BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-01-13
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert on XX/XX/2020 on my credit monitoring service from XXXX, that Amsher collection service place an action on my credit reports for an unpaid debt without contacting me and providing notice to potentially pay the debt. I have never received an email, phone call, or written communication from them. As a result this, has negatively affected my credit. I am asking that this be removed from my credit immediately and without hesitation. The last four of my SSN is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
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 RC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : 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 RC or any company associate with this account # 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 ( FCRA ). 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 RC 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: U.S. BANCORP
State: SC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX and XX/XX/XXXX US BANK XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX  XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2015-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio Recovery Service Inc. LLCcontacted my wife who is not the main person that owes the debt and divulged to her that I had an outstanding cell phone bill that needed to be resolved. 
Attempted to collect debts that are well beyond the relevant statute of limitations. 
Refused to provide proof of the debt when requested to do so, and continuing collection efforts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I do not know who these people are trying to collect a debt, if I owed this money they would have sued in a court of law in which they have not done..i do n't owe these people money and I dispute those charges they say I owe.take this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Re : Letter to Remove Inaccurate Credit Information/ Late Payments To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { Fifth Third Bank, NA XXXX Late Payment 30/60 days } By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Dates to be investigated : XXXX XXXX, XXXX XXXX, XXXX + Reason= The creditor advised I did not make my first payment on time. However, I was advised the payment was received. I asked the creditor for a letter in reference and I've been told multiple times the letter would be sent. Multiple calls were made ; I was advised the representative does not have access to the portal and was unable to send a letter. This has caused a " domino affect '' on my credit report in regards to accurate payment history being reported on my credit report. 

Thank you for your XXXX and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
When the lease agreement with Toyota Motor Co. ended XXXX XXXX, XXXX, I chose to purchase the XXXX XXXX XXXX, & TMC received payment from XXXX XXXX XXXX by or before the XXXX date. As of today ( XXXX/XXXX/XXXX ) Title for the vehicle, naming XXXX as lien holder, has not been received. As a result, when the registration expired in XXXX. I was unable to register the vehicle, so I am unable to drive my car. XXXX was, and is still, expecting to see the Title & has been co-operative, so far, while payments to them have been timely. Numerous contacts to TMC, beginning early XXXX, have been made, & each time I have followed the advice of the representative & in return, advised them of the pending registration end date. A lien release was sent to XXXX, KS XXXX XXXX. XXXX KS DMV has joined in contacting TMC regarding need for Title-not a lien release. I was informed on my last inquiry ( XXXX ) that the title had been sent to both the DMV in XXXX, KS & to me at the home address on XXXX XXXX. Neither I nor DMV have received the much needed Title. When I asked if TMC had overnighted the Title, I was told it went out in the regular mail. I also requested, during that same phone contact, a written explanation & apology from TMC-not received-no surprise! XXXX holiday may have caused some delay, but almost 2 weeks-unacceptable! When I phone TMC today, I will tell them I have filed this complaint in the hope that CFPB can get resolution to this frustrating & unnecessary delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2016-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Rewards

Complaint:
I applied for the XXXX Mileage Plan credit card that offered XXXX XXXX XXXX bonus miles on XXXX/XXXX/16 and was instantly approved on line. Several weeks afterwards, I received a call by a representative that wanted to review my benefits with me. I was told I did not receive the card I applied for, but a lesser card that would only give me XXXX bonus miles. This was a pure bait and switch. I am appalled at the deceptive practice of this company. I did call the company but that would not award the miles as promised. I closed the account today rather than pay their annual fee as they did not fulfill their obligation.

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 2016-12-22
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/2016 I deposited XXXX XXXX $ dollar bills via the atm at the M & T Bank in XXXX Pa. XXXX. I could clearly hear the machine malfunction. It kept the money and dispersed a slip telling me to come into the branch during business hours the next day. I did and they told me they would have a technician look at the machine and have someone from their security department view the surveillance video, they issued a provisional credit for the XXXX of XXXX/XXXX/2016 nothing has been done and I was told at the bank yesterday that they would reverse the provisional credit on XXXX/XXXX/2016 I 'm out the XXXX. I was also told that no technician has looked at the machine or the video as of yesterday. M & T has had a whole month to investigate this matter and they have n't I was also told yesterday that on the day of the deposit that the machine balanced out so they do n't know where my money is. At this point the only conclusion I can come up with is that there is a theft involved here.

