BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Firstmark services reported to XXXX 60-89 days past due on a private student loan while I am enrolled full time at a University. They had failed to check the student loan data clearinghouse regarding processing automatic in school deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Certified mail was received on XX/XX/2022 requesting validation of the debt. They responded with statements instead of the signed document. This has happened twice now a bill is not valadation of debt. XXXX XXXX and midland credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Got a call and voicemail from XXXX. No caller ID and asked me to call back XXXX and gave me a case #. Upon calling back they asked me to verify my address, SS # etc. I did not disclose any information and I asked what this was regarding. They said they needed to verify my case before they could give me any details. Then they asked about an old account/tradeline that was paid in full and closed in 2008 9 years ago. I told them this debt was paid in full and I no longer wish to speak with them. They were threatining to sue me and stated they sent an " official '' document to my address 45 days ago and because I did not respond with 30 days they are suing and I will be arrested immediately unless the debt is settled. I then explained the debt was paid 9 years ago and I am no longer interested in speaking with them about this matter. They hung up. I am concerned that I am a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling my work. I notified the original caller that I am not sure about if this debit is mine as I was going through a divorce at the time of the debt in question. I asked them to mail me information. I have not received information and I continue to get phone calls. I can not continue to receive call during my work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Portfolio Recovery continues to threaten me with legal action if I do not pay a debt that was written off by XXXX Bank and XXXX well over 10 years ago. They continue to insist on their right to report it as an unpaid debt on my credit report. 
They call me at work, and are verbally aggressive and discourteously harassing me, even when I tell them I can not talk at work. 
They refuse to send me documentation that proves the origination of the debt as well as their explanation for why they are allowed to collect on this debt that is well past the statute of limitations I do n't know what to do or how to stop them from call me. I have blocked their numbers on my phone, only to be called from yet another number. It 's quite distressing. 
The debts written off were from the economic recession when my husband and I had a XXXX business that failed. We lost everything including our home. Now, he has terminal XXXX and we are living off social security. I do n't want these people calling me for an old debt but they wo n't stop. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
A year ago XX/XX/2016 the car was in crash was totaled. The car place in impound by choice cause the body shops would n't take the car. My grand son did n't get ticketed and the car was n't impounded. This was told to Toyota financial and Toyota guaranteed auto protection claim dept # GAP XXXX to payoff the car. However, all Toyota did give permission without me knowing to XXXX XXXX XXXX the impound to buy the car themselves from Toyota as total loss vehical. As of XX/XX/2016 the Toyota GAP has n't payoff the car. I contacted them as usual they give me round around that the recovery department has to apply for the claim. They transfer me to recovery transfer me customer service and they did n't know why I was transfer to them. I do n't know what do about it at this point. Also the car had recall do to " Accelration '' malfunction and that was accident as well they wont do anything about that either and they do n't answer the letters either. I bought this car joint with my grand son XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i have repeatedly told portfolio recovery that this debt is not mine and have received numerous phone calls and letters and have requested copies of charge slips or original agreement with XXXX bank or XXXX XXXX bank which is supposed to be the original creditor, and as of this writing have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Genesis FS Card Services, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit card opened without my consent. The company wil not close the account fully unless I report it here. Company name indigo

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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 Act. The list of accounts below has VIOLATED my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. 
( 1 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 2 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 3 ) ( 3 ) XXXX XXXX XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 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 instruction.

15 U.S.C 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : * Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-18
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: Account status incorrect

Complaint:
My mortgage was with TD Bank. The loan matured on XX/XX/2022 with a balance due for deferred escrows, interest and other fees. I have been trying for weeks to get a payoff amount. I've gotten quotes anywhere from {$5700.00} to over {$16000.00}. On XX/XX/XXXX I went to the local branch and after two and a half hours the assistant branch manager received a quote, which I paid immediately. Then 4 days later TD Bank filed a report with credit agencies showing I was late on my payment and ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-14
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Other fee

Complaint:
I have a American Express XXXX XXXX XXXX which has a feature of upto {$100.00} Airline Fee Credit for incidental fees ( e.g., baggage fees, flight-change fees etc. ). It has been more than 3 months since I had used the card for the selected airline checked bag fees for {$50.00} and I have n't seen the credit yet on my account. I have called more their customer service m XXXX times and have been transferred from XXXX agent to another ( atleast 30 minutes call each time ) but no one is able to help me out yet. Once the agent promised that I will see the credit about 2 months ago, but I have n't seen the credit yet. The airline is disingenuous in promoting this benefit to the cardholders. I am currently in the process of moving to a XXXX and I will be responsible for paying this fees as I have to close my XXXX account. I want to write a formal request for AMEX to make this process transparent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-08
Company: National Credit Adjusters, LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This alleged account is reporting on my credit report ( s ). I am unaware of this account, and I did not receive any or telephone contact, in regards to this account. I have been residing at my current address since 2014, and I do not recall any letters being mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I filed a complaint about this directly with XXXX XXXX and received the below response. After the response the error was corrected however this weekend I notice that it was placed back on my credit report. Please find the original resolution below where the company ( XXXX XXXX ) stated that they will remove the reporting. 


