BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-25
Company: Experian Information Solutions Inc.
State: GA
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:
I have several collection accounts that have reported on my credit file that have been paid directly to the original creditor. The Credit reporting agency will not properly investigate and removed the item from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase bank has a forced arbitration clause, which I am aware of. 

I have been trying for over two days just to get INSTRUCTIONS on how to start an arbitration claim. I've contacted chase by phone, secure message, and XXXX  without a single response. 

I'm unable to sue chase because of the arbitration clause, but now they're preventing me from starting an arbitration by ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
West Asset Management contacted me today via phone, a XXXX XXXX proceeded to read to me my personal information and wanted me to verify it without explaining why she was calling, who she was calling about etc. I called them back to ascertain the reason for calling and was sent back to XXXX XXXX XXXX. She started the process again ; I said I will not give you any of my personal information without you telling me why you are calling. She said I can not do that until I have your information, i.e. my personal information. Phishing is an illegal activity, and not one I will be party too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The servicing of my mortgage was switched to Caliber in XXXX, 2015. They sent me papers to apply for a modification. I completed the application and sent it back to Caliber with all the supporting documents they asked for. 

I did not hear anything for a while so I called to follow up. They said my application was in process and they would get back to me. I did not hear anything for a long time so I called to follow up again. This time I was told they would have to look into it. It has been very hard to communicate with Caliber because there does not seem to be XXXX specific person assigned to my file and the company is not responsive. 

Caliber has never asked for more documents, and they have never given me a response to my request for a modification. Now they have scheduled a foreclosure sale for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a letter to Portfolio Recovery for an account on my credit that is not mine. Copy of my letter attached. I asked them for signed credit application and one statement. on XX/XX/XXXX Portfolio replies that they need my request in writing ( Mind you, I did it in writing then how and why did they reply to me?. ) Their Letter is attached with my reply.On XX/XX/XXXX, They sent me a copy of a statement as proof of debt. On XX/XX/XXXX I reply that the address on the statement is not my address, therefore this shows that the account was opened via fraud. Copy of statement showing wrong address attached. on XX/XX/XXXX they replied that they did not receive the information they requested from me and that they cant complete the investigation to which I replied that I did reply and requested a fraud packet ( Copy of their letter and my response attached ). on XX/XX/XXXX they replied again that since they did not receive the information requested they were terminating the investigation to which I replied what additional information they want from me on an account that is not mine.on XX/XX/XXXX Again they replied that they have not received the information requested and can't complete the investigation. ( Copy of their letter and my reply dated XX/XX/XXXX attached ). On XX/XX/XXXX They said the same thing, they have not received information from me. I replied today XX/XX/XXXX, attached is their letter and my reply. As you can see this company plays cat and mouse and keeps ignoring the fact that I already told them that the credit card statement they sent me contains an address that is not mine, copy of that statement is attached for proof. I no longer know what to do with this company I previously filed a complaint against them and they sent proof, yes but with an address that I never lived at so here goes my complaint again, lets see what they respond to you now. I can play this game with them eternally, let 's see what games they play with you the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RASH CURTIS AND ASSOCIATES HAS REPORTED A TOTAL OF 14 DIFFERENT MEDICAL COLLECTIONS ON MY REPORT WITH DIFFERENT DATES OF ORIGINATION AND AS XXXX XXXX AS THE ORIGINAL CREDITOR .... I NEVER RECIEVED A COLLECTION NOTICE IN FIRST PLACE.. I CALLED TO INQUIRE ABOUT THESE COLLECTIONS AND WAS TOLD TO PROVIDE ALL PERSONAL INFORMAITON AS THE LADY TYPED IT IN SHE SAID THEY DIDN'T HAVE MY SOCIAL # IN FIRST PLACE AND NOW THEY DO ... IT UPSET ME GREATELY ... I ALWAYS HAD 100 % MEDICAL COVERAGE AS A XXXX EMPLOYEE AND CONTACTED THE HOSPITAL WHO STATED THEY WERE NOOOOO PAST DUE BILLS AND THEY DO NOT CONTRACT IWTH RASH CURTIS FOR COLLECTIONS ... AS I DISPUTED THESE WITH CREDIT BURAUS A FEW WERE REMOVED AND NOW RUSH AND CURTIS POSTED 9 MORE  COLLECTIONS WITH NEW NUMBERS AND AMOUNTS ... THIS IS NOT LEGAL AND MUST BE REGULATION AGAINST THESE FRAUDUENT COLLECTORS RASH CURTIS AND ASSOCIATES # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My Name : XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Social Security Number : XXXX Toyota Motor Corporation Credit Company Account Number XXXX The late payment reported by Toyota Motor Credit Corporation on my credit reports are from 7 years ago in the year 2009. 

