BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-17
Company: Stuart-Lippman and 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:
Stuart Lippman located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX keeps contacting me regarding debt that is not mine, nor in my name. I have repeatedly asked them to stop phoning me and they continue to call. I have told them that it is illegal to continue to keeping bothering me about someone else and to please remove my number from their list. I was told they can continue to contact me even though I am not the person they are trying to reach.

Company response to consumer: Closed
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX  XXXX- {$25000.00}. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The companies above has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

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 2015-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since XXXX XXXX, 2015 I have been receiving periodically telephone calls from Portfolio Recovery Associates at XXXX XXXX XXXX, XXXX VA XXXX. On XXXX XXXX, 2015 at XXXX/PST I received the second phone call and spoke to XXXX in the Disputes Dept. She stated the person responsible for the credit card debt of {$500.00} lives in Florida, with caution I provided her with my last XXXX numbers of my Social Security Number. It did NOT match the credit card holder for this debt. She suggested I send them a disputes form online. I did not do so due to the personal information they were requesting. They obviously do not believe that I am not the person responsible for this debt. My name is a common name, they need to move on and stop harassing me with false accusations. Their standard telephone tactic is they will not identify themselves UNLESS the person answers confirms who they are. They also WILL NOT reveal information of the person responsible for the debt. Yet they INSIST on your information. How can you intelligently confirm you are not responsible for the debt if they do not cooperate. These calls have gone long enough and has violated my privacy rights as well as to continually harass me with false accusations. They have clearly violated the " Fair Debt Collections Practice Act ''. I want an end to these harassing calls and request your agency audit their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I traded my XXXX Toyota 4runner in on XXXX/XXXX/XXXX. The payoff check was cut on XXXX/XXXX/XXXX. My last statement shows that my next payment was due on XXXX/XXXX/XXXX. This check was clearly not 30 days past due which is what Toyota is reporting to the credit bureau. I contacted Toyota as soon as I realized that they had not posted the payment to my account. I was told this would not effect my credit report because they did in fact have the payment on time. I called the following 3 months and was told each time that my credit report would be fine as they did have the payment in hand. In XXXX I pulled my report and found they had reported a late payment. I mailed my dispute to the credit dispute research team who never contacted me back. When I called again to follow up I was told there was no one I could talk to, but they would send a note over letting them know that I had never received a letter regarding the investigation even though the investigation was closed and they had determined I was at fault. I have never in my life missed any payments and their representative had no further suggestions for me to be able to get this scar removed from my report. She simply said my payment was late and they were required to report it and that I need not go on and on about it. Given that the balance was paid in full on this account shortly after the " late '' payment I would think that a request to remove this late payment would be granted give then circumstances and evidence provided. I also contacted XXXX during the course of the confusion who also called Toyota and was told this would have no effect on my credit report. Shame on Toyota for your terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
To whom It may concern, I am writing to file a formal complaint against Toyota Financial and XXXX XXXX Dealership. In XXXX 2015 my family and I were the victims of predatory lending. We went to XXXX XXXX to find a family sized vehicle and unfortunately were told we had some negative equity that would make it nearly impossible to finance a vehicle. The salesman and sales manager insisted that if we went through their bank " Toyota Financial '' no matter the amount of negative equity, they would be able to push it through and make the deal work. At the time we were very vulnerable and the salespeople and managers at XXXX XXXX saw that and immediately took advantage of a young family and our situation. Since we leased the vehicle in XXXX 2015 we have been under a severe amount of stress trying to make the XXXX XXXX car payment each month. We have been late a few times but try our hardest not to be since we do want to maintain our decent credit. On XXXX separate occasions I contacted Toyota Financial AND XXXX XXXX to explain to them that I could no longer afford the vehicle. Toyota Financial explained to me that my only option would be to find someone that could take over the lease. This would be impossible to do considering the monthly payment. When I spoke with the dealership directly they were very frank, rude and defensive and told me if I brought the car back it would be marked on our credit as a repossession. I am writing you in one very last desperate attempt to get help as I have exhausted all other options. My family and I are victims of a monster sized companies Toyota Financial and XXXX XXXX preying on vulnerable families. I know for a fact we were victims of the following : Predatory Lending Over Excessive charges and Fees And a violation of the Truth and Lending Act I have gone to both parties and expressed my inability to continue to pay the high car payment each month and they have not given me any reasonable options. As a result of their refusal to help me I have no other choice but to file this formal complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: PA
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 request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX  - XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX  Balance {$250.00} Opened Date XX/XX/XXXX XXXX/XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX/XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$300.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was unable to receive my free credit report. I got an error message saying the site was temporarily down. When I went back to get my credit report, it stated I already had received my free credit report but I did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Credit report is showing I owe {$68.00} to XXXX ... this debt has been paid ... I challenged it through XXXX & they deleted it from my report ... I also called XXXX XXXX & they are not showing any such debt ... Please remove this negative information ... thank you XXXX XXXX ... XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been in dealings most recently with the Equifax Office of Executive Consumer Affairs, XXXX XXXX XXXX from XXXX XXXX - Today ( CURRENT AND ONGOING ). The extreme negligence being exhibited by her and her office as well as the Equifax Office of Consumer Affairs and their Fraud department violates so many laws of the FCRA. I have attached both a letter and a breakdown of all accounts that are currently wrongfully being reported on my credit file that I sent to them on XXXX XXXX, 2015. These wrongful acts range from either reinserting previously deleted information, their direct removal of accurately reporting accounts, and adding inaccurate personal information even though on a total of now ( 19 ) occasions they have been provided all necessary documentation to support my claims. XXXX XXXX XXXX is still actively working on my file and continues to wrongfully act on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
This company is claiming that I owe a debt, but I have never had a relationship with XXXX XXXX XXXX. They are illegally reporting XXXX incorrect accounts to Experian, and this is affecting me tremendously. I sent the first letter on XX/XX/22, and the second letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that both EXPERIAN and XXXX XXXX XXXX received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. This is violating so many FCRA and FDCPA requirements. Also, both Experian and XXXX XXXX XXXX are in violation of XXXX. I never gave consent to the original creditor to share any medical information. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent XXXX months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove these accounts immediately.

