BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Account Number : XXXX ( XXXX XXXX XXXX BANK {$440.00} ) Account Number : XXXX ( XXXX XXXX BANK XXXX XXXX. {$460.00} ) Account Number : XXXX ( XXXX BANK {$1800.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA. 

I have been more than fair and more than patient regarding this matter. This is my last attempt for you to make right regarding this collection that you wrongfully placed on my credit report. I have started the draft of my complaint to the CFPB with complaints for not notifying me of the collection you placed on my credit report, giving me the right to dispute this debt, not responding to my request ( FDCPA Section 809. Validation of debts 15 USC 1692g ), as well as the list of damages this has caused me personally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These XXXX keep calling from RANDOM phone numbers constantly. Sometimes it seems like different area codes as well. I think we have XXXX or XXXX different phone numbers for them so far. This is after we started keeping track. There have been dozens of hang up calls and calls from outside our area code with no messages left. 

I KEEP telling them they are NOT calling an individual but to the BUSINESS phone of a NON PROFIT ORGANIZATION. 
It appears they are to stupid to comprehend that simple English statement. 

They never state who they are, or the name of the person calling. If they do not hear a person answer they hang up and Voice mail messages from their numbers end up as " dead air '' and fill up our voice mail system sometimes preventing other legitimate callers from leaving messages. 

In an attempt to get more details of who THEY are, whenever i say that i am the person they are calling for, they tell me they are trying to collect a debt from a credit card, or other bill. The story seems to change each time. the dollar amount seems to change each time. 
I have not owned a credit card in possibly 10 years. Last vehicle was paid off about 10 years ago. 

With all of the internet scams out there, maybe these jokers are just professional scam artists? Hard to think otherwise knowing i have no credit cards or debt in 10 years. 

Any future contacts from them to us will be met with the most harsh and hostile reception possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I remitted a payment to payoff the balance of my car loan with Toyota Financial Services on XXXX XXXX, 2016. According to TFS, on XXXX XXXX, it was determined that my payment could not be processed. I received no notification from TFS that they had failed to process my loan payoff until a letter was sent to me on XXXX XXXX, 2016 ; in fact, I logged in to my online account portal several days after the date of my first attempt to pay off the loan to confirm that my account had been closed. The online dashboard indicated that my account had been paid in full and was closed. 

In the meantime, despite the fact that I was enrolled in automatic payments, had never previosuly missed a payment on the loan, and have good credit. TFS did not process my loan payments per the normal schedule for XXXX or XXXX. They did not inform me of this payment processing change until I received my next statement on XXXX XXXX, 2016. The statement indicated that TFS had imposed a late fee on the XXXX " missed '' payment, and confirmed over the phone that TFS had reported the " delinquency '' to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
THIS IS XXXX XXXX XXXX AGAIN.YOU KNOW ME.I WRITE A COMPLAINT ABOUT XXXX & XXXX ABOUT THERE HARASSMENTS.I 'M WRITE THIS FOR MY MOM SHE AS HEALTH ISSUES. WE ARE HAVE PROBLEM WITH PORTFOLIO CALLING AND HARASSING US THEY HAVE CALLED THE HOUSE 34 TIMES.MY MOM IS SICK OF IT.AND XXXX XXXX XXXX IS STILL CALL US ABOUT 7 TIMES WE ARE SICK OF THEM CALLING AND HARASSING US, AND SENDING LETTERS.I WISH THEY WELL STOP XXXX LEAVE XXXX ALONE. YOU CAN SEND THE INFORMATION ON MY MOM EMAIL ADDRESS.MY EMAIL IS NOT DOING RIGHT.THANK YOU.AND XXXX XXXX XXXX RINSING THE WAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Issue: Late fee

Complaint:
Comenity Bank, which is the issuer of the XXXX XXXX credit card charges more than 25 % interest rate while at the same time does n't offer their customers a way to autopay a bill. While every credit card that I hold has moved towards the autopay function for consumers to keep their accounts current, it appears that the bank is purposefully looking for ways to aggressively garner revenue from late fees and high interest rates. I 've requested on XXXX occasions since opening this card for an auto bill pay function, but this feedback has been met with the status quo.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I am a XXXX XXXX cardholder. With the merger with XXXX, XXXX offered me 30 % more points via an emial campaign if I converted my credit card airline miles over to XXXX points. I researched both airlines flight offers extensively. It was XXXX points or {$560.00} to get a round trip airline ticket from XXXX to XXXX on XXXX with my points. On XXXX, it was {$470.00} ( it did not give me a point option because i did not have enough points. ) Believing XXXX would give a fair and simliar value for my credit card rewards, I took advantage of the offer and converted all of my XXXX points to XXXX XXXX. XXXX XXXX is now charging me XXXX points for a round trip ticket from XXXX to XXXX. This is unacceptable, unfair and deceptive advertising practices and the XXXX XXXX credit card mileage conversion program should be investigated heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Citi Bank for the past year has charged my checking/Savings accounts a monthly fee when all accounts had a combined total that was higher than what Citi Bank stated for " FeeFree ''. Citi Bank did not return the money that they illegally took from my 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 2016-05-21
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I received an escrow letter from Caliber Home Loans stating that My mortgage payment was going to increase from {$620.00} to {$1500.00} on XX/XX/2016 due to an escrow shortage caused by an HOA assessment in the amount of {$340.00}. I immediately contacted Caliber and spoke to XXXX who advised me that a check was being sent every month in the amount of {$340.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Fl XXXX. I advised her that my association is XXXX XXXX at XXXX XXXX XXXX XXXX Fl XXXX and my association fees are paid by me every month they are not included in my mortgage and that there are no special assessments on my property. After numerous phone calls and XXXX XXXX, 2016 fast approaching and nothing being resolved on XXXX/XXXX/16 I was forced to seek legal counsel to have to resolved before my mortgage was in default due to not being able to make payments that were not correct through no fault of my own. I had to pay {$900.00} to attorney XXXX XXXX to ave this issue resolved on XXXX/XXXX/2016 XXXX XXXX sent a letter requesting this be resolved and fortunately at this point my mortgage payment has been corrected. I am still currently out {$900.00} in attorney fees that Caliber does not seem to want to reimburse me for. This was something that had they not erroneously mismanaged my escrow account or at minimum resolved the issued when they received my letter and documentation supporting my mortgage should not be going up because this was an error on their part I would not have had to pay {$900.00} to an attorney

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I did default on my XXXX XXXX and it was sent to collection in XXXX ... .which at that time the company under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX California did harass me over the phone and by text messages for about a year. I try several times to settle the matter with them by offering to make payments they refused stating it had to all at once. Since I did n't have that money and was failing financially it was not resolved. I did n't hear from this agency again until XXXX when my checking and saving accounts where completely emptied, that same day I received a Notice of XXXX that had transpired on XXXX XXXX, XXXX ... my moneys where removed on XXXX XXXX, XXXX. I also received a phone call from the case worker that same day, in which she laughed at me and stated " I finally got you. '' Since that day I assumed this debt was satisfied and I have never heard from them again. On Monday XXXX XXXX, XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX Washington for XXXX XXXX stating that I now owe them {$11000.00} and they are trying to collect now on a debt that is XXXX XXXX XXXX and I thought had be satisfied in XXXX. When I spoke to them on the phone they offered little to no information, other than the fact that there was no documentation in the file they had purchased from the original collection agency. My question to you is can they continue this action?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Ability Recovery Services, LLC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Ability Recovery Services agent XXXX XXXX was rude when spoke to me regarding a debt. I was not aware of the debt and asked her to indicate that as my response. She told me she would write " I refused to pay ''. I then asked her to speak to a supervisor and she told me she would not transfer me to a supervisor to tell them the same thing I told her. I attempted to call the company back in hopes of getting someone else but I kept getting her. Each time she would hang up on me. I have filed a complaint with the XXXX hoping to have them cease communication with me but they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed disputes on several different dates for Santander Consumer, XXXX, and XXXX XXXX  card. These items were removed once before and now they reappeared on my report. Items are incorrect and talked to XXXX and they stated they will be removed again. Now items are keep updating to the current date. Items should have been removed and they are bringing my scores down tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Financial Credit Network Inc
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 disputed with credit reporting company, but have not yet received a response. 
Financial Credit Network has reported on my credit report for a debt that I paid directly to the creditor. I had never heard of this company and when I saw this on my credit report I told them I paid the creditor directly and never heard from them. They claim to have sent me information ( to a wrong address ) and call me ( they did n't have my phone number correct either ). After I told them I was going to dispute and file complaints, I received a call a few hours later from them stating they could n't find my file on the credit report. I had to provide the woman with more information before she could find it. They refuse to remove themselves from my credit report even though 1 ) I have never owed them anything and 2 ) the debt they claim to have collected was paid directly to the creditor before ever hearing form Financial Credit Network. The only reason I heard from them was to call them to because they are tarnishing my credit report that I have been working diligently to keep clean and rebuild.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to all 3 credit bureau. Which it has been more than 60 days and I have not been notified or updated on all the incorrect information that has been reported on my credit report. I will file for litigation if the information is not corrected or removed. This is a violation and should be removed immediately. It is now XX/XX/2021 and still no updates or notifies or corrections

