BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Complaint is in regard to Portfolio Recovery Associates, on a credit card account for XXXX. XXXX account # XXXX, issuedthru XXXX XXXX XXXX. 
I have tried to call Portfolio Recovery, about a dozen calls in all, they flip your call from one rep to another, and / or disconnect the call. I have asked to speak to a supervisor, XXXX XXXX, to no avail. They send you to their PRA Resolution website which does not allow me to submit the complaint. 
I am enclosing XXXX pages of documentation. 
First XXXX pages are letter sent to me on XXXX/XXXX/XXXX along with refund check of {$160.00}. Amount of payment is incorrect according to paragraph XXXX of their letter, that states that the refund is in accordance with the consent order reached with CFPB, and that the refund amount covers payments made in the first 60 days. 
They keep telling me that the amount they sent was DETERMINED by CFPB, and refer me to you. 
XXXX XXXX and XXXX of my documents are copies of settlement agreement dated XXXX/XXXX/XXXX. First 2 payments scheduled are XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 
FIRST 2 PAYMENTS WERE MADE WITHIN 42 DAYS AFTER AGREEMENT MADE, BY PHONE. 
XXXX XXXX and XXXX of the attached documents are copies of XXXX XXXX XXXX statements that show that payments of {$160.00} were actually withdrawn fom my account electronically on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, for the benefit of payee Portfolio Recovery. 
SINCE THEY RECEIVED 2 PAYMENTS TOTALLING {$320.00} IN THE FIRST 42 DAYS FROM AGREEMENT / ARRANGEMENT MADE BY PHONE, I FEEL THAT I AM DUE ANOTHER {$160.00} REFUND CHECK, AS PER TERMS OF CONSENT ORDER. 
IN ADDITION, AS YOU CAN SEE ON XXXX/XXXX/XXXX LETTER SENT TO ME THEY HAVE FAILED TO LIST CONTACT PHONE NUMBER FOR CFPB, AND OR WEBSITE FOR CFPB, FOR FURTHER FOLLOW-UP. 

Please enforce the consent order terms to the fullest extent. If they are trying to XXXX me, they are doing it to others, as well. 

Thank you, in advance, XXXX XXXX ( XXXX ) XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Toyota financials had incorrectly reported XXXX late payments on my account. 

when i called they removed XXXX late paymeents, another XXXX payments are still showing as 30 days late and were never late by 30 days. 

i mailed and called XXXX times and still its not reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
keep getting odd numbers showing up on my WORK phone. When I look the numbers up on the internet, I find they are many different numbers for Portfolio Recovery. And I also see there are MANY complaints about this company. This is my WORK phone. My boss has even answered and told them it was illegal for them to bother anyone at work, and they still call, so I do n't answer. Any debt I have is being handled, so I do n't even want to talk to them, because from what I 've read on the web, these people take even answering the call to be some sort of admission of responsibility for the " debt ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted Portfolio Recovery Associates LLC on numerous occasions over the course of several years demanding they send me valid proof of the debt that it is mine, specifically by providing an application that bears my signature. They refuse to send anything except letters stating they will not provide anything to me. I then disputed with all credit bureaus. They did not provide any paperwork verifying the debt was mine but rather wrote a letter claiming the debt was valid. They are now refusing to communicate with me as they state I have not provided them with new information so they are under no obligation. It is obvious they do n't have any proof otherwise they would have sent it already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recover reps call like clock work every month and every month I tell them to stop calling me. They tell me they will NOT until I provide payment of the debt, even though I told them over and over that I will be filing bankruptcy. I block the number they call from and then it 's a new phone number they call from the next month and then they start all over again. They always tell me they will not stop calling until I pay even though I tell them I am reporting them for harassing me. I have filed reports in the past to Do not call.gov but nothing ever happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02
Company: Ashfield Management Services Inc,
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They are contacting me outside of approved hours. Calling me at XXXX. Called and informed of this issue and still threatened that I 've been served. Over phone and on voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: FL
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:
I am submitting this information on my behalf because Experian has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).

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 2016-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, 2014 we obtained a mortgage loan from Capital One 360 Mortgage Co. One of the account holders is prohibited from accessing any monthly loan statements or other statement whatsoever. The loan is in the joint name of a husband and wife. When attempting to access statements the wife has been refused access to any statement and was told that only the husband may access statements and that he has to have a separate sign in and access code. The wife is the person who initially obtained the loan and handles payments and maintenance of the account. 
Capital One is practicing blatant discrimination against the wife, requires separate access to the account by each mortgagor, and all contact with customer service agents and corporate officers has not resolved the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Alliance One contacted me about a fraudulent and fabricated debt that was 15-years-old. The matter was fully adjudicated in 2003. Alliance One is fraudulently attempting to collect a debt that should have never existed to begin with because the original matter was fabricated. It was in fact fully paid as documented with legal court receipts, and as a result the matter was fully dismissed, discharged and closed through court-ordered adjudication. They have currently suspended my license illegally. Now I have suffered loss of income, traffic tickets, and even XXXX. 
Even worse, even if the fraudulent debt were valid, the debt is time-barred, through the statute-of-limitations. Further still, the Alliance One representative repeatedly lied about where they were located, what their first and last name was, and even the telephone number from where they were calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX of XXXX Porfolio Recovery Associates called me Attempting to collect a debt. While on the phone I spoke to XXXX XXXX who informed me that on XXXX XXXX,XXXX.I supposedly made a payment of {$100.00}. I proceeded to hang up. I did some investigating of my own and found out that my Account went into delinquency on XXXX XXXX of XXXX. I am only XXXX I only have had XXXX bank accounts so far XXXX and XXXX XXXX. I called XXXX and they said my bank account closed XXXX XXXX XXXX therefore there is no way I could have made a payment on XXXX XXXX of XXXX if my account closed on XXXX I also called my current bank XXXX XXXX and they said they have no transaction of {$100.00} on XXXX XXXX of XXXX. Porfolio Recovery Associates made a false payment on my account so that they could contact me because they knew that without that false payment being on file they would have violated my statute of limitations. I want to file a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Nationwide Biweekly Administration, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationwide Biweekly, whom you already have a lawsuit against, stopped paying my mortgage without reasonable notice. They did not take money for the mortgage payment without returning it, and paid the mortgage until XXXX 2015,. They sent me the check for the XXXX payment when they said the bank did not process the check they sent them, but I was unable to reach anyone at that time to find out why they sent me the check. I received a notice from the bank who has my mortgage at the end of XXXX, advising me that I had not made the XXXX payment, and that late charges were being added. After a couple of attempts, I was finally able to talk to someone at XXXX, who said that they had suspended all accounts because they had lost their relationship with their banks. ( They blame you!! ) I asked if they were going to refund my fees, since I did not ask that they stop and was not informed that they were stopping. They said no. They clam to have tried to email us, but the email address they said they used has not been valid for years. They should have received a failure notification regarding the email. They did not call the phone number on file, which we still have, or send a mailed notification to the address on file, which we still live at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I reviewed my credit report and noticed the following issues. XXXX XXXX  - Account number : XXXX This account has many errors/inaccuracies. 

High credit is not accurate - account is being reported inconsistently across all three bureaus. 

Date opened is not accurate - account is being reported inconsistently across all three bureaus. 

Date last active is not accurate - account is being reported inconsistently across all three bureaus. 

Payment status is not accurate - account is being reported inconsistently across all three bureaus. 

Payment history is not accurate - account is being reported inconsistently across all three bureaus. 

I sent a letter on XX/XX/2022 and requested that they removed this account from my credit report due to FCRA violation and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: WELLS FARGO & COMPANY
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I currently have a loan for furniture through Wells Fargo. How do I find out if a false account has been opened under my name?

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 2016-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. 
Name of Company Date of Inquiry Type of Business XXXX XXXX. XXXX/XXXX/XXXX Automotive COMPASS BK I. XXXX/XXXX/XXXX Banking XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record 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 explanation
Consumer complaint received 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed an item that Transunion had previously deleted from my account. I had a joint loan with my former husband initiated in XXXX on the property of XXXX XXXX XXXX, XXXX, MD XXXX. I went through a contested divorce and filed Chapter XXXX bankruptcy in XXXX. The loan was listed in the bankruptcy. It was XXXX mortgage. I was discharged on XXXX XXXX, XXXX. Case number XXXX. The mortgage was sold to XXXX XXXX XXXX. I disputed it with Transunion, number XXXX. By notice dated XXXX/XXXX/XXXX the item entitled " XXXX XXXX XXXX XXXX LP '' was deleted from my account. It is now back under the title of " XXXX '' I again disputed the account and Transunion sent me a notice dated XXXX/XXXX/XXXX # XXXX saying the account was verified, no change. I sent documentation to show I do not owe this loan. It is now impairing my credit and I can not qualify to purchase a place for my elderly mother to live. Obviously no one really investigated and paid no attention to the inception date or my discharge date.

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 2022-05-30
Company: Self Financial 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Account Discovery Systems, LLC
State: ME
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:
This complaint is in regards to the XXXX XXXX, 2015 phone call the credit collection agency Account Discovery Systems ( ADS ), XXXX. XXXX XXXX, XXXX, XXXX XXXX by the name of XXXX ( XXXX ) XXXX made to an third party regarding my account they are collecting on. The original XXXX is XXXX, and original creditor account number being XXXX. 

I made an agreement with ADS XXXX XXXX to make payment of {$370.00} per month on this account. Since then, I have never been late or missed a payment. 

On XXXX XXXX XXXX from ADS placed a call to a third party in an attempt to get ahold of me to offer a settlement agreement. I received a text message from the person he called explaining XXXX from ( XXXX ) XXXX was looking for me. 

The voice mail message to the recipient identified my name. The number was viewed on caller ID by the recipient who went ahead and called the number to see who it was. The recipient was able to use caller ID to call the number ADS left on their caller ID identifying the call was from Account Discovery Systems and was an attempt to collect a debt under my name. Now that the recipient had my name, phone number and the reason for the call, they then proceeded to send me a text message informing me the debt collector Account Discovery Systems is looking for you. I called the number the recipient left for me and it identified ADS was placing the call and it was for the collection of a debt. 

After the text, I called the number the recipient text and asked for XXXX and inquired why he was calling a third party regarding my account. XXXX said that he called the number he had on file for my daughter and the reason for the call was because they could n't get ahold of me to offer a settlement on the account. 

My complaint regarding what I just described is Account Discovery Systems had no known right under the law to investigate my personal information in an attempt to contact me just to ask me for a settlement on a debt I am already paying as agreed on. Further, Account Discovery Systems has a valid address and phone number for me on file and could have made the offer to me directly. 

I request the Consumer Financial Bureau to investigate and provide me with any remedies available under the law regarding any potential violations of the law regarding ADS 's unnecessary call to the third party only to offer me a settlement agreement on an account that is being paid on time and as agreed, which in turn is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I see that there is an incorrect address that is reported on my TransUnion credit report. Please let me know what I can do about this so that it will not affect my credit score in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I pulled my credit report recently and I noticed that I had several inquires on my credit that were inaccurate or unknown to me then all of my health information was on my report I didnt give authorization to share with anyone about my state of health. I have multiple name spellings and several unknown or inaccurate addresses that I will list in the notes and it will be highlighted to what are error. 
hospital I did not give permission to share my health information that is illegal by law nationwide recovery ability recovery assetcare llc then I have accounts that are in positive standing reporting negative or closed which is completely inaccurate XXXX XXXX XXXX XXXX XXXX is paid and closed yet reporting negative and one is my current loan that is upto date XXXX XXXX XXXX ( 2 ) which are in good standing multiple hard inquires that are on there I have never done business with nor applied with there service and XXXX wont release my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I previously disputed several inquiries with TransUnion and never heard back on the following results, it has been several months already : - XXXX XX/XX/XXXX : Not my inquiry, resulted from identity theft - XXXX XX/XX/XXXX : Not my inquiry : company states a company applied for a merchant account. I am not a company nor have I ever owned a company. 

- XXXX XX/XX/XXXX : Not my inquiry, resulted from identity theft - XXXX XX/XX/XXXX : Not my inquiry, XXXX sent me a letter stating they were n't able to find why they ran my credit and they are requesting I provide them with my social, I will not provide my social as this initial inquiry was a result of identity theft. 

- XXXX XX/XX/XXXX : Not my inquiry, XXXX sent me a letter stating they were n't able to find why they ran my credit and they are requesting I provide them with my social, I will not provide my social as this initial inquiry was a result of identity theft. 

- XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft

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