STATUS The company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX Re : CFPB complaint # : XXXX Dear XXXX XXXX : Thank you for your service in the armed forces and for contacting us with your concerns regarding your credit account. We located the account to which you refer and confirmed the name on our account is associated with the name under which you submitted your complaint. We investigated your complaint and found the following : On XX/XX/XXXX, you opened a credit account with our store, XXXX XXXX, and subsequently financed multiple purchases. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) became the service provider for your account ; they took over reporting your account information to the credit bureaus from this point on. We have no record of a prior inquiry from you the regarding the matter. As part of our investigation, we contacted XXXX who stated the following : Your required minimum payments were due by the XXXX of each month. o They did not receive timely payments in both XXXX and XX/XX/XXXX, and reported the resulting delinquency to the credit bureaus, accordingly. Through XX/XX/XXXX, they received multiple electronic disputes from the credit bureaus, along with letters from you requesting a goodwill adjustment to your credit file, to which they investigated and timely responded. o Regarding your letters ( none of which mentioned a natural disaster situation ), they explained they were unable to accommodate your request as the information they were reporting was accurate and this is against company policy. o However, in response to your complaint, as a customer service due to the situation, they sent a request to the credit bureaus to remove the above delinquency, as requested. o Please allow 30 to 60 days for the update to be reflected on your credit file. Thank you for your long-standing patronage of our company. We are sorry to learn of the difficult situation noted in your complaint but hope the above information clarifies this matter. Sincerely, XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
ALLY FINANCIAL continues to call my husband and his employer after being told his work hours XXXX and that his employer does n't allow calls to the office. We XXXX have requested my cell number to be placed as the first form of contact because I work in a office and have a little more freedom to answer phone calls, yet they rarely call me. We have requested not to be contacted on Sunday 's as we attend Church and family gatherings, yet they will call multiple times a day. When you set a promise to pay they still call EVERYDAY until the payment is made, and even before verifying the payment was made they still call afterwards. The harassment has been expressed to manager 's there more than one time and they still continue to call. I now have to put this all in writing so that I 've made all possible attempts to make it clear when are the best times, and who to call.

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 2016-01-25
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
A company called XXXX used my prepaid card to charge my account, they where not authorized to use the card. I called American Express Bluebird cards who refused to do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-09-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I was involved on an online dating site scam, which I deposited {$33000.00}. into XXXX accts thru Wells Fargo.The accts were XXXX XXXX XXXX XXXX. Acct. # XXXX Routing # XXXX -XXXX and XXXX XXXX XXXX, Acct. # XXXX Routing # XXXX XXXX. 
XXXX XXXX XXXX ( was the person, fictious person ) Through the police dept ( which is still working on the case ) told me that those XXXX accts were involved with money laundering, exporting cars to XXXX. These types of people need to be arrested and Charged and to pay monies back. I can almost guarantee that I am not the only person this has happened by these people. It is very sad that rings of this nature get by, with stealing monies from innocent people, as myself, who has worked all my life, to get where I am at, and to get scammed by dirt bag people. 
On XX/XX/XXXX16, I went to WF and told them, that I got scammed, and they told me they were able to locate accts and monies were in accts put a HOLD on that MONEY. I was dealing with XXXX XXXX, ( branch manager ) at WF at XXXX XXXX XXXX, XXXX, XXXX XXXX. She told me at that point that they were going to get ALL my MONIES back. 
After dealing with her for a couple of wks and sending police report to corp. it didnt look good, but they were trying to get SOME money back. Why Why, would a branch manager tell me, they were going to get the money, when they had no intentions of doing so. Through many oganizations that I have contacted, I have asked, for information, of what protocol they followed and step by step of what they did to get my monies back, never received anything, except, I should follow up with authories. On XX/XX/XXXX16, XXXX administrative assistant called me to inform me that XXXX was to call next day to give me more info, never heard from her. I called XXXX twice to say I was very dissappointed because I never received a call, nor did I hear back from XXXX .... Makes you really wondering, what kind of operation they are running. 
Which now leads me to believe that I through WF became a viticm of their scams, that they used on their customers, of stealing personal info, and making false credit cards and stealing millions of $ $ XXXX They have not proved anything to me. 
Which now after hearing about the crimes they have committed, stealing from their customers and making fake credit cards, I have reason to believe that they took my MONIES, that they soooo promised me, and used it for this purpose. They should be shut down as a company, but all they could do, was to say sorry, and pay a fine. REALLY????? 
I feel I became a viticm of WF fraudulant actions and improper practices. It was easy foe them to 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 2022-04-18
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an account for student loan o never signed a contract with XXXX and the school I went to was never accredited so it was pointless had to go to another school to get a real license I think once XXXX XXXX was sold the loan isn't my responsibility anymore and again the money I paid while in school where did it go because again I never got a license

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I received a letter from citi bank saying I was eligible for a credit card with 0 % for 21 months then 12.99 % after that. the invitation number was XXXX..it said i could apply on line for fast response, which i did. when i received my credit card in the mail, citi bank changed my interest rate to 22.99 %. i called citi bank and they said they would forward my complaint to the proper department and i would receive a response in about two weeks. i received the response from citi bank today in a letter dated XXXX/XXXX/15. they refused to give me the 12.99 % originally offered and accepted by me. I have not activated or used this credit card due to this issue. I consider this a bait and switch tactic that is unlawful. I want the credit card at the 12.99 % originally offered to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The company that purchased a collection debt from the credit card company mailed a notice to me with a post mark date of XX/XX/2021, giving me 30 days to respond to the notice to discuss my account. Before I had a chance to respond to them, they filed a lawsuit against me. The notice of the lawsuit was postmarked XX/XX/2021, only 15 days from the first notice that they sent to me, which is less than the 30 days given on the notice and I believe required by law. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX  due : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: GA
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation