BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-20
Company: Franklin Collection Service, 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 resulted from identity theft

Complaint:
I had internet service with XXXX XXXX XXXX that was discontinued and I returned their equipment. 
XXXX XXXX XXXX claimed that they did not receive it and was billed. 
I called XXXX XXXX XXXX and explained that I had returned the equipment and gave them the postal service 's routing #, when they received it, and by whom. 
The person with whom I spoke with assured us that the matter was resolved. 
However, apparently someone jumped the XXXX and turned over the case to the Franklin Collecting Agency. 
The agency called demanding payment. I explained that the matter had been resolved and that they should contact XXXX XXXX XXXX for verification. 
The lady that I spoke with told me that she did n't call to argue with me and demanded payment. 
I have been receiving harassing phone calls since then. I finally blocked their number. However, I still receive calls with a different #. To date, I have XXXX different blocked # 's bearing their name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX/XXXX changed online systems which made it difficult to log in and submit payment. My card number was not known because I lost the card during a move from the Pandemic, and calling the lender was impossible since their phones were always busy. Making payments became impossible since I was missing either the card number or their online account management changed, and they wouldnt answer my phone calls throughout XXXX and XXXX. 

Even though I have plenty of resources to pay, I watched the account become delinquent because they made it impossible for me to give them information in order to pay. There were no resources when I tried to reach out. 

Consequently, the account is negative on my credit report. Determined, I spent a whole day calling the Lender dozens of times and finally got through in order to get an agent to take care of this. They removed the charges and I paid the bill ( {$30.00} or something small ) which brought the account current. They admitted fault and gladly brought the account up to speed and removed all late charges or associated problems. 

Since they let me know this wasnt my fault, I disputed this mark on my XXXX  report which they removed it. Equifax and XXXX  have not removed it. 

XXXX  after filing a report said that they agreed with me, but the credit report looks the same, so Im confused. Equifax wont allow me to submit a report and asks me to call customer service. It seems like they are all trying to make it difficult on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
regarding account XXXX, which you claim unpaid such as I owe {$120.00} or my account was charged off {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I co-sign w/ my husband for a car loan in toyota motor credit on XX/XX/XXXX. The car was sold to XXXX on XXXX XXXX, and account was closed and PAID as agreed. Toyota report my car loan INACCURATELY coz they put in status account included in Bankruptcy. This account is a Reaffirm debt that was PAID as agreed. I wrote Toyota a letter to request that they delete the inaccurate reporting but they responded they will continue to report it included in bankruptcy even it was PAID OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX opened XX/XX/2020 is unrecognizable to me. I have never done business with either XXXX XXXX or 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 explanation
Consumer complaint received 2021-01-04
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS 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: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I AM AN XXXX - DID A LIQUIIDATION APPRAISAL FOR JP MORGAN CHASE BANK XX/XX/2016 - CAN NOT GET PAID NEED SOME HELP XXXX XXXX XXXX, NC XXXX APPRAISAL # XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: FL
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:
I have discussed these accounts several times and still have not received any answers, this has affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have formally requested by certified mail on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 that Portfolio Recovery Associates provide me with validation of the account they have listed under my social security number that they are reporting to the XXXX credit agencies pursuant to the Fair Debt Collection Practices Act. Due to the inaccuracies in these credit reports I have asked for a form of verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period it may have been payable. With all these request they have failed to provide me with any substantial validation which is a violation of the Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
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 resulted from identity theft

Complaint:
PORTFOLIO RECOVERY ASSOCIATES ACCOUNT NUMBERs : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Phone : XXXX Fax : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RECOVERY ASSOCIATESor any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RECOVERY ASSOCIATES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2017-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
My husband died in 2011 and his military pay had stopped coming in. And I had very limited income coming in. I had XXXX twice since his death. And they keep hounding me to pay this and I just do n't have the money to pay. I do n't think I should pay the price with my credit being ruined because of my husband passing away. They are also reporting several other credit cars to my credit file to. And double reporting for XXXX who is also reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Repeatedly calling a family members phone number even when payments are mailed to them. Not identifying themselves when they call my phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Criminals accessed my credit report to check me out and then fraudulently acquired a auto loan in my name # XXXX. I have complained heavily against XXXX XXXX XXXX XXXX but to no avail. The credit was not extended to me but to the criminals. XXXX XXXX XXXX XXXX  continually denied so I am proving the fraud since XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report. Transunion and XXXX  also have liability because they are refusing to acquire the permissible permission from XXXX XXXX XXXX XXXX, review the permission that does not exist, and then remove the negative listing from my report. XXXX  XXXX XXXX XXXX is relying upon an forged, undated, and incomplete application.

