BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates has repeated cycled and called regarding a {$180.00} debt. Years ago they claimed it was from a XXXX debt that I paid off, and when that failed someone on the phone said it was another debt that I paid off, from XXXX. Currently my credit report says XXXX XXXX was the original creditor. I never owed XXXX XXXX. When I asked for any kind of proof of debt to be sent to me, they claimed they did not need to provide one. They claimed that the burden of proof was on me to prove I did NOT owe the money. I am not interested in falling prey to some kind of scam, otherwise I would just pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
WE bought XXXX XXXX 's on the same day for our sons going to college XXXX of the cars was in a total loss accident. XXXX XXXX and Toyota got the account numbers wrong and payed off the wrong car. We had no idea what had happened we continued to pay the payment as agreed, not knowing what had happened until going to the DMV to get license for the other car they informed us that that car was showing a total loss. Toyota meanwhile set up another account and we was not may aware and they turned in the other XXXX as being late I contacted them and they said it was XXXX XXXX fault because they requested they wrong title, and they were to correct our credit report but that did not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since XXXX 2015 I have sent letters to Portfolio Recovery Associates to have an unknown account removed. I was never contacted by them initially, so I can not tell you what the debt is for. I discovered the account on my credit and requested that they send me proof they have the correct person and or advise me of whom the original creditor is and or what it is for ... ... .. To date, I have sent them certified letters on XXXX XXXX, XXXX XXXX and XXXX XXXX 2015 and they have ignored me but continue to report the debt on my credit. According to the credit bureaus they ( PRA ) have verified the debt as belonging to me but have refused to communicate with me. 

Moreover, I have sent XXXX notices to the following addressXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX and have never got a response from them even though I have proof from the Po office it was delivered so I sent another letter to the other address that is listed on my credit which is XXXX, VA XXXX and they refused the letter so it was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: FC HoldCo LLC
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a car loan through XXXX, which I believe was bought out by FlagShip Credit, but have never been told this by the company. I realize that I am behind on my loan but they have now reached out to an ex-boyfriend of mine 3 times now, once in XXXX ( followed all rules and regulations ), again on XXXX at XXXX in the morning and proceeded to tell him that I was 3 months behind on the car and that they would come repo it is he did n't have me pay it, and then again on XXXX - XXXX - called him again and said the same thing. I am the only one that is on my car loan. They have now given out personal information about my loan to someone who is n't on the loan and they continue to reach out to him. This is illegal and unethical practice. Again I know that my car is behind but they need to reach out to me not him and I do plan to move forward with holding them accountable for their actions and protecting myself.

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 2022-05-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Around beginning of XXXX I noticed an unauthorized XXXX payment of {$1500.00} made from my Wells Fargo account and immediately called the fraud department to start a claim. The claim department gave me temporary credit of {$1500.00} while the investigated the matter. However, after a couple of weeks they declined my dispute and took the temporary credit back. I called the fraud department to ask them why they declined the dispute as I did not authorize any transactions and the lady told me the transaction was authorized by me on a device that had a passcode. I told her respectfully that there was no way that was me as I did not even know who the recipients were and they were XXXX individual people. I asked for a second review and she told me that someone would get back to me within a couple of days but I never received a call back. Every time I call, I get told I would receive a call back within a couple of days but never do. It's been over a month now and I just want to receive the money I lost. If I have to, I will take legal action.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: NJ
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILRE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ATTACHED THE FEDERAL TRADE COMMISSION AFFIDAVIT! NOW THAT I HAVE GIVEN THIS INFORMATION CORRECT MY FILE OR I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED!

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 2015-06-22
Company: JAMES B. NUTTER & COMPANY
State: LA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
A notery came to my home and lied straight through the hold thing. She assured me I could stay in home until time of my death. I was only XXXX then. We never did have couceling or I would never have signed off on the loan. And even Hud just passed the law that would allow me to stay in my home, XXXX XXXX XXXX HAS IT UP FOR AUCTION ON XXXX at XXXX .I called when I turned XXXX and XXXX XXXX XXXX XXXX me it would cost me XXXX to get on loan that if I waited until I was XXXX it would be cheaper, That was a lie. He wants me to come up with XXXX.I lost my husband on XX/XX/XXXX. I am now XXXX and no money, no home. So my advise to the old folks out there. beware. Do not listen to the lies they are telling people.We took the mortage in XX/XX/XXXX and he never did record it until Legale Aid who I thought was on my side but not so called him and and told him to go register the loan at the court house. which he did after all these years. 
XXXX XXXX, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I FILED AN IDENTITY THEFT FTC REPORT DUE TO INACCURATE ACCOUNTS ON MY CREDIT REPORT AND NO ONE IS HELPING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I FILED AN IDENTITY THEFT FTC REPORT DUE TO INACCURATE ACCOUNTS ON MY CREDIT REPORT AND NO ONE IS HELPING ME.

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 2020-08-12
Company: EQUIFAX, INC.
State: AZ
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:
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON DC, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


this was an unauthorized inquiry On XXXX and XXXX   and equifax but, when I check my credit score though XXXX   ( XXXX XXXX ) It shows US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Who in the XXXX knows why the same bureau reports differently I called the number at Small Business, the receptionist said they had hundreds of complaints and transferred to a line where it said the wait was over 2 hours, I was 109 in line. 

These credit bureaus need to be doing a better job. Now I have a credit alert for their failure and jerk around with credit freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Selene Holdings LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX, I was employed part-time by the federal government. I have asked Selene Finance to assist me with loan modification programs. My last modification was for XX/XX/XXXX and my remaining balance is {$300000.00}. They offered me 5 % and a 3 month trial payment of {$2200.00}. I lost my job XX/XX/XXXX and I have not found one, but I am marketable. 

I spoke with them when I realized that I was unemployed and told them on XX/XX/XXXX, that I was unemployed and was actively seeking employment. I have also asked them on several occasions if I could make my original payment of {$1500.00}. Some of the representatives I spoke with told me NOT to send in the old payments as they would be sent back. I spoke with another person who told me too send in the payments and they would be credited. I did that. Now they said I no longer qualify for a modification and that I can lose my home in foreclosure or short sale. I have equity so I could sell, but I have no place to live. I received a letter from them denying me a loan modification. What am I supposed to do? I have a basement that floods and I have spent countless dollars on fixing that and now the insurance company said that the house has a foundation issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: SUNRISE CREDIT SERVICES, INC
State: NY
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 Acct. # XXXX, Acct. # XXXX, Acct. # ending in # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2016-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I asked that they not call me during my work hours of XXXX to XXXX the lady advised me that it 's all computer generated and they can not control what time they call me. She then asked me that in order to stop calls I make a pay ment arrangement which was fine however she told me I could not make an arrangement unless I gave her my credit card or bank info now and authorized her to run that payment on that day which I know is unacceptable. I advised the calls need to stop which could cause me to lose my job. I will file a law suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Phillips & Cohen Associates, Ltd.
State: NY
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 Acct. # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: CURO Intermediate Holdings
State: MO
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:
For the 20th time, I would like for Ad astra recovery to explain how I owe them money, in the last complaint, they said " They are a third party debt collector '', which means they bought the debt, so again please explain how I owe you money? 
Ad astra recovery has not provided any business or services to me, so to say I owe you money is FRAUD, If I hire a credit repair service, this would be removed, I am in the process of reporting Ad astra recovery and the credit bureaus to OCC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRUIST FINANCIAL CORPORATION
State: MA
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:
My mortgage with my home is held with SunTrust ( now Tuist ), I make my monthly payment through my online bill payment system every month and on time since the mortgage started 3 years ago. The payment I make is for {$1800.00} per month including principal, interest, and escrow. I made the XX/XX/2020 payment for {$1800.00} on XX/XX/XXXX and SunTrust cashed my check immediately. 

SunTrust recently increased the payment to {$1800.00}. I did not see this and so my XXXX payment was short. Instead of notifying me about the shortage for XXXX tey reported me to the credit agencies for non payment. My credit score dropped by 100 points immediately. 

I contacted the SunTrust credit department and was told that was not there problem and the payment was short and their actions were justified. 
Please advise if anything can be done, I find SunTrusts actions to be unreasonable and my concern is they were gauging me on the escrow account with was still funded. 

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 2022-05-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received an email purportedly from Synchrony Bank concerning a XXXX ( retailer ) credit card for which I was already accepted. Unfortunately, I am still recovering from COVID and am susceptible to bouts of confusion. Even though the email was in my Junk folder, I opened it and saw it was a link to get info about my card application. I selected the link, and on the website, which was too simple looking for bank business, I entered the last four digits of my SSAN, my ZIP code and my date of birth. At that point the site said the info was not valid and that I should try again. Only then did I realize what I had done. The web site address is " XXXXs : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and I have attached the email. I doubt that XXXX or Synchrony bank are involved but someone is getting information about credit requests to them. I will request a credit lock immediately to prevent anyone from requesting new credit in my name. Other than that I am not sure what to do. I can only wait for these COVID symptoms to clear so I can start thinking clearly again. Thanks for your time.

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 2015-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is listing account from XXXX XXXX XXXX XXXX which is more than 8 years old since the last delinquincy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: FC HoldCo LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I applied for a car loan at the dealer, was told I qualify Flagship Credit Acceptance. I have late fees for monthly missed payments with Flagship. Whenever I specifically ask to have late fees added to that payment I am making they say yes, after I pay, I am told the late fees are added to the principal payment. I have recorded at least XXXX conversations. Today, I am 35 days behind and am being told that my account has to be brought up to date in order to have access to my account online. I asked the male rep may I have copies of their rules and regulations, it was never mailed to me, despite having ask at least 3 times before. He replies, to get it online, my reply was how can I get it online when you told me I have no access, he starts telling at me to stop yelling, which I was n't. He hung up on me. I am told so many contrasting and different rules by workers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: Comerica
State: AZ
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fraud or scam

Complaint:
XXXX XXXX Services froze my XXXX computer screen with a window instructing me to call XXXX at phony phone number. Then " XXXX '' transferred me to XXXX XXXX XXXX which falsely claimed to be XXXX 's contracted tech service. XXXX pretended to " fix '' a problem they caused in the first place. They took remote control of my computer for at least XXXX hours. All XXXX & XXXX forums I have read explain XXXX is a scam. They allegedly are HQ in XXXX XXXX NJ at XXXX XXXX XXXX # XXXX zip code XXXX ; contact XXXX XXXX, email XXXXXXXXXXXX, phone XXXX. I was hacked by XXXX XXXX/XXXX/15 & discovered scam XXXX/XXXX/15. I have complained to FTC. I have complained to Comerica Bank which is sending me a fraud complaint form, a new Social Security check prepaid debit card ; they asked me to file a theft report with the XXXX Police Dept. This is cybercrime, wire fraud, and other crimes, I guess. Go to FBI? U.S.Justice Dept? New Jersey Attorney General?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from 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 explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from 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 explanation