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 2021-01-13
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My loan was sold to Specialized Loan Serviceing by XXXX XXXX. On XX/XX/XXXX I got a package about it. It stated that I was late on a payment of a {$20.00} manintenance fee and had {$9.00} in interest due. My balance was {$0.00} so thereshould have been no interest. I recieved no bills or paperwork in the transfer so I had no way of knowing they fraudulently charged me. As of XX/XX/XXXX there is still no statements online to tell me why I was charged interest. I immediately paid the {$29.00} on XX/XX/XXXX. The wesite shows me still late on {$20.00} and a {$20.00} unknown and unapplied payment. My original agreement with state farm said that if I closed the loan in less than a year there would be a early temination fee. I believe it was {$140.00} but since statefarm has deleted all record of the original loan I can't find out. It's been over 2 years. Now XXXX says I have to pay a {$500.00} early termination fee or continue incurr ongoing maintenance fees and interest on my {$0.00} balance. There are hundreds of complaints about them online. The representative said since the website says so there is nothing he can do about it. He could not explain why there was {$9.00} interest on a {$0.00} balance.

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 2016-08-01
Company: Atlantic Credit & Finance, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I do not have a case # yet as I have not received notice of any pending action. The collection company seized my bank account leaving me with a {$0.00} balance for a debt that is too old to sue on without properly notifying me and from a bank account that has exempt funds on it. It is in the XXXX XXXX XXXX in XXXX XXXX, MI. This is the second time they attempted this and were ruled against last time which was about 7 or so years ago. This debt is about 12 years old. I have collected unemployment on this account and I do have food stamps and am considered indigent. Please help me. The law firm representing them is XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI. ATTNY : 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 2022-10-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: M&T BANK CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I am a customer of M & T Bank for my home mortgage since they purchased my mortgage in XXXX. I have always paid my mortgage payment online through M & TBank 's online system. In XXXX XXXX, M & T Bank unlawfully locked me out of my account, in spite of my repeated entries of my valid username and password. I was unable to make my payment on time and was unable to receive any help from M & T Bank customer service to make my payment on time. Now, M & T Bank is insisting I pay a late fee, as well as a fee to pay with a representative, because their own online and phone automated systems did not work correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
M & T bank put a hold on a bank to bank transfer for {$9000.00} and are holding my money in limbo for almost three weeks. I have call to release the funds or transfer back. No response from them on calls and messages. No explaination. They sent me a form again with no explaination. I need funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This concerns a private student loan that I obtained during my first year of XXXX school in XX/XX/XXXX at XXXX University XXXX XXXX XXXX, XXXX, Oregon. As a condition of obtaining the loan, I was required to obtain a guarantor. My now ex-wife 's grandmother agreed to be the guarantor. The loan was for about {$4000.00} to cover tuition and living expenses. The loan was issued by XXXX XXXX and has been continuously serviced by XXXX XXXX, now Navient. 

Since the loan has been in repayment, my guarantor has been making {$75.00} payments every month directly to XXXX XXXX, which is significantly higher than the minimum monthly payment. I have reimbursed her for each of those payments. She has done this to ensure that, despite any fluctuation in my ability to pay, the loan will be paid and will not adversely effect her credit. A few years ago, I calculated that this accelerated repayment schedule would pay off the loan in full in about 18 months. That was now at least two years ago. 

In addition to the $ 75 monthly payments, I have also been paying the minimum payment as an auto-draft from my checking account. This minimum payment is around {$6.00}. 

After remembering my calculations last month, I checked online to see why this loan was not yet paid off, and I discovered that in XXXX XXXX ( around the time that XXXX XXXX changed to Navient ), the {$75.00} payments were no longer being credited to this loan, even though my guarantor was mailing checks in every month, using payment coupons provided by XXXX XXXX to the address provided on the coupons. There were about {$1300.00} in payments that were missing, which was more than enough to cover the outstanding balance. 

I called Navient on XXXX XXXX, XXXX. The agent was able to tell that the {$75.00} payments from my guarantor were being made, but that the payments were being applied to my Federal Spousal Consolidation Loan. My guarantor has no connection with that loan. I instructed them to correctly apply the payments, and they assured me that it would be done within 7-10 business days. 

It has now been nearly a month since that conversation, and my loan still shows an outstanding balance of {$300.00}. 6 of the {$75.00} payments that were made between XXXX XXXX and XXXX XXXX are still not showing as having been made on this loan. This amounts to {$450.00} in mis-applied payments, which is more than enough to pay off this loan. In the meantime, I have continued to make principal and interest payments ( of about {$6.00} ), when the loan should have been paid in full months ago. 

I have emailed Navient about the issue, but they have not yet gotten back to me. The last time I called them, it took well over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: NC
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:
Ive called Equifax & disputed online over and over someone was using my identity to apply for cards and it left hard inquiries and its giving me quite financial hardship I need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: M&T BANK CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX mortgage ( account number XXXX ) closed XX/XX/XXXX I have been paying XXXX with my monthly payments but as of XX/XX/XXXX or earlier my XXXX ratio became was less than XXXX %. XXXXs letter of XX/XX/XXXX states when this principal balances wa reached, they would not longer collect XXXX. On numerous occasions in XX/XX/XXXX I spoke with their customer support staff. They would not stop the XXXX collection. I have received a XX/XX/XXXX escrow analysis that appears to indicate that the XXXX will not be billed. But there is not definitive wording to that effect..

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