BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: CCS Financial Services, 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: Reporting company used your report improperly

Complaint:
Credit Collection Service for XXXX in the amount of {$74.00}. XXXX XXXX XXXX 2022. 

In accordance with the Fair Credit Reporting Act XXXX account XXXX has violated my rights. The HIPPA Law.

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is one of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the Portfolio Discovery disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

However, I did not receive a response. To give the organization more time to complete their inquiry, I waited 63 days for a response and when I did not receive one, I sent another letter on XX/XX/XXXX. To this date, I have not received a response. This company has failed to provide any documentation that shows I owned this account. It is obvious that they do not have the proof to do so. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
XXXX  has false information due to a report that I later found that is from fraud. I want this issue promptly resolved. The reported information is from TD Bank resulting in {$2200.00} and I also had a fraudulent charge from XXXX  XXXX XXXX resulting {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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 contacted Portfolio Recovery Associates on several occasions requesting that this debt either be validated or removed from all XXXX of my credit reports. Portfolio Recovery Associates has failed to provide me with adequate validation. They have yet to provide me with that they have been assigned to this debt by the original creditor or any original documentation from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I made a deposit of a check on XXXX XXXX of {$20000.00} from my business account to my personal account and my account has been placed on hold because of this transaction.

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 2020-12-31
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage VA refinance on XXXX XX/XX/2020 with Pentagon Federal Credit Union. I've been a customer for 40 years and have done several refinances. With this last refi, I have completed all paperwork and have been waiting for over a month trying to get a status on when my settlement will be ... should have been XXXX at the latest. I have not had any response from my numerous phone messages nor emails I have sent to my Loan Officer, XXXX XXXX, and my loan processor, XXXX XXXX. I have had NO RESPONSE from anyone. I've tried to call several times and get disconnected after a long process just to get to the correct department.

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 2016-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
They call from restricted numbers. My phone does not allow this. They call from many different numbers. They use this number to call me : XXXX. I have checked my credit report and no one has taken out a credit card in my name. I do not use credit cards. They primarily deal with credit card debt or old debts. I wish for them to desist and decease from further telephone contact until they can provide me with a debt validation letter proving that they now own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
In was looking over my report and I see you guys marked me as XX/XX/2021 on this According to the law SYNCB/Care Credit you are not suppose to do this. I entered in an agreement to settle this account under such duress during Covid. I even made an attempt to write a goodwill letter to address my concerns. 

In accordance with the Fair Credit Reporting Act XXXX SYNCB/Care Credit has violated my rights.

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experience between the consumer and the person making the report are not included in consumer report

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 2022-06-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # XXXX and XXXX XXXX XXXX, account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Nationwide Biweekly Administration, Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to complain that a very important and useful institution that I use may go out of business, and they say it is because the CFPB is interefering. For many years, Nationwide Biweekly Administration took my biweekly payments and transferred them to my mortgage company, which at one time was XXXX Mortgage. When XXXX Mortgage was not properly distributing my funds and I could not get them to respond to me, NBA aided me and the problem was resolved. XXXX has since gone of out business but NBA has been there all along to help. XXXX XXXX is from Ohio, as am I, and I supported him in his elections here, and worked with his own former staff when I was a XXXX at the XXXX XXXX XXXX of Ohio. I was very happy with his success in getting this position in the Obama administration, which I have also supported. However, I am very unhappy with this situation, NBA, located in XXXX, Ohio, has been a great help to people like me who which to have their loans serviced. This is a setback which I do not appreciate. Please consider what you have done in this regard and restore NBA 's ability to work for consumers like me. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Being a victim of Fraud and Identity theft. I recently pulled my credit report and the accounts being reported are inaccurate and I havent had these accounts. XXXX XXXX Bankruptcy. XXXX XXXX. 

HARD INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 {$520.00}

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: REGIONS FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My account with Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX is reporting wrong for the status on my credit report status shows repossession this recent have appear and Ive contact this company a lot of times and they said that they will update the information to the credit bureau and its has n't been update. The last person I spoke with stated they will correct the information I do n't have this vehicle and in the past the account showed charge off as the status not its showing repossession, they went and updated the payment history but at XXXX the payment show good payments but I do n't have the vehicle so they updated but my status shows repossession and it should n't this has cause my credit score to drop to XXXX from XXXX. XXXX XXXX the car was repo on XXXX XXXX the vehicle report charge on my account. Regions recently reported R again as in XXXX XXXX in XXXX XXXX I have proof of the incorrect information and the correct information. They are rude and no one wants to help nor understand my concern, If they are aware of a credit report they would understand but someone in the credit department do n't, they put special codes on my account so that any dispute I do would be deny. I will be contacting the XXXX with my concern. The account is close and its shows open on all XXXX of my credit reports. AWFUL

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 2015-05-06
Company: AFNI INC.
State: TX
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 closed my XXXX account a year ago, sent the equipment back, now a third party collector says that I owe over three hundred dollars for a back payment and early termination fee. When I closed the account, the rep from XXXX stated that with the return of the equipment that the account was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: REGIONS FINANCIAL CORPORATION
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Regions Bank had a public link that stated that by opening a XXXX XXXX Account and making a minimum number of debit transactions there would be a {$400.00} bonus. I submitted my application for this checking about along with the promotional code. My application was accepted, I funded my account, and ordered my debit card. It was only afterwards when corresponding with Regions customer service did I find out the offer had expired. It is not the premature expiration of this offer which concerns me ( the public offer had language that this public promotional code was good until XXXX/XXXX/2017 ), but the fact that at no point during the sign-up process did anything indicate that this offer was no longer valid. This is clearly a bait and switch, to the detriment of me being able to take advantage of other offers with them or other banks.

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 2015-12-07
Company: Diversified Consultants, Inc.
State: AL
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:
Placed account on crefit report for XXXX. I have contacted att to verify debt. I am a current customer and have XXXX debt with the company. The collection was placed on my XXXX and XXXX report. The company calls about XXXX times a day from multiple numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Google Compare Credit Cards Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I am no longer interested in you tube and I am trying to get XXXX to release my card information but they won't as of XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Southwest Credit Systems, L.P.
State: NC
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:
ALREADY ENTERED INTO A PAYMENT AGREEMENT hello, My name is XXXX XXXX and I am writing because I was recently made aware that you have submitted my name and address to the CRA 's in regards to a debit of : {$140.00}. I recently, about a month ago, contacted your company in regards to not having this item listed on my credit reports, and entered into an agreement to pay off the debt within 6 months with my credit card. Your company has since lied to me about this not being reported. I DEMAND that this entry be stricken from all the CRA records IMMEDIATELY or you can CANCEL the payment arrangement. If any payments hit my credit card, and you have not requested your trade-line removed from all XXXX agencies, I will report the payment as fraud! THIS IS NOTICE TO REMOVE THE TRADE-LINES OR CANCEL ANY AND ALL PAYMENT ARRANGEMENTS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize nor consent to the following inquires being furnished on my consumer report.

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 2022-11-06
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Hwarfield- Sunbelt account numbersXXXX, XXXX XXXX XXXX This company has been calling and harassing phone me all day and night after being told to stop. As a consumer my rights have been violated. 
12 CFR 1006.14 harassing, oppressive, or abusive conduct 12 CFR 1006.6 ( b ) ( 1 ) Communications in connection with debt collection I asked for Sunbelt to send me the consumer verification of this debt I the consumer haven't received any information about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: NJ
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:
To whom it may concern, I noticed on my credit report, a charge for {$39.00} from XXXX XXXX XXXX, without any notice. I never received any letters from XXXX or XXXX XXXX XXXX. 
I called the company offering to pay the balance right away and requested it to be removed from the credit beareus. I was told all I can do is pay and I would get a paid in full letter. Then, I can file a dispute but nothing would be guaranteed.

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 2015-09-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I actually have XXXX complaints about Toyota Financial Corp. 
The first is their calling practices. They will initiate collection calls well ahead of when the payment is actually late. They claim they are reminders, but they are clearly collection calls. The calls continue regardless of any arrangements made. Also, the caller ID never identify them as Toyota Financial. 

The second complaint against them is this : I had gotten a bit behind and asked them for an extension. With other finance companies, this has never been a problem. Toyota said I ca n't have one, fair enough I guess, but when I asked for a reason, and when I 'd be eligible for one they claimed that their company policy was to not give out that information. I 'm sorry, but " Because we said so '' is not an acceptable thing to say to a paying customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act and XXXX  Account # XXXX XXXX  XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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