BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
A debt collector from Portfolio Recovery at phone number XXXX XXXX XXXX XXXX called me on XX/XX/2015. The collector asked for me by name and I said yeah eventually. She then informed me that a had a debt for XXXX XXXX Back in the amount of {$500.00} dollars. I then asked her if she was going to verify if I was the correct person by Social Security number or Birthday and address and she just kept confirming my name. I then asked her if she was suppose to give me the mini Miranda by law since she just told me everything without verifying and she did not say it. I asked her if she was required to verify and give the mini Miranda and she ignored my question and kept confirming my name. I asked her to transfer me to a manager. The manager got on the phone and I informed him of what just happened. I asked him the same questions and he told me nothing but who I called and if I wanted to resolve the debt. I then asked him if he was a third party agency and he ignored my question. The manager did not verify or give me the mini Miranda. I then asked to speak to his manager. She came on the line and identified me by name she then immediately gave me the mini Miranda and I said. " so you do have to say it! '' I then told her about her other XXXX reps and she responded that they do not have to verify because they bought the debt from XXXX XXXX. Which still makes them third party. I am filing a complaint in reference to this call. I feel that if anyone would 've answered the phone and said they were me they would 've disclosed all of my information to a third party. I do not feel comfortable having my personal information in the office of Portfolio Recovery simply because of this call and the negligence of the procedures they have in place. This agency is in violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX, I sent in dispute letters to all 3 credit bureaus, only to receive 3 letters from XXXX, and XXXX on XX/XX/23, XX/XX/23, and XX/XX/23 advising they thought the dispute letters had not come from me, and the letter from them stated, they would not investigate my inaccuracies on my credit report, a clear violation of the FCRA. This is a continuing tactic of the credit bureaus, especially with XXXX and XXXX. I included a copy of my ID and proof of address with all the letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Experian Information Solutions 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 non-monetary relief
Consumer complaint received 2017-05-25
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent a total of three letters each to Experian,  XXXX , and  XXXX  that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One even goes so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it.  XXXX  removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.

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 2015-07-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX, I was involved in a motor vehicle accident with my XX/XX/XXXX XXXX XXXX financed through Toyota Motor Credit/Toyota Financial Services. They are was deemed a total loss and my insurance carrier, XXXX, paid off the remainder of the loan and the title was signed over to XXXX by Toyota. I also had gap insurance. On my credit report, I am showing a charge off for a balance of {$700.00} on XX/XX/XXXX and late flags for XXXX, XXXX, XXXX, and XXXX. When I contacted Toyota to dispute this and get more information, I was informed that my account was closed and they were unable to access my account or help me in any way. This leaves me unable to dispute this with them and I have no where else to turn. The resolution I would like to see is the charge off removed from my credit report and that of my husband 's ( the joint account holder ) and the late flags removed for XXXX, XXXX, XXXX and XXXX on my credit report as the loan was satisfied and the title was released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: TX
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 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 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 2022-03-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account : XXXX XXXX, has violated my rights. XXXX XXXX XXXX has not sent any documentation proving the debt or any signature proving how the account was opened. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. XXXX XXXX has also sold the account and reports a balance that is different from XXXX which is the company they sold the debt to, XXXX has various amounts and will not send documentation of a signature or how the account was opened, it has been past thirty days.

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 explanation
Consumer complaint received 2016-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
A company called Portfolio Recovery Associates LLC continues to call me even though I am on the do not call list. After several calls I finally spoke with a gentleman and he said they are trying to collect a debt back XX/XX/XXXX or XX/XX/XXXX. Not exactly sure. I informed him that if the calls did n't stop I would be contacting the Federal Trade Commision to file a complaint. He responded that I would have to send a certified letter stating I want the calls to stop. The calls did stop for about a week but they are back to calling again. I receive about one call, sometimes two a week from different numbers, the last number was just today from XXXX from XXXX Tn. The only way I can see them refraining from the continuous phone calls which are on my cell phone is to seek help from your company. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 am a victim of identity theft and has a current and recent police report on file with Chex Systems. The following Inquiries Viewed Only By Me currently on my Chex Systems XXXX Report ID : XXXX is an unauthorized and fraudulent inquiry : XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2022.