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 2016-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A verification of debt has not been provided by the company. I have disputed this directly with the credit bureaus as I am not aware of the debt. Additionally, the collection attempts they have been made by this company violate FDCPA they have left messages stating that I will be arrested in connection to the debt these are violations and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I recently disputed a very old account that showed up on my credit report. A collection agency apparently got my cell phone number from that dispute and began calling me regularly demanding payment for an old XXXX account. I told them that I was only interested in paying the debt if it would be completely removed from my credit report. The representative said they were not able to do that, so I asked that she designate my telephone number do not contact. She said that I would have to submit a do not contact request in writing, but she would not give me the address of the business she was calling from. They have continued to call my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX XXXX XXXX and they continued to give me a different money amount for my final settlement. I was never provided a signed copy of my judgement, signed by the judge, In addition, since I have paid off the final amount, they never sent me, after I called them many time, with a clearance letter. I dealt with XXXX XXXX and XXXX XXXX in their XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My husband and I both checked our credit reports, as we periodically do. There are several accounts on each of our reports, listing Portfolio Recovery for XXXX XXXX debts. We have never received anything, in writing, from XXXX XXXX or Portfolio Recovery. We have, however, received threatening voice mails from Portfolio Recovery, which we know is part of a possible scam. With all of the scams out there, we will not pay anything over the phone ; and certainly, nothing that is n't owed. We each did have XXXX XXXX accounts, years ago, which were charged off in bankruptcy. We have never received anything in writing, regarding anything owed to this Collection Agency. We only have discovered these on our credit reports. Proper debt collection practices and laws have not been followed. I know this agency purchases debt from creditors, but debts charged off in bankruptcy? VERY suspicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have received numerous calls from different numbers with callers identifying themselves as from " the litigation department '' of Portfolio Recovery Associates. Callers state that they are collecting on behalf of XXXX XXXX. Callers state that they have a XXXX time settlement offer to avoid further action which I have interpreted as a lawsuit since they are calling from the " litigation department ''. I have asked both verbally and in writing for proof of debt and I have been told that they have provided it. When I asked for date ( s ) or conveyance of how it was sent I am told I am stalling and I need to settle the debt. As of the time of complaint, I have received NO proof or verification of debt from Portfolio Recovery, only demands for payment. As of this date, Portfolio Recovery appears on all three of my credit reports. I have disputed this debt with the credit bureaus. In addition, there is no mention of any derogatory account from XXXX XXXX on any of my credit reports. I currently have XXXX active and open positive accounts from XXXX XXXX with no derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have multiple debts that I ca n't pay. On XXXX below poverty level. 
get 10-15 calls a day from many # 's Some have claimed to be from IRS ( checked # 's ) reported as scams from reverse look up. Now I do n't answer phone, in past I 've tried to explain my financial situation to no avail ... they keep calling, I ca n't pay. I 'm ill w/ multiple health issues. Takes every cent that I have to survive. If I could I 'd pay. Some debts are very old? Is there anything I can do to stop these calls? Please help. Have tried to block # 's, they just use different phones

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Amsher Collection Services, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AMSHER COLLECTION has damage my credit score I have no ideal who or what this company is, and I have no signed contract. They have on my credit report from all three credit bureaus that I owe them {$710.00}. I have no ideal who or what they do can you please help removing this unknown debt off my credit report. I have tried to dispute it on my own on XX/XX/2019. And my dispute reason was ownership and I have no knowledge of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Dear Sir or Madam : I am writting to you because on XXXX XXXX, 2015, I did received a letter from Portafolio Recovery Associates LLC., Sender is : XXXX XXXX XXXX XXXX XXXX , XXXX, XXXXIn this letter he or they is/are claiming that I have a debt and they do not disclose the name of the person or company making the claim. 
I certainly can submit proof that I never have incur in any debt, nor done or signed for any kind of loans or credit cards or buy something or used a service to pay later, since all my life I have used cash to pay for any product or service I wanted. 
I am a retired senior and I do not acknowledge any kind of debt. 
Please, I will greatly appreciate it if you please get in contact with me via letter or phone and let me know of how to respond to this kind of scam, because this is a fraudulent debt collector. This person or company is requesting that I contact them, but I have not done so, since I am afraid what tactics he or they may use in order to implicate me in their nasty claims. 
For your attention and prompt replay to this matter, many thanks in advance. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I paid {$500.00} to receive a XXXX yr forgiveness on a student loan. I was granted the forgiveness and a payment plan was established with the Federal government. To date, those payments are current. The loans that were supposedly forgiven ( school is defunct ) are now being garnished from my wages because a debt collector sent a letter to my employer stating that by law the money can still be collected. The collector stated a court order, however no court order was sent to my employer or myself. The order was issued by the collector. According to my credit report, the loans that were forgiven are listed as closed. These are now being garnished from my wages by the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation