BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly asked this credit collection company - Portfolio Recovery for proof of this account being opened and charges being made. I asked for a copy of the credit application & copy of signed receipts. They agreed to provide these items, but even after waiting for over 90 days they were unable to provide any proof other than two statements with a balance forward on them. This is not my account, it is over 5 yrs old and I have called the collection company more than 7 times trying to rectify and yet they still have not removed the collections account from XXXX or XXXX. I even spoke to their dispute dept. who informed me that they do not have a credit application, credit receipts or anything that they can provide me with that would indicate that this is my account. What else can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/XXXX my lease for my XX/XX/XXXX XXXX is completed. I am going through personal health issues with XXXX, my husband and I thought that the best thing right now is to keep the SUV and fiance the remaining balance. I will be XXXX % honest that some payments were late, but I never had any repocession and I always caught up. This was do to me being ill. Not because we did not want to pay. On Toyota 's side and what they reported to credit agency 's is inaccurate. I tried XXXX times to straighten out with Toyota and dealership. Neither helped. I then have been contacted by both the dealership and Toyota of my expiring lease and what my next step is. I emailed the dealer telling them what my current situation was pertaining to car and health. Because Toyota destroyed my credit - I had to get a co-signer. I had the proper co-signer, more then sufficient income XXXX {$1500.00} a week via spouse ) and that I would be able to put a down payment. Toyota refused. They caused the issue by not reporting properly or every time I faxed ALL their XXXX logs from my credit union magically never got. I have been called a deadbeat by a XXXX XXXX XXXX agent - then Toyota paid ME {$100.00} in good will via claim filed through CFPB. The dealership promised I would get approved no worries. Now not the case and have ignored me since. I have been approved through XXXX other dealership ( XXXX and XXXX ). Now I am in a position health wise I have been given XXXX months to a year to which Toyota was informed. Still did not matter. I have tried XXXX times to correct situation. Now I will be with out a car. This all transpired over XXXX - when I really should have devoted my time to my XXXX children and spouse. I attached texts from dealership saying " Do not worry it will get handled ) .... The new fiance XXXX I am dealing with his very assitant has and is having same issues with Toyota. I have texts from that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
There are 26 inquiries that I did NOT AUTHORIZE on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A few months ago I disputed XXXX chapter XXXX bankruptcy entries with Experian ; after many attempts ; Experian continues to validate the entries and remove them from my report. In XXXX of 2016 I sent a letter straight to the Bankruptcy court at the address that Experian reported to me at the end of their investigation. The letter was returned to me undeliverable as addressed. this again shows that they 're reporting bad information. Please remove these entries from my report. I have uploaded documents proving my statement.

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 2021-11-25
Company: EQUIFAX, INC.
State: IL
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing accounts that do not belong to me. I have disputed with the credit bureaus four times and with the actual collection agency three times. XXXX, XXXX, and XXXX  has not provided me with any documents showing that I owe this debt. I have also contacted The Collection Agency Augusta Collections and they have not provided me documents showing that the debt they have is mine. I was sent itemized bills that I have never seen before until I started the dispute process. 

Dates I have sent dispute letters to Augusta Collection was XX/XX/2021, XX/XX/2021 and XX/XX/2021. The amount that they say I owe is {$3500.00}. Augusta Collection has called me demanding payment. They have sent letters stating that the debt is mine with nothing validating the debt at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
All The Major Credit Bureau 's have committed fraud against me and I need these issues solved immediately. The physical addresses for these companies are listed below. Not only have they hoarded my personal information without my expressed written permission/consent they have committed fraud against this consumer on numerous occasions. I have filed a complaint on XXXX with the F.T.C ( federal trade commissions ) my complaint confirmation number is # XXXX. I called them today Thursday XXXX XXXX and they told me to contact you about my issues as well. I want all matters of my credit solved and dismissed because they were under fraud and there was no written consent by this consumer which is Me. I have tried to solve these problems and there has been no action. My next actions are to take legal actions because these company think this is a game. This is my life and I am not going to put my life in the hands of the credit bureaus. They have already let me down by providing my personal information without my consent for their financial gain.Pursuant to the 1974 Privacy Act all three credit bureaus violated all my privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt collection Practices Act all 3 bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling to various debt collection, student loan collections, employers, financial institutions, and a host of others. My wish is for the C.F.P.B and F.T.C to demand on my behalf that all 3 three credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts, credit/debit card numbers, drivers license numbers, identification number, detailed health or medical history or any other similar sensitive personal information. All relations with these 3 credit bureaus ' are in question for reporting fraudulent information to disgrace this Consumer. This Consumer wishes for the damages of XXXX XXXX dollars and credit score of XXXX from all three credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to Thank the C. F.P.B for protecting my personal information, family, and household. 

XXXX XXXXXXXX XXXX XXXX XXXX, Ga XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ga 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 2016-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by 2 companies, the original company XXXX ( XXXX also called XXXX XXXX ) and the company they sold/transferred it to Portfolio Recovery Associates. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While Portfolio Recovery Associates list this debt as XXXX See any similarities? 
XXXX List this as a closed debt while Portfolio list it as an active account. 
2. This account was closed by XXXX after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Procollect has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine and get debt validation as I have not signed a contract with them or any company they affiliate with. This account is fraudulent and was made without my consent. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Procollect is a scam and does not care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit 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 2022-04-13
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
My XXXX year old mother received a notification from Portfolio Recovery Associates LLC claiming she owned {$2000.00} dollars for a debt with the 'original creditor ' being " XXXX XXXX XXXX XXXX. ". They indicated she could pay the debt in installment and save up to about {$900.00}. My mother had XXXX in the prior year and was afraid it had something to do the that ( even though all bills had been paid ). I called the Portfolio Recovery Associates and after getting the run around and letting them know further correspondence would be through our attorney, they said the would just 'take her off the list '. We 'll see if this holds true. The point here is that she could have easily thought she owed the money and made payments. After looking at the information on the internet regarding this company, I think they are a scam prey upon older people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have contacted the credit reporting agencies, XXXX, XXXX, and TransUnion. I have either been met with resistance or received no response. I believe that my requests for correction and investigation are reasonable and should be complied with. Due to them not reaching out with any actual communication, I have to submit this complaint. I've been working on this for the past year and no real response. Then XXXX ruined my credit with their glitch and has since dropped my score even further without a response or reason.

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 2022-04-13
Company: Westlake Services, LLC
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:
XXXX XXXX  on XX/XX/22 sold me a lemon. When they approved me. They only told me they were going through the bank XXXX XXXX. But they shopped around banks to get them selves the best finance rate where I would be paying XXXX a month. I returned the vehicle the next day and received XXXX percent of my down payment back. West lake financial, XXXX XXXX, And numerous other banks got my information. My social security and Id have been recently compromised. So Im just trying to stay on top of my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called many times, every time I waist about 1 hour of my day and never get a solution. This company is the worst ever! They raised my mortgage from XXXX to XXXX from nowhere! They did add a special and they never were able to explain what was that. They tried to blame the tax but it doesnt make any sense because I pay less than XXXX yearly and back in XXXX my escrow was already XXXX. Also, my insurance is less than XXXX  yearly. There is no way that I have to pay extra {$4000.00} for my escrow. Crosscountry is so disorganized, dont help customers properly, have a unprepared team that cant handle with our requests and now is making me pay a lot of extra money for no reason at all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage claims to be the current holder of the first mortgage that is on my property, with a company known as XXXX. PHH Mortgage offered a loan modification program that includes " forced placed insurance '' and property taxes. The issue is I have had insurance the entire time I've owned the property and have supplied both PHH Mortgage and their attorney, XXXX XXXX, a copy of the insurance that is more coverage than their costly " force placed '' version of insurance. They refuse to remove it from the payment amount, instead claiming they would " deny '' another modification and would " review it '' at the end of the trial period. 

The next issue, I am an XXXX XXXX and have an active property tax exemption. PHH Mortgage is literally requiring payment for something I have went to court about and dealt directly with the treasurers office. There is no " escrow '' for taxes I do not even have to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Reached out to XX/XX/XXXX to try to settle on debts that are listed on credit report, but hey claim they have NO RECORDS of any file with my name on it. They said the same thing when i called them back in XXXX of XXXX. I have tried disputing it but have been unsuccessful. 

All i am asking is for this to be removed from my credit report as soon as possible, especially since they aren't supposed to be placing negative items on consumer reports during covid. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, My Morgtage has been sold to Rushmore Financial Services. This was sold to them when XXXX left the market. Immediatly they law suit me for the amount of XXXX of the principal amount of the morgtage and want as a settlement 35 % of the amount owed plus all the interest accumulated. I personally thinks is fair, but what motivate me to contact you guys is becasue they are not flexible and expressed that they just want to aquire the home to built their house portfolio. That was the statement from XXXX XXXX from loss mitigation personnel. The phone number is : XXXX

Company response to consumer: Closed with explanation