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 2016-04-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from XXXX XXXX XXXX saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint Toyota Financial Services, lexus Financial services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment. 
So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from XXXX XXXX XXXX for {$720.00}. Of course, they are not open during non business hours and I have a day job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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 XXXX is trying to collect a debt that I do not owe. If I ever owed it, it is beyond the statute of limitations in my home state. Additionally, they have begun to call my wife and told her that I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: WAKEFIELD & ASSOCIATES, INC.
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:
I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days. I require that these accounts be erased immediately ; otherwise, I will sue you for the stress you have given me. 

WAKEFIELD ( Original Creditor : XXXX XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received an offer for an AE gold card that if I spent {$1000.00} in 90 days I would get an AE gift card for {$250.00}. a few weeks later I received another offer from AE for a green card with the same offer. When I called in to open the account the person saw that I already had a gold card and asked why I wanted another account and I said because you are offering me another {$250.00} and he opened the account. I received the {$250.00} for the gold card but NOT for the green card! They said that I did not have enough points, that is NOT the way the letter offering the promotion or the person taking my application said to me. I spent the money they asked me to spend and now they are not honoring their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a car loan from Fifth Third Bank. It was to finance and purchase a car that my sister had leased. The leasing company applied and found the loan for me, I agreed to the loan, they sent me documents which arrived late, I signed and returned them. 

I was told by the leasing company that I would have a XXXX - XXXX month grace period from the date I signed the loan to begin payments. 

Fifth Third Bank started my due date something like XXXX weeks after they paid off the leasing company. 

I contacted them and asked my monthly due dates to reflect what I was told and for the late fee to be credited. I did this via the online chat portal. I also asked for the documents stating the loan terms and amortization table to be mailed to me. I believe this was on XX/XX/XXXX. As of today XX/XX/XXXX I have not received anything and no one has contacted me. 

Instead of the XXXX $ late fee being credited, I was charged XXXX $ twice. So my balance owed grew by XXXX XXXX 

Customer service is very unresponsive. I have contacted them numerous time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was recently informed that I had been placed in collections due to medical debt by the credit bureaus. I had no knowledge of this account or this debt, nor any communication from the debt collectors in attempt to collect a debt prior to this effecting my credit. When I called the company to inquire about the collection they addressed me by two incorrect names before asking me what my name was. When I asked what the medical debt was for, they couldnt give me any info due to HIPPA laws therefore I was unable to verify the accuracy of the ownnership of this account. They did however tell me the debt originated from a hospital visit. I just had a baby in XX/XX/XXXX, and had no prior balance due to the hospital at this time. I was told by Commonwealth financial the debt is from XX/XX/XXXX and was being reopened due to unsuccessful attempts from the previous debt collector. However if I had a precious debt owed to the hospital they would have informed me at the time I was pre-registering and I would have been asked to pay the debt or at least been made aware of it. I had to pay up front for my XXXX XXXX XXXX care as a cash paying patient, ( no medical insurance ) prior to me XXXX XXXX there I as part of the hospital and attending physicians policies. I do think it is unfortunate my credit was hit without any prior knowledge of debt, and before I was able to verify this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
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: Investigation took more than 30 days

Complaint:
sent hacking police report and ftc they wont fix my credit

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have alot of negatives items that I can't seem to get resolved there are all listed in the letter enclosed

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 2016-10-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
In XXXX I was XXXX and had to begin my rehab at the XXXX XXXX XXXX XXXX, XXXX XXXX, and Georgia XXXX of XXXX, GA. Prior to that I had a XXXX credit from which I was never later along with insurance coverage on the card if I was hospitalized or deceased. I was still making monthly payments prior before to the insurance company being notified of my health. When I was able to fill the paperwork the insurance company began my making my monthly payments. 

