BUREAU EXPERIAN STATING AN ENTRY WAS REPORTED TO MY CREDIT REPORT. I CAME TO LEARN THAT THEY WERE TRYING TO COLLECT ON A XXXX ACCOUNT THAT I HAD DISCONNECTED IN XX/XX/XXXX. THEY ARE STATING THAT THE DEBT IS FROM XX/XX/XXXX. I STOPPED USING THEIR SERVICE BECAUSE THE TECHNICIAN COULD NOT FIX THE PROBLEM WHICH CAUSED ME TO HAVE NO SERVICE WHEN IT RAINED THAT WAS IN XX/XX/XXXX. THEY HAVE RE-AGED THIS DEBT AND HAS KNOCKED MY SCORE DOWN BY XXXX POINTS. THE COLLECTION AGENCY IS ENHANCED RECOVER COMPANY, LLC OUT OF FLORIDA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: TransferWise Ltd
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear wise.com is a wire transfer company. 
I tryed to send payment transfer and the company ( wise.com ) canceled the payment and charge my credit card with the amount of ( {$300.00} ), I asked my bank many times and they inform that wise.com never refund this payment to you. 


Please resolve this issue because I been waiting since more than ( 60 ) days to recieve this amount back to my account. 


Visa card end with ( XXXX ) Amount ( {$300.00} ) Date of payment : XX/XX/2021 Attached company reciept. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
During my time as an employee for XXXX, I was encouraged to open a Dealer or Concession line as my business contact number. I successfully opened an account and paid monthly according to my contract. Unfortunately that phone was stolen/lost by a fellow employee and I had documentation from XXXX to verify, it was ultimately reported as lost to the company and my superiors in a timely manner. I was told by my manager to open another line, as I would n't be eligible for employee discounts if I fully cancelled my original account for 3 to 6 months. I was instructed to use my social security number to open another type of employee discount account and did so without issue. I used this new account until I parted ways with the company. I was informed that all employee accounts would be terminated upon my leaving and that all devices had to be returned. I left my phone at my store location with my manager and called into employee care to verify the information he had given me, which they did. 

Nearly a year later I requested a credit check and saw that I had been sent to collections over a debt with XXXX. When I called in to see where the debt had originated I was bounced back and forth between XXXX and XXXX as neither said they could help me ; XXXX XXXX because I was a consumer, and XXXX because I had been an employee for the duration of my account. 

My current position allowed me to open an employee line with XXXX although they are NOT my employer, and I used this opportunity to begin a dialogue with someone who could possibly work on clearing up this debt from within the company. After weeks of telephone and email correspondence with the gentleman, I was offered the ability to pay off the debt and then be immediately reimbursed the money if I opened another account with XXXX. I felt immensely pressured to take the offer to save my credit but ultimately decided to pass, as I was n't comfortable being forced into signing another binding contract with the company to erase a debt that should never have occurred. 

Throughout the duration of this, going on two years, I have been called repeatedly by multiple Debt Collection Agencies each time the " debt '' is sold off to a new company. I 've been called at work, late in the evening, inappropriately early in the mornings, and now XXXX prompting me to submit a complaint XXXX a NEW company has begun calling my family members in other states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: Niagara Capital Recovery LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I would like to place a complaint the company or person called my place of employment from a restricted number ..spoke to my boss and told my boss they were going to take legal action and called family members saying they were going to get me fired. The name of the person is XXXX and there is a person named XXXX his extension is XXXX I was able to get their nbr by calling the restricted number its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
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:
The XXXX AZ, office management issues during name change and company being purchased ... drops the ball for tenants moving out during their remodel and company change. New office employees were managing the office and promised to complete my rental history request to my new landlord and accept this as my 60 day notice of move out. The office management staff after submitting the request failed processes my move out request. I made several attempts, after receiving my approval for my new location, returned to the office ( as they were remodeling advised me documents were boxed up and some documents at an alternate location. ) requesting my emailed or hard copy of my rental history document which would be used as my signed confirmation for my move out. The XXXX XXXX. even after me and my spouse completing our exit walk through has applied to my credit report a one month rental charge and additional fees alleging our notice was not submitted. The New Company is now called : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Navy Federal Credit Union closed my share account, credit card, and CDs without any notice. There were no late payments. My credit score is more than XXXX ; and there is no explanation of where the cash is. This occurred to the bed of my knowledge overnight. Again - without any notification. This will reflect negatively on my credit score as this credit card is XXXX of my longest standing cards.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Peter Roberts & Associates, Inc.
State: RI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I spoke with Peter Roberts & Associates today ( XXXX ) concerning a collection that is on my credit report and showing up five times for the same account. It is for XXXX XXXX, XXXX, RI and it is for the same service - these duplicate accounts need to be removed. I also spoke to them about XXXX other accounts I have which is fine. I requested that once these debts are completely paid, I wanted them removed from my credit report. I was told that the federal government is asking collection agencies to refrain from removing debt from people 's credit reports just so that they could have a history of the account. Can you please tell me if this is true? I spoke with another collection agency prior to calling Peter Roberts and was told that once I made my last payment, they would remove the dispute from my credit report. Can you please provide some guidance?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I have been applying for a refinance of my condo mortgage since XXXX/XXXX/16!! 
Mu mortgage holder is BB & T I have been approved for 4 weeks and continue to wait for results $ $ $ I have contacted every complaint Dept. available!! Please advise!!! 
my name is XXXX XXXX tel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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