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 2022-11-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been filing for a XXXX XXXX assumption with PennyMac since XXXX of 2022. 
This has been a very frustrating transaction for both the buyer and the seller who are veterans and just want this loan to close. 
The mortgage officers in the assumption Department have completely disappeared on us numerous times, they have also repeatedly asked for the same documents over and over and then when we submit them they just disappeared on us again. No response to are phone calls or emails. We have reached out to management and filed several complaints. We are always promised to get a response but never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have requested the amount to payoff our mortgage from Seneca Servicing, I have sent them the required paper work 4 times now in over 2 weeks and copied myself as well and I get the attachment but they say they do n't get it so they will not give me the payoff amount. I do n't know what I can do to force them to admit they got the paper work and give me the payoff amount. Please help us as we are seniors and want this debt gone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-14
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TCF overdraft fees. I have accumulated tons of over draft fees due to one day all checks are posted and the next day they are pending. Also, A SMALL CHECK COMES IN FIRST AND SOMEHOW THE LARGER 2nd checks gets paid so an overdraft is charged on the 2nd smaller check. complaint to them do no good and each time there is a new explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-05
Company: Sentry Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received limited information from Sentry Credit XXXX Inc XXXX Under the fair debt Collection practices Act I demand full disclosure of information to validated the debt with specific documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Strategic Alliances, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First Financial Asset Mgmt Inc owes me Monterey relief for the damages and violations against me XXXX XXXX The Natural Person & Consumer .FFAM INC sent me a letter stating I owed a debt. In this letter was numerous violations that FFAM INC IS AWARE ABOUT! I have attached an affidavit of truth

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: ProCollect, Inc.
State: OK
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Company : ProCollect Pro-Collect purchased my account from XXXX ; however, XXXX falsely reported my account as XXXX ( XXXX ) accounts, not XXXX ( XXXX ). Original account has a closed status. 
XXXX XXXX XXXX, Customer Service Rep at ProCollect, verbally told me over the phone that the account was duplicated. ( XXXX contact information at ProCollect : XXXX phone XXXX ext. XXXX ). XXXX XXXX also told me that once I make settlement payment, the account AND duplicate would be deleted from my credit bureau records. 
XXXX account was deleted from XXXX ; however, the other XXXX major Credit Bureaus : XXXX and XXXX, still reflect an outstanding balance. 
Double reporting the same debt is in violation of my rights per the FCRA. 
I want the ProCollect items pertaining to the XXXX account deleted. This debt has been met and satisfied per the FCRA

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 2016-09-01
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TCF Bank had a check come in that overdrew my account, I spoke to TCF and I deposited cash funds the same day so that the check would be paid. Instead of paying the check TCF returned it and charged an overdraft fee of {$37.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2015-08-17
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
To whom this may concern, For my records, I would like to obtain all documents related to XXXX. This should include signature cards, paperwork, etc. I would like this information because I believe there may be an Electronic Funds Transfer error in relation to XXXX and as a consumer I have the right to dispute and review transfers such as these. 

All right reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: TMX Finance LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I Went To Pay On My Loan That I Borrowed From instaloan On XXXX/XXXX/2016 For My Car, When I Got Done Making A Payment On My Car The Vocher They Gave Me Said My Next Payment Would Be {$71.00} And The Balance Would Be {$870.00} But When I Went To Make That Payment On XXXX/XXXX/2016 They Said That Was Wrong And That My Balance Is {$960.00} And My Payment Is {$170.00} So I Think The Are Using Me To Get More Money Out Of Me, And I 'm Sure I 'm Not The Only XXXX They Doing This Too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX was the credit card provider for the debt of {$1400.00}. The cc was opened XX/XX/XXXX. I went delinquent on this loan of XX/XX/XXXX. The delinquency was due to lost of employment XX/XX/XXXX and also separation. XXXX XXXX sold off this loan to Portfolio XX/XX/XXXX making my debt start all over again. I dont believe that i should wait another 7 years eith Portfolio The debt collection agency said it will stay another 7 years on my credit bureaus. This has to be unfair.

Company response to consumer: Closed with explanation