According to the Fair Credit Reporting Act ( FCRA ) U.S. Code Title 15 Chapter 41 Subchapter III 1681c ( Requirements relating to information contained in consumer reports ) this item must be removed from my credit report. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX U.S. Code XXXX ( c ) RUNNING OF REPORTING PERIOD ( XXXX ) IN GENERAL The 7-year period referred to in paragraphs ( XXXX ) and ( XXXX ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX I am requesting this item be removed to correct the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Dear CFPB, I have been trying fo r 4 1/2 years  To get Experian to removed   XXXX   XXXX   off of my credit report because of FRAUD.I was very successful in disputing and getting  XXXX   XXXX , and  XXXX  to remove that bank off my reports. I feel I am being treated Extremely unfair by Experian.Because of my Extended fraud alert for 7 years, it already takes weeks to get even  1 of my credi t reports, I received my Experian report on  XXXX   XXXX , I tried again to dispute  XXXX    XXXX   on  XXXX   XXXX @ XXXX  for 36 minutes. I talk to  XXXX  in the ( FRAUD DEPARTMENT ) and she said what  XXXX    XXXX   reported on my credit report was accurate I explain and explain my side of the story first she said she would place and state that  XXXX  reported inaccurate information then she changed her mind and said it was accurate and she could n't do anything at  all.Now I do n't know what to do I am very frustrated and upset I do n't understand why I ca n't get an y help with this issue from Experian, The bottom line is Experian has refused to help.

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: TOYOTA MOTOR CREDIT CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I set up a recurring payment on my auto loan that was set to withdraw my monthly payment from my bank account on the XXXX of each month beginning XXXX XXXX 2016. Toyota Financial began withdrawing money on XXXX XXXX 2016, which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On or about XX/XX/XXXX, I contacted Navient due to a change in income that reduced my monthly take home pay by $ XXXX/month as well as additional financial obligations I have for other student loans which had recently re-entered repayment. I explained the change in my circumstances and requested a reduction in my interest rate to enable me to maintain my on-time payment history. Navient denied my request and said that they would allow me to make interest only payments for six months. I explained that this option did not address my needs and would only cause me to pay more month over the life time of the loan. They said this was the only option they were willing to offer at that time. I thanked them for this and advised that unless a different arrangement could be made, it would risk putting me in financial hardship and possibly not able to make the payments on my loan. 

On XX/XX/XXXX I contacted Navient again, regarding a further change to my income due to the Coronavirus / COVID-19 pandemic. I explained that my wages were being reduced and the possibility that my position would be eliminated within 2 weeks, and I requested a deferment or forbearance of payments for 6 months so that I would have enough time to assess my financial situation, pay for necessary expenses such as groceries and shelter, and not miss payments during this time. The monthly payment amount which Navient requires from me is almost 40 % of my monthly income and this was not sustainable. The representative asked if I had lost my job, and when I confirmed that I was still employed currently, but with a further reduced income and the possibility that my job would be eliminated in the near future, she said that " Deferment and Forbearance are only for people who have lost their job. '' She then proceeded to tell me that she would reduce my payment by {$400.00} to $ XXXX/month and asked if I would be able to make that payment amount. I told her that I was confused about her math because my monthly payment was significantly higher ( $ XXXX/month ). She then told me that I was " being hostile '' and that she had never said " $ XXXX/moth, '' to which I responded that I would like to have a copy of the recording of our conversation to verify this because I had been taking notes during our call. She told me that her manager would handle that request and that I would receive the recording " within 2 weeks. '' I asked for her employee identification number ( it is # XXXX ) and she then hung up without providing any information as to how I would receive the recording of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have sent numerous letter to the credit bureaus as well as attempted contact and have yet to recieve any details, response, update, or answers on the matter : The following accounts on my credit report are fraudulent and without consent : XXXX USDEPT ED : XXXX DPT EDXXXX : XXXX XXXX  XXXX : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-20
Company: Experian Information Solutions Inc.
State: TX
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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: NC
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:
THIS IS NOT A DISPUTE AND SHALL NOT BE CONSTRUED AS A DISPUTE. THIS IS A LEGAL DEMAND UNDER THE FAIR CREDIT REPORTING ACT. 

