BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Sent dispute of account to the credit bureau. They claim they investigated and it was verified even after I had received communication from XXXX that they were ceasing collection and would notify the bureaus to remove the account ( s ). I faxed the CB a request to remove with a copy of the letter from XXXX. The account ( s ) are still showing on 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 non-monetary relief
Consumer complaint received 2016-12-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting a charged off account as a recently delinquent payment. The account was charged off in XX/XX/XXXX but is now showing current delinquent payments in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to, " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Assets is trying to collect on a XXXX debt. I did have a XXXX account at XXXX time, however, the amount owed does not match what was owed, at all. I have told them this repeatedly. First, I did not get notice that they took over the debt when they did so, so I could not ask for Validation within the first XXXX days. Secondly, I have asked for validation for XXXX years now, and they only send me an electronic file with general information. I have specifically asked for the account history so that I may try and recognize this account is mine, and if so, that the dollar amounts are correct. I say this because my original credit limit with XXXX was only XXXX. The last balance owed was not near this amount at all, maybe XXXX. I have asked PRA to provide some kind of original documentation that CLEARLY states this is my account, i.e. transactions, and how the XXXX dollar amount was come up with. They have not done this. 

I called them again last week, and was told that the last certified letter I sent was sent to the wrong address, I sent it to XXXX XXXX XXXX, and the PRA employee stated it needed to go to XXXX XXXX XXXX. She told me I had to send in a new letter to the XXXX XXXX address. However, I sent it to the exact address in my credit report, and someone from PRA did sign for the letter as I have the receipt. I told her this, and all she could say was, " its a new year, send in a new letter ''. I feel this company is doing everything possible to avoid providing the proof I requested, by all these stall tactics. I want to get this resolved, and am not getting anywhere with them. I feel that if they are demanding this amount of money and from me that they need to prove ownership without a doubt since there is an issue with the dollar amounts. There is also something on XXXX of my credit reports starting in paid {$100.00} on this account XXXX 2013 and XXXX 2013, which I did no such thing. Can you help me get the information I need, or can you help me get them to delete this from my credit reports if they truly can not prove it is my debt/ and or the accuracy of the amounts owed? Note : I have tried to dispute this through all XXXX credit reporting agencies and got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed for bankruptcy on XXXX/XXXX/2016. Netcredit was included. The bankruptcy was discharged on XXXX/XXXX/2016. I have received multiple calls from them and XXXX emails this week. I called and was told they do not have my bankruptcy info. ( They have not contacted me since the original notification in XXXX ). I gave them the info and was told they would " look into it '' but that collection activity will continue. I was told by XXXX of the callers that they were not under any obligation to " honor '' the request from the court and that I needed to pay this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan that is now well over 30 % LTV and the lender still will not remove the PMI

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I was charged interest on a card that specifically had 0 % interest. They did n't cancel the fee after countless calls and complaints. I have been with Bank of America for over 7 years and had never been charged interest before -- obviously that did n't mean anything to them. I will not be working with BoA again.

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 monetary relief
Consumer complaint received 2016-02-17
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
To Whom It May Concern : On XXXX XXXX 2015, I sent {$200.00} to relatives in XXXX. I mistakenly wrote the receiver name as XXXX XXXX instead of XXXX XXXX. According to Western Union, the name that I had used is the name of an individual that is in a Global Sanction List and that XXXX needed to go back to the Western Union Office and bring a copy of his ID so that they can fax it to XXXX. I explained to them that XXXX XXXX had brought his ID when he went to pick the money and he was simply told that the money was not available for which they had no answer. XXXX went back following the instructions that Western Union had provided me but he was told that there is nothing they could do because they had no fax machine. I then requested that the money be refunded to me, which Western Union agree to first and then they decided not to without any explanation. From XXXX XXXX to around XXXX XXXX, Western Union went back and forth about what they could and could not do to help solve this matter. When I realized that they simply were wasting my time and nothing was getting done, I requested that all communication was done via email. On XXXX XXXX of this year, XXXX found someone in town that has a scanner that scans better quality images and as soon as I received those images I sent them again to Western Union twice but I have received no answer. 
I will take this case public but have been advised to first file a formal complaint. 

Respectfully, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There was not an applicable option to describe my issue. This is one of several complaints that I have against Portfolio. I always submit my complaints through the CFPB because this agency needs to be aware of this debt collectors tactics. Portfolio has responded several times to my complaints but they have not answered my single question. WHEN WAS THE DATE OF FIRST DELINQUENCY? Portfolio randomly picks dates and numbers to put on consumers credit reports without any regard for the FCRA. Enclosed is what Portfolio has put on my credit report. They have the date of first delinquency as XX/XX/2014 but the date opened is XX/XX/2014. I am not going away until my question is answered. If you cant answer it, you cant make up dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I transferred him money through XXXX. I used BOA, he used Bank of America. He gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since I had used it before and he gave me all the details I wasnt that concerned with it. The transfer went through. He called me about 5 minutes later to confirm he received the money I didnt receive them and called him back, he answered right away and said he had initiated the transfer and it might just take a few minutes. So after a hour so I waited he never responds I was buying a cellphone XXXX I just would like my money refund onto my card

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 2017-01-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was a co-signer on a loan that fell behind a few months. The auto loan was opend in XXXX and closed in XXXX. I have repeatedly ask Toyota Financial to remove the loan from my credit report as a courtesy so the late payments would not effect my credit rating. They keep reporting late payments even though the auto loan has been paid in full for almost 2 years. Just recent as XX/XX/XXXX, they reported being late 120 days past due. I have never been late 120 days nor did I open an investigation on this paid loan in recent months. They are providing derogatory information on my credit report that hurts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Portfolio Recovery bought a XXXX credit card debt of mine from 2009 and for two years calls my business phone line multiple times a day. I consider this harassment. I have answered the phone and asked them to stop calling. PR admits that the debt is XXXX and not enforceable. But their strategy is to keep calling everyday multiple times until I succumb to this harassment on my business line. Can I sue for cease and desist and for damages?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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 recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXXInquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX Inquired on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Portfolio Recovery Associates is reporting a credit card account purchased from XXXX to the credit reporting agencies with a balance of {$5400.00} although this account was settled in full with a XXXX balance on XXXX/XXXX/XXXX. I have disputed this multiple times with this collector/debt buyer ( please see the attached letters and documentation provided with those letters ) and have even attached the Satisfaction of Judgment provided by the court, however, Portfolio continues to report this balance to both XXXX and XXXX. The fact that they report a XXXX balance to XXXX confirms that at least part of their records correctly reflect this settlement but obviously their records are still badly in error. 

I initially disputed this error with XXXX, XXXX and XXXX on XXXX/XXXX/XXXX. Since the account came back verified, I disputed directly with Portfolio on XXXX/XXXX/XXXX with a Validation demand under the FDCPA and FCRA, which, again received no response. I sent a XXXX validation demand on XXXX/XXXX/XXXX under the FDCPA, FCRA and FCBA and finally a third letter on XXXX/XXXX/XXXX directly to Portfolio, disputing under the FCRA, again with no response. 

Portfolio continues to ignore my legitimate requests under federal law and knowingly and arrogantly reports erroneous information to my credit report in violation of the FCRA. Further, per the FTC, the very act of reporting an account by a collector to a consumer reporting agency is a collection activity ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ). This, to my understanding represents a violation of the FDCPA by continuing to collect on an account that has been legally paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My payment was lost and in addition to countless late fees, my credit reflects a 30 day late payment, when in fact, they had the payment but it was sitting in suspense on my account. It took 3 weeks for Penny Mac to correctly apply my payment and now they refuse to remove the hit on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: VW Credit
State: GA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
The VW company does not provide a set date for payment. They change the date monthly on due date. I thought my payment was due on the XXXX of each month. I paid it 29 days late I thought so it would not affect my credit. I was told later, oh it was XX/XX/XXXX. 
this is not something people have time to do check monthly payment dates. 
they dinked my credit, even though they didnt have to. they do this in order to jack up the rate per month on your credit and to stop you from buying a car, making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: SC
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with First Niagara Bank ( Niagara ). Niagara is also my loan servicer, and collects and holds my escrow for insurance payments. In XXXX XXXX, my homeowner 's insurance company, XXXX, billed Niagara for {$1500.00}, payment for the upcoming year. Niagara made the payment to XXXX late, after the due date, and as a result my insurance was cancelled. At the time I had funds available in my escrow account. I have never missed or been late on a loan payment. Additionally, I did not receive any cancellation notification from XXXX or Niagara. Today, XXXX XXXX XXXX I was notified by my insurance agent that I did not have any insurance coverage. This is not right, fair, or just. I have paid all of my bills, read all of my mail, and done everything a responsible homeowner should do. Niagara has mishandled my money and exposed my family to significant risk as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have n't obtained a loan through Speedy Cash. I have disputed this with all the credit bureau but XXXX XXXX XXXX XXXX XXXX will not remove or provide me with any documents verifying the account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have Wells Fargo as the mortgage company, they sold my home and did n't give me a fair review. I had tried working with them and nothing happened. I opened a complaint with Wells Fargo and XXXX XXXX was helpful but the proof that was provided from their end shows the part of the mistakes they did. I always provided them a full packet and all the documents necessary for them to review my loan. I am attaching that information with my complaint. They said they did nothing wrong but several times I got denied for not having enough income and in a letter that Wells Fargo provided as proof it clearly said that they verified my income to be {$0.00}, how could this be? when they had my taxes and my paystubs. They did this to me several times, and that I had a {$300.00} surplus. Of course I wont get qualified for anything if they verify my income to be {$0.00}. This is very upsetting and they took my home. I submitted a response to plaintiffs motion to confirm sale and I will provide all this proof, I need them to be investigated I had also filed bankruptcy before the sale date time, and I received a call from a Wells Fargo representative asking about the bankruptcy. The man informed me that I didnt have to file bankruptcy that Wells Fargo would assist me. After that call Wells Fargo informed me that there was no stay and that my home had sold, but with the court house I had confirmed that there was a stay, they informed me that the automatic stay takes effect once the documents are through and they give me a sheet with the case number and the time I need to go back for the meeting with the creditors. I need help there are many homeowners going through the same situation as I am. 

Thank you

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 2017-02-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In late XXXX, my mortgage was unilaterally sold by XXXX XXXX XXXX to Carrington Mortgage Services. I received a bill for my payment due in XXXX XXXX. Today is XXXX XXXX, XXXX and I have not received a XXXX bill. I called Carrington to ask why. They said that its because there is a bankruptcy " on my account '' and I have to write them a letter requesting to get bills before they can send. The bankruptcy was my wife 's ( she 's on the loan, too ) and was from XXXX. We 've never missed or been late on a mortgage payment in over 5 years. So, let me get this straight? I was paying my bills on time and XXXX bank sold my loan to another bank without my consent. And now, if I want to receive a bill to know what 's going on with my loan, I have to write a letter? That 's ridiculous. Carrington 's supervisor told me that the bankruptcy law had changed and this was required, but when I asked for a citation she could not provide XXXX. So, I asked her to send me a request in writing stating that to get bills I would have to write a letter due to the law requiring it. She refused. This was " XXXX, '' a supervisor. I do n't know what this is about but I 've been doing research and can not find any law requiring such a letter. I just want to get a bill so I can pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I notified company of errors and my request have gone ignored to date have not received any investigation request. 

1. The information is incorrect for the following account XXXX XXXX XXXX XXXX XXXX, LA XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

8. The inquiry was not authorized XXXX BANK Account Number : Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Account Number : Please remove it 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