I was contacted by XXXX to verify my health and the information was provided by my Doctors from all that was handling my medical care, thereby relieving me of this debt annually until my health resumed. I was getting well be still under the doctors care, only to get XXXX XXXX XXXX and when I recover from that in had a XXXX, XXXX, XXXX, all in XXXX, XXXX, XXXX. I have been under doctor care at the VA XXXX XXXX and XXXX XXXX XXXX XXXX for the last 8 years and I am totally XXXX. 

I have despite this claim with XXXX from my credit report dated XXXX XXXX, XXXX confirmation # XXXX indicating that I never signed or open any financial credit card, loan, etc. account with Asset Acceptance Corporation nor have I any legal financial obligations with them. I stated this by letter to them in XXXX and filled out my dispute on my credit report XXXX, XXXX XXXX, an XXXX. According to my loan officer it only appears on XXXX. Asset Acceptance Corporation has continued to leave this fraudulent information on my credit report for years now and I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
CFPB helped reopen my case with my American Express Credit Cards last time. Now after agreeing that I paid the whole amount they will reopen my credit cards after 10 days it has been fully paid. It has been paid and they have not been calling me back to get this resolved and reopened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-17
Company: ENCORE CAPITAL GROUP 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:
On XX/XX/2016 I received communication from XXXX, XXXX, XXXX XXXX XXXX XXXX attorney office. The entity supposedly represents Midland Funding LLC Successor in Interest of XXXX account XXXX. I 've never been in communication with Midland Funding LLC nor received any correspondence that they have authority to collect any such debt from me. What I do know is that Midland Funding LLC is a debt buyer who purchase massive amounts of debt for pennies on the dollar. Then hire entities like XXXX, XXXX, XXXX XXXX XXXX XXXX to send debt notices and if the debtor does n't respond, this attorney office will file a judgement to garnish wages. Never providing proof of their authority to collect and if the debtor is time-based. 

On XX/XX/2016 I responded to the debt notice asking several questions in regards to who this attorney office was, if my debt was time-based and to show proof they own the account. They sent me several credit statements from various years but never answered my questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I reported on XXXX XXXX that an unauthorized atm withdrawal was made to my American Express Bluebird Account of {$160.00} as well as ATM fees. I spoke to a representative which then informed me that American Express Blue Bird customers have a 0 % Liability for Unauthorized ATM withdrawals and that she will assist me through the process to retrieve the money taken out of my account. She then informed me to fill out the proper paperwork that it will be emailed to me within XXXX hours. I filled the paperwork and sent it in and within XXXX hours I go to look into my account to print records to bring to the police and could not access my account. I then checked my email and received an email claiming my account has been suspended and that there investigation ( within XXXX hours ) came to a conclusion that it was n't Fraud. I called the number which said to contact to retrieve the paperwork that made them come to the decision and was transferred 4 times and put on hold for an hour to be told that the only information that can be given to me is that my account has now been closed. I am outraged that even with consumer XXXX % ATM liability an investigation took so quick and an outcome of closing my account without access to my deposited fund are now unavailable. Yesterday the representative for BlueBird insisted I leave the money in the account while the investigation proceeds and that they will do a thorough investigation which could take 45 days which I agreed. I was looking forward to finding out how the money was taken out in the first place. It took like I said before XXXX hours after sending in the paperwork to submit to fraud for them to investigate and then find out they restricted all access from my account. Once again leaving me with no way to inform the police let alone gain the necessary records for myself to settle this situation. I just would like everyone to know that American Express BlueBird is a scam and quote what I was told by a supervisor, " In the Terms which you agreed when you first used the card, American Express has the right to cancel your account at anytime. '' I went through the proper channels to try and fix the situation of money being stolen and American Express becomes the second crook of money being taken.

Company response to consumer: Closed with monetary relief