BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Why is this company leaving me multiple voicemails in early XXXX? I'm not even late for this month. This is HARASSMENT!!!!!!!

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 2020-03-24
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:
I sending a attachment with the list of the Identity theft on my personal information some one used and open credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
From the onset the purchase with Toyota Financial Services, we were given bad service. We were invited to purchase a vehicle through their Bankruptcy Program for people who just filed. We were offered a a few vehicles that were not worth the amount money that they were asking for. We were also told that we were denied credit by all other lenders except for Toyota Financial Services, unfortunately, we received a few weeks later from XXXX XXXX stating that we were approved but we did not respond. So currently, after struggling with payments but attempting to pay them, I was finally able to pay in full an amount tom bring my account current. i made a payment on the TFS website and received the message that the payment was received. My husband called Toyota to confirm a few days later and was told that the we were all set and our next payment is due at the end of the month. On XXXX XXXX, 2016, I called Toyota because I noticed that called and was informed that they did not see the payment and it did not post and is still due. My husband was offered to pay our usual monthly amount ( about {$400.00} XXXX, but my husband insisted that they get to bottom of why the payment was not made. The manager was put on the phone and we were met with aggression and disrespect. She treated us as if we were playing a game and not trying to fix out account issue. So we hung up and called the bank who Toyota insists is the cause of this issue. When we returned the call to Toyota to get more information, we were placed on the repossession list and I was informed that it was effectively immediately. We requested for XXXX to XXXX hours to figure this problem out and fix it, but they refused and we are now losing our car when I clearly tried to make a payment. Their customer service, both at XXXX Toyota in XXXX and on the telephone at Toyota Financial Services, has been by some, aggressive, confrontational, and not a good representative of what a good car service should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had a XXXX XXXX card that was stolen. I contacted the company because charges had been filed on my card. The company refused to investigate the charges b/c they were made by someone I knew. Regardless of if I knew them the card was stolen and the charges were not authorized. The company refuses to investigate signatures, charges or any details. They sent the debt to a 3rd party collector without resolving my complaint. They also continue to contact me about a debt they refused to investigate. I also discussed with the company paying the debt that I was responsible for in return that they remove the debt from my credit report however they refused. They want me to pay for fraudulent charges that I did not incur and that they fail to investigate because it will be costly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuous calls from multiple numbers, for a debt that is over 13 years old, have been told repeatedly to stop calling, as this was settled with XXXX several years ago, continue calling all hours of the day and night

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: Merchants' Credit Guide Company
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 XXXX XXXX have sent in disputes several times, to this company stating that I have been victim of identity theft, along with that I sent a ftc report to this company and, they have yet to remove this collections from credit report despite me sending in proper documentation That have yet to remove this from my credit report Dates I have send documentation disputing this XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 The name debt collections is Merchants credit guide Amount of the collection is {$460.00} Collections agency address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I HAD AN XXXX LEXUS FINANCED THRU LEXUS FINANCAL XXXX. IT BURNED UP ON WAY HOME AND XXXX PAID ALL BUT XXXX OFF. I HAD PURCHASED A GAP POLICY FROM XXXX TOYOA, WHEN I BOUGHT T IT WAS A U.W.C GAP POLICY OWNE D BY XXXX XXXX THAY REFUSED TO PAY CLAIM OR REFUNF MY MONEY FOR IT I PAID TO RESOLVE BALANCE. LEXUS TOYOTA FINANCIAL IS RUINING MY CREDIT WITH LATE PAYMENTS AND COLLECTION ACTIVITYS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For over two weeks ( today is XX/XX/XXXX ), my husband and I have been receiving phone calls, day and afternoon, and evening, from a company called Portfolio Recovery Associates. Sometimes, it is several times per day. They do not leave a message, or when we do pick up the phone, there is no one there -- it 's just dead space. I have called one of the numbers back ( this company has a lot of different numbers ), and I have gotten a person. This employee of Portfolio Recovery insisted on knowing my name, which I refused to give to her. WE HAVE EXCELLENT CREDIT RATINGS AND NO, NO, NO DEBTS IN ARREARS, EITHER NOW OR IN THE PAST. I told her this and demanded that our phone number ( a land line ) be taken off their list. ( I had called their number, XXXX, prefacing it with XXXX, so they would not see our names in their caller ID. ) She could NOT tell me my name, and I kept saying that several other people had had our new phone number ( before we obtained it, three months ago, XXXX. ) She said she would 'take your number out of our system. '' I said that if she did not, ourlawyer would be getting involved. I know that I will be getting more calls from these unethical people. I have read horror stories about this company and others, who harass people such as us who DO NOT HAVE ANY DEBTS IN ARREARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 violated my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 Section 604 A section 2.It Also stats a consumer reporting agency can not furnish a account without my written instructions Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2022-09-01
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/22 I was contacted by BC Services in regards to a Hospital Bill, the Rep offered that this will ruin/hurt my credit it I did not pay that day.

