BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio recovery has recently been involved in a class action lawsuit for using outdated statement of claim in Georgia Magistrate Courts. I was included in this class action suit per Portfolio Recovery sued me for an alleged debt that I disputed and did not owe. They settled this lawsuit to avoid litigation, but continues to report this debt on my credit reports It is listed on my XXXX credit report as an open account with {$850.00} owed, but is showing on my XXXX credit report as still open with only {$600.00} owed. I have not made any payments to this company towards this account per I have disputed it several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my current mortgage with TD Bank. I was not able to complete the process as the Appraiser for the bank under valued /depreciated my CO-OP unit. 
I believe that it was discriminatory and deliberately done. I spent a lot of time and effort trying to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CITIBANK, N.A.
State: FL
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:
Billing dispute timely filed for {$110.00}, date XX/XX/XXXX, merchant XXXX 's. On XX/XX/XXXX a letter was produced on Bloomingdale 's letterhead requesting additional information for a dispute filed over 60 days ago. Significant proof in the way of an email from the merchant claiming that the merchant " would like my address so that they can recover from our failure '' ( copy attached to this complaint ). Merchant was provided my address on XX/XX/XXXX, merchant never responded. I have a valid dispute.

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 monetary relief
Consumer complaint received 2018-06-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I deposited a {$100000.00} check to my Chase checking account from a family member. The amount was paid from the payor 's account on the next business day. 
Chase however put a hold on the deposit, and insisted that it must receive confirmation from the payor bank that the check had been paid. Chase is unwilling to confirm that Chase has received the funds. It appears that as a matter of policy, Chase puts a hold on ALL large deposits and waits until the very last day allowable under Regulation CC, the seventh business day ( in this case XX/XX/2018 ), to release the funds, even though Chase has and can ( but chooses not to ) confirm that it has received the funds from the payor bank. I believe this is an abuse by Chase of the discretion provided by regulators to banks under Regulation CC to put holds on large deposits. The purpose of the regulation is to prevent losses incurred by bad checks, not to provide banks with an opportunity to earn interest on deposits for a few extra days after good checks have already been paid. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: WA
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I mailed a request for validation to Portfolio Acceptance, LLC on XX/XX/XXXX. In my XX/XX/XXXX letter I specifically asked that Portfolio provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Portfolio responded by way of letter dated XX/XX/XXXX by simply providing a copy of an XXXX statement for the period of XX/XX/XXXX to XX/XX/XXXX showing an alleged balance of {$1400.00}. Portfolio again responded on XX/XX/XXXX by providing a summary of their electronic file stating an alleged balance of {$1800.00}, refusing to respond to my dispute due to their alleged prior response and requesting that I provide them with additional information. To date, I have not received ( i ) a calculation of how they arrived at the balance of this alleged debt, ( ii ) an explanation of how their claimed amount in excess of the alleged original balance is authorized by the agreement creating this debt or is permitted by law, ( iii ) nor have I received any documentation containing my signature that show I agreed to pay this amount. It is my belief that Portfolio has not conducted a reasonable investigation of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I got visa card sent that I didn't apply for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked ARS Account Resolution to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was charged off, not paid. This company, Portfolio Recovery Associates has been harassing me about debt from XXXX years ago, claiming I owe them nearly {$7000.00}. The card that the debt was on was charged off and I took the hit on my credit and worked through it. But the debt has dropped off and has been a non-existent debt since ... We are well beyond the Oklahoma Statue of Limitations. Yet the company has continued to harass me via phone and letters to try and collect this bogus debt. 

Many years ago, I did not know better and answered the phone. They threatened me and harassed, so I changed phones and then blocked their calls. I have been holding onto the last few years letters they send to back my the harassment claim. 

The amount they claim I owe is more then XXXX times what was owed and charged off years and years ago. 

Recently a woman in Missouri sued them and won a huge settlement. I just want them to stop and pay me for the time wasted, the harassment and the mental anguish this ordeal has caused. Looking online you find literally XXXX of others who say the same thing and yet this company is still in business. How is that even legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a customer of XXXX XXXX XXXX XXXX, I changed insurance companies and went to XXXX XXXX effective XX/XX/2020 Policy # XXXX. I called and notified XXXX of the change and that I would not be renewing my policy with them. They continued to enforce the policy under the COVID19 assistance program, which I did not need, nor did I ask for. After two months of this continued billing, they charged me {$430.00} for insurance coverage that I called and cancelled, did not request an extension nor did I need the insurance. 

XXXX has now sent the account to Credit Collection Services, XXXX XXXX XXXX, XXXX MA XXXX for collection and it has been added to my credit profile.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with LoanCare, I have yet to be able to contact them. They will not accept my loan number or social security number and therefore I can not get through their phone maze and have not received tax information for the past two years. I also need a paper statement for another transaction. I would very greatly like to try and refinance with another company but literally can not even get ahold of them for the basics, let alone that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband took a loan for me XX/XX/XXXX for a reliable vehicle XXXX Prius. He added me as a joint account holder, however due to his loss of job he filed bankruptcy XX/XX/XXXX he had to file bankruptcy on the account. I took over the payments for the vehicle but recently we were in an accident. The car was rear ended and deemed a total loss. The loan did not have GAP insurance included, there is a remaining balance of XXXX after payment from the insurance claim. I have called Toyota Financial on 5 occasions to discuss what would happen to the account because of the Total Loss, each time I called I would get a different scenario. On XXXX occasions I spoke with a representative in Total Loss Department who stated that I was no longer responsible for the balance due to my husband filing bankruptcy on the account in XX/XX/XXXX and that Toyota Financial would not be pursuing me for the balance due. On two other occasions I spoke with Total Loss Department employees again who stated I would be responsible and that they would be contacting me to make payment arrangements, once payment was received from insurance. After the initial conversations with representatives occurred that discussed my not having liability for the balance there were notes placed in the account to deter this information being communicated to me and Customer Service reps started to ask me the nature of the call prior to transferring me to the Total Loss Department. Toyota Financial is the financer and they are demanding full payment within 20 days from the date they received payment from the insurance. This request is unreasonable, and I did not agree to this. There has been not documentation or evidence presented to me showing that this is an agreed or allowable method in collecting payment. Thus far my payments have been timely so there is no reason for me not to continue paying on the balance of the loan. However, paying XXXX off is extremely unrealistic and is causing extreme financial hardship. I am requesting additional time to pay this balance in full, a structured payment agreement. This is not too uncommon in situations with total loss vehicles with balances due, Toyota Financial has not provided proof of any agreement showing where I accepted the terms of Total Loss payoff within 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reached out to the credit bureaus to remove the following inaccurate names listed below. No action has taken place. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Thank you : The items in dispute appear on my trans union credit report. Under collections they have two items listed from XXXX XXXX XXXX the collection agency for XX/XX/XXXX. I have had the same job for 25 years and use XX/XX/XXXX for my children. for this time period there were dozens of bills paid before and after these bills. As i have told them over and over THEY BILLED IT INCORRECTLY and therefore the insurance company wont pay the bill. 
This was totally their fault they waited to long and are Now fighting to have the bills paid But are being declined for untimely filing according to My insurance company XXXX XXXX. 

I have continually asked Trans union them to remove this from my credit report and asked XX/XX/XXXX and XX/XX/XXXX to remove it from collections but have had no success. This is costing me money at this point and Im hoping to get some relief from this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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:
Inquire or accounts I did not do

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 2016-08-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have two issues. First being that Toyota Financial Services for Car Loans has changed when you are able to make a payment. For example, if your due date falls on the weekend, you are no longer able to schedule your loan payment on the weekend. The payment has to be scheduled at some point during Monday through Friday. Otherwise, you are considered late, if the payment is made after your due date AND past the " grace period '' that they allow. The primary and I were never notified of this change. I feel that the non-notification and the change are deceptive, unfair, and pose a huge FCRA risk as the customer can be reported past due to the CRAs because of the lack of awarness that TFS failed to provide for the payment scheduling change. The second issue that I have is I was in XXXX over the last 4 weeks and needed to make my XXXX XXXX car payment. When I clicked on " make a payment '' I would receive an error message or it would time out. I tried this over a course of 7 days and on different devices ( iphones & ipods ). I understand that I could have scheduled the payment before leaving but I assumed, in the XXXX century that we are in, TFS 's site would be capable of handling my request from over seas. However, I learned thats not the case. Yes, I could have called TFS but it costs an arm and a leg to call and there is a XXXX hour difference. I had to ask a friend in the US to login and make a payment on my behalf. I should n't have to do this. I also feel that this is misleading and deceptive. A way for TFS to charge a customer a late fee and report them potentially past due to the CRAs. 

Sent from my iPhone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have given all supported documents pertaining my account that nothing was fraud on the account had the other party open and bank account and the company still will not release the funds it has been a lot of discrimination going on once I called the bank with other party account information the bank closed is account well a one individual requested it be close they have been giving me a hard time and I also filed a discrimination claim

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX student loans with Chase. The monthly payment was around {$500.00}. I made a lump sum payment on XXXX of the loans. I did not request that my monthly deduction/payment be reduced. Chase automatically reduced my monthly deduction/payment from my checking account without my consent and I ( and may be others ) are now having to bear a higher interest cost as a result. The servicer will not increase my amount back up without submitting a signed request. Seems unfair that the reduction in paying towards principal happens automatically but restoring it back to the higher amount so that more is paid against the principal is harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After reviewing all of my student loans online I realized that I never opened a private student loan with XXXX XXXX. All of my student loans are federal and have been consolidated. I only have private student loans with another bank and my dad was the cosigner but never through XXXX XXXX. I arranged payments for this account but after reviewing everything this is not my account. I feel I do not owe this bank because I never took out a private loan from them only federal. No payments have been made by me because I dispute the account but the collection agency continues to charge my bank account. I am going to file a complaint with my bank if the payment does not stop. I got confused because I have so many student loans but with XXXX XXXX I researched that all of the loans I applied for should be federal never private and are all consolidated at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: North Shore Agency, LLC
State: GA
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:
On XXXX XXXX, 2016, I received a collections notice regarding a subscription to XXXX. I recently contacted XXXX and informed them that I never applied for a membership or subscription to there magazine nor have I ever received any magazines from them. This payment due is not mine and I am not responsible for this membership.

Company response to consumer: Closed with explanation