Ive tried multiple times to resolve this with you. Ive tried disputes, Ive tried fraud reports, Ive even asked for verification of the accounts without compliance from you. Your response is always for me to submit another dispute or to contact the creditor directly. But now that Ive learned what the Federal law states on this issue, and the protections Congress has put in place for me as a Consumer, I am invoking my protections and my rights under the Federal law. 

You BROKE THE LAW. You are furnishing my report without permissible purposes 15USC 1681B. You do not have the legal authority to furnish ANY of the negative items that are on my Consumer report without my permission.

You dont need specific account numbers as I am referring to ALL NEGATIVE ACCOUNTS AND NEGATIVE REMARKS on my report as well as ALL hard and soft Inquiries not attached to open accounts. 

When I asked your representatives if any of these accounts were verified I was told that the accounts are assumed to be correct because the creditor is furnishing them and you reflect what information they provide you. This is illegal because the only way you can furnish information on my report is if I, as the Consumer, verify them. Any other verification under an Investigative Consumer Report involving a 3rd Party or a Creditor can not include specific factual information about my credit record. 15USC 1681A As a result of you breaking the law and illegally furnishing these negative items on my report, it has caused me mental distress as well as financial hardship. 

In accordance with the law I do not need the accounts verified because I am the only one who can verify them and I never even gave written consent for them to be furnished 15USC 1681A. 

I need all negative items, all negative remarks, all charge offs, and all hard and soft inquires not attached to open accounts removed immediately. If this Consumer report is not brought into compliance within 30 days I will be forwarding this important issue to the Attorney Generals Office. 

I have attached screenshots of the specific laws aforementioned for your records.

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 2017-05-25
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There is a hold on my credit card that  Discover  card wo n't release it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2020, For the amount of XXXX and an available balance on my credit cards. My card was declined because they had mistakenly taken my last C.C. Payment from the wrong account. After calling to schedule the missed payment, my account is decline a small fee. I spoke with a representative prior to the purchase and was not informed my cards wouldnt work. I have a 100 % on time payment. Called and resolved the issue. Capital One decides to decline my purchases because my payment is scheduled for the next payment date. The one time removal of the late fee was used. I thought Capital One values customers. Ive been with them for 5 years and never made a late payment. I was Embarrassed in line holding up shoppers for 25 minutes. For {$13.00} charge. This company is not loyal to customers. Ill be paying both of my CC off next month and never using them again. No more interest charges from me and I will NEVER EVER recommend this company and be the first to let people know how untrusting they are. Loyalty goes a long way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I was sold a car that I was told I could afford. I was told my monthly payments would be {$300.00} a month and now I pay {$100.00} over what I was promised. I wanted a simple car and was sold a car that has so many features that I do n't know what they are for or do. I am not educated and I am older so I was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the a Fair Crediting Act Conversion:
( 
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 In accordance with fair crediting act 15usc 1681 604A section 2, A consumer reporting agency cant publish any account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
Portfolio is reporting an erroneous debt on my credit file. The debt is not mine and I filed a police report back in 2010. They have never been able to prove to me that the debt is mine, they have nothing signed by me. The debt is past the statute of limitations as well.

Company response to consumer: Closed with explanation