The NO SURPRISES ACT enacted by the House or Reps states that Hospitals have to offer the prices for services upfront. This did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
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:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine so please DELETE those accounts and the home addresses listed. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THE BELOW ACCOUNTS TO DELETE. 

I found several accounts where there are late payment history being reported which were never late, please AMEND those accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm writing this because I'm concerned that I am a repeated victim of identity theft as evidenced by my recent enrollment in Experian identity works compliment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also offered me a claim check acknowledging they were sorry to hear i was a victim of fraud and identity theft with them. all of them with a fraudulent hard inquiry and account on my credit report which has since been removed. I've also in the past been a victim to hard inquires by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  mt past emails from XXXX and XXXX have been hacked and stolen and shared and sold on the dark web though ii can't stop that i need to protect me self and shut those emails down and i don't know how to reach out to XXXX support.

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 2016-04-06
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have contacted FEDLOAN on numerous occasions regarding receiving a monthly payment reduction. I was told that it could not be done and then was given a slight deduction that was still above what I expressed that I could afford. I have tried to work with this servicer for 2 years to no avail but now receiving threats of default when I tried to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have requested via certified mail for this company to send me a document bearing my signature showing this debt is mine. I have no knowledge of this debt as it does not belong to me. To date, I have only received threatening letters stating they will sue me. This is violating my rights and is illegal. Cease and desist all communication with me. Furthermore, delete these inaccuracies off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-04-09
Company: FISERV INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Subject : Disputing Information in TRS I am writing to dispute the following information that TRS not Supplied to telling me about payment they did really recived from me. 


I have paid the debt {$27.00} on after XX/XX/2022. I lost, or TRS lost the confirmation. 

I am requesting that TRS provide me information, when I really did made a payment. TRS, rep won't provide me information. I believe they had confirmation payment recived, but the rep will not provide me the information, when I mention about XX/XX/2022. 

Therefore, here is what I have for now. 
TRS XX/XX/XXXX XXXX! Payment Entered on TRS Recovery Services! - ID XXXX Confirmation from transaction made {$27.00} What information do they have? For this. 


This is all what I have of confirmation about debt been paid. Please reinvestigate this matter. Provide me info about, when I did made payment to TRS back in XX/XX/2022 XXXX. 


Sincerely, XXXX XXXX : The copies, I did recieved was lost. 
I only, have email confirmation trs. 
Transaction history from my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: ResidentCollect, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
3 years ago I and my mother in law rented the apartment at XXXX XXXX in XXXX, IL. My mother in law 's health deteorated very much that after 2 weeks of living there she had to move and be closer to her doctors and hospitals. Plus she needed a 24 hr caretaker. We notified the office that we have to move and we ca n't afford to pay $ 1500 monthly rent for XXXX bedroom apartment. After 3 weeks of living there we were released of the lease because of a loss of co-resident due to illness. We returned the keys and apartment was checked and everything looked fine. I asked the manager XXXX 5 times to give me in writing that I do n't owe anything and she said do n't worry you do n't need anything in writing you are free to go. After 3 years has passed she send me to a collection for {$2100.00} without any notice. No phone call, no letter nothing. Yesterday I got the first letter from collection agency. She could have told me from the beginning that I will owe this amount, but no she lied to me. I tried contacting her regarding this and she was rude and incosiderate towards me telling me if I call XXXX more time she will report me for harrasement. Kept hanging up the phone on me. So now my credit score is XXXX points down and I ca n't apply for any credit or loan. By the way I found out I owe this by applying for the loan. I did n't know about this until last month when I applied for a loan and they denied me stating that this amount was posted in XXXX of 2016. I need this amount to be taken out of my credit report since is posted there wrongfully. Please help me and my mother in law XXXX XXXX to get cleared of this debt. Please find the attached copy of the lease and on the second page I highlighted the part where it says that we are released from the lease. Thank you so much. 
Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: MN
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, The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXXXXXX Account Number:XXXX***** Account Number:XXXX* Account NumberXXXX*** According to the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : 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 2019-11-29
Company: EQUIFAX, INC.
State: TN
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 am writing this due to non-compliance with the ( Equifax  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-25
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans gave me a courtesy call after the denied my last claim XXXX. The representative was very nice,, but had very little information regarding my case. After more than 40 minutes on the phone, she advised me that my escrow balance we incorrect because I did not make a payment in XXXX. I was also told that my escrow account was converted to a ancillary account. I went back to the office and researched my bank records, and I did find my XXXX payment which had cleared. I did call back Caliber Home loans the next day, after i was transferred to 3 different representatives and verified my billing address the same number of times, I spoke to a representative named XXXX, employee number XXXX. After 20 minutes on the phone, I was told that the XXXX payment was actually made and the previous person did not dig deep enough. 
I asked XXXX that Your monthly payment for Principal and Interest ( P & I ) is {$790.00}. You made a payment on XX/XX/2016 of {$1200.00}, with {$400.00} going to escrow and you made another payment of {$1200.00} on XX/XX/2016. You later made a payment of {$1500.00} on XX/XX/2016, with {$700.00} going to escrow and another payment of {$1500.00} on XX/XX/2016, with {$700.00} also going to escrow. Therefore, you believe four ( 4 ) payments, totaling {$2200.00}, should be deducted from your escrow balance. The past due escrow of {$8500.00}, less the {$2200.00} should leave {$6300.00}. 
I asked him how XXXX got their balance and he responded " That is just the way it is '' I was also told that I need to call the escrow department, that he did not have any numbers to help me, I told XXXX, that my account was switched to Ancillary and XXXX told me that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX of XXXX  I reached out to the CFPB for help with my credit card company Capital One. I explained that I have excellent credit, and in nearly 4 years they have not increased my credit limit once. I explained that after a good faith letter they would not remove 1 missed payment over 2 years old. A point worth mentioning, the one and only missed payment, in 4 years of credit history, and 16 revolving credit accounts. They sent a letter in response that the reason for the increase refusal was due to lack of using the credit card. They shut down my Kohls credit card, ( their sister credit card ) that was well established, knowing full well that would damage my credit score, with no notice! Today I am reaching out again because I recently used the credit card. For relatively small purchases totaling not more than {$300.00} Capital One has now restricted my card, which I can not use. Capital One has embarrassed me, when out dining by declining my card! I spoke with a representative that made XXXX cents, and difficult to even understand. I have told the CFPB previously that Capital One is discriminating against me for some reason. They deny me a credit increase for years, they refuse to remove the missed payment, they give a bogus reason for the increse denial, they shut down another card with no notice, and then when I do use the card they humiliate me with a decline. I know that I am not alone in their unscrupulous cherry picking of their clients. Please do something about the treatment I am receiving. I know these are violations under the Fair Credit Opportunity Act, please act.

Company response to consumer: Closed with explanation