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 2016-04-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan servicing company, Ditech, undertook a process which is described on their voicemail system as a " system upgrade '' that was to run from " XXXX XXXX, 2016 through XXXX XXXX, 2016. During that time, they explained on the telephone and on their recorded messages that no account information would be available and they were sorry for the inconvenience. Also during that time, my re-finance escrow closed and full final payment was transferred to Ditech per their instructions. Today, XXXX XXXX, 2016 when I log on via the internet and call customer service they are still unable " to see any information about this account other than the balance '' which they are still showing as if it had not been paid off. The recorded information actually says that my monthly payment that would have been on XXXX XXXX, 2016 had I not paid this debt off, is due. WHAT?! Additionally, they can not tell me anything about my impound account which should have had over {$3600.00} for a property tax payment due on XXXX XXXX, 2016. They can not tell me anything - if the tax has been paid or if it is being refunded to me. Basically, for over 14 days, they continue to hold my money while they earn on it, no doubt, and using the excuse of a " system upgrade '' can not give me any information or refund me my own money?!! How much longer will they be allowed to hold other people 's money and provide NO information about customer 's accounts? My account number is 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 2021-03-23
Company: American Coradius International LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX account was hacked and I submitted a dispute for the charges with both XXXX and my banking institution. According to my bank and XXXX, the dispute was resolved and funds were returned to me. Now I'm receiving a letter from American Coradius International LLC stating I owe the same money that was returned to me. XXXX shows that my account was in good standing and was closed after the resolution of the dispute. I don't want this reported to my credit if XXXX says it's resolved on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Okay I got issued a American express serve card last year well about 6 months ago someone stole it out my purse. I called American Express and ordered a replacement card okay being I forgot my username and password and I didn't have my card 15 digits to retrieve it I couldnt update my mailing Info to change my address.so they mailed it to my old address I havent seen it yet.i called them and changed my address and still havent received my card I have XXXX on it from my stimulus check. I would really like to get my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: MI
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:
MADE PAY TO DELETE ARRANGEMENT WITH XXXX XXXX. ACCOUNT IS CLOSED AND PAID OFF. BURUEA DOES NOT UPDATE THE REPORT. LETTER IS NOTARIZED AND SENT CERTIFIED MAIL FOR COURT PROCEEDINGS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These credit accounts are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: VA
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:
I had several loans with the Department of Ed/XX/XX/XXXXI was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/XX/XX/XXXXand there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts 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 2021-03-23
Company: EQUIFAX, 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:
Someone stole my identity and used it to open bank accounts and credit cards this is so frustrating please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have received a few credit card applications in my XXXX year old 's name XX/XX/XXXX, what do I do? My purse was stolen from my vehicle XXXX including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting this debt to my credit to which i do not owe .I have contacted them to tell them that I never had an account with paypal and they refused to remove the account from all three credit bureaus. This is in violation of the FCRA is williful as they have not provided me any documents.

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