BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
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:
I recently checked my credit report and found items on my credit report that don't belong. 
the account XXXX XXXX XXXX XXXX : amount XXXX there are also inquiries that i noticed that do not belong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that there is a incorrect address on therewhich is 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 2017-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company has been calling me for years using so many different numbers its hard to keep up with, they have used up my home phone messages so many times and so often i do n't even use my land line anymore. i use a cell phone that belongs to a third party and is n't recorded anywhere in my name, somehow they got that number and have started calling it. i am a XXXX veteran now living alone, i may or may not owe this debt, i filed ch XXXX XX/XX/2005 but found out later my wife kept some cards and accounts i did n't know about. she left over 2 years ago and i h ave no idea where she is. these people send me several letters a week and have called so often over the years its driving me crazy. i used to argue with them but sometimes its computer generated, when its a person they wo n't stop talking long enough for me to say anything, when i get mad and curse at them they talk over me and tell me its illegal to speak that way on the phone and that im being recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
They purchased a time barred account that was based on identity theft and have violated FDCA by renewing the statute of limitations illegally. I 've sent a cease and desist letter informing them that the account is time barred and I 've also learned that the company is n't bonded to collect debt in the state of Texas, thus violating Texas State Law. There are numerous FDCPA violations and I 've hired an attorney to proceed with filing a lawsuit against them for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery has placed a collection on my credit report which was from a old XXXX Account which I have not made a payment on this account since that of XXXX. When Portfolio Recover was called they said according to their records I made a payment on XXXX/XXXX/XXXX to XXXX which is not true it is a complete lie. Because this false information is on my credit report I can not obtain a loan for my son to go to college. A dear friend of Mine has been in communication with this company and I have made a copy of all the correspondence which she has sent to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CURO Intermediate Holdings
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:
I previously disputed this account with the credit reporting agency but was unsuccessful with the proper results. this is the result of identity theft. please investigate this account and send me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
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: Account status incorrect

Complaint:
I am resting a re-investigation of the XXXX  XXXX   XXXX  Collection account in the amount of {$570.00} by XXXX- Equifax and XXXX This account does not belong to me and should be removed and deleted- XXXX  has failed to provide a copy of any signature of a contract.The debtor XXXX  XXXX  XXXX is different from XXXX XXXX   XXXX  has listed. XXXX has failed to provide copies of any copies of balance total was calculated to the amount of {$570.00} XXXX XXXX XXXX  has never mailed me a collection according to the Fair Debt Collections act It is my belief that XXXX XXXX is in violation Fair Debt Collections P 807. False or misleading representations 2 ( a ) ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: FL
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 disputing all inaccuracies on my credit report Experian.

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 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
my wallet was stolen back in 2009 .this was during high school. someone put a fake check into my account. 
I told the bank I did n't know anything about this situation until a copy of the check came in the mail. the point of this complaint is to get to the bottom of this situation and to clear my name. my name is XXXX XXXX XXXX and my phone number is XXXX, my ss # is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company did not properly follow the decree set forth by the CFPB. They continue to harass me. I am on social security and recently suffered a XXXX XXXX. This debt was iin dispute originally. There was no chain of custody provided other than a bill of sale. Portfolio Recovery relied on in house verification

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I wanted to close my checking account with PNC Bank about a month ago due to the fact they were charging me overdraft fees because my online bill pay was deducting bills only hours before my paycheck was deposited, but it was overdrafting my account. This happened a few times before I gave up and decided to switch banks. XXXX weeks ago, I attempted to close my account and they said I could n't because I had pending charges. I 've gone back every week since, and they have said I still have pending charges. Saturday, XXXX, I went in and they told me I had {$1.00} in my account, but I still could not close my account due to a pending charge. Okay, fine. Today, I woke up and I am {$6.00} OVERDRAWN due to a service charge they hit me with this morning, all for going in to speak to a teller about closing my account. When I called and explained why I was upset, their office XXXX suggested I bring the account to a XXXX balance before coming into the branch office tomorrow to again try to close the account, and she said MAYBE they could refund me the service charge. She said if I did n't add money to this stupid account to bring it to a positive balance, I was subject to a {$39.00} dollar overdraft fee -- the entire reason I wanted to close this account in the first place. This bank is literally out for every single cent they can get off of people. I am underemployed, buried in student loan debt, and I work very hard for my money so paying a ridiculous amount in fees and having to give up time every week to go in and attempt to close an account is really bothersome. Oh, and they wo n't refund my fees, because that 's the entire reason I 'm closing my account down. This bank is manipulative, deceitful, and greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I deposited a check for {$19000.00} inside a BOA branch on XXXX XXXX, XX/XX/2015. I signed the deposit slip. On XXXX XXXX, XX/XX/2015 it was taken out of the account as a " return item chargeback ''. I was not contacted and noticed that the amount was not in the account so I called Bank of America. They said they took the funds out because I did not authorize the check. I feel like this was the teller 's responsibility to ensure that the transaction was handled according to BOA 's policies. I would have gladly authorized the check if I knew that it needed to be authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On or about XXXX XXXX, Chase bank closed my husband and my accounts. First my husband was paid on or about XXXX XXXX, a week ago. He found he could not access monies to move over to my account ( which were linked ). He was first told that his account was suspended for fraud? In which we were NEVER informed to find out that was n't the truth either, they 've known since and before our payroll hit that they were going to suspsend our accounts and never contacted us accordingly, which left us without knowing our rights and access to any monies left over from payroll/EFT depoists. Then a day later to find that it was suspeneded for mismanagement/NSF charges on Saturday and that we should be receiving a letter-we/I do not deny, however, I did not find out my account was also supspended until Monday, XXXX XXXX. We were NEVER notified in writing, and it has been well over a week since Chase audit departments initiated closing our accounts, hence, they should 've sent us a letter in advance, letting us know that our monies would be held to cover any overdrafts and or incoming transactions and when our remaining monies would be returned. 
I find these practices unlawful and illegal in the since that I have no monies and because of a XXXX situation, I was not able to quickly find out the status of my remaining funds, which could have left me in danger! To date, it has been well over a week and we were not notified via Chase secure server and other ways they could 've informed us that our monies would be withheld via the closiong our our accounts. I am not denying the reason for closing, but the illegal and deceptive way Chase has gone about this matter and not properly notifying in writing and what and when, what we can do about the matter, in regards to our rights and their right to just withhold/close our accounts with nothing in writing or a reprieve. I am a XXXX veteran and my income in limited with a XXXX issue happening in my home, which left me unable to pay many of the bills I need to XXXX survive and to take care of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Green Square Company LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received calls for several months XXXX saying I owe money from a debt, or old payday loan, or a bad check. They will not give me information unless I give them my social, and other information. I do not owe late/unpaid money to anyone, have never received any notice by mail, and my credit report is clean. They have threatened arrest, subpoenas, and are now calling my parents and siblings. They almost always have a different phone number to call or that they are calling from. They will not give me their address, or the company they are " arbitrating '' for. Their calls get increasingly hostile and their voicemails state that if I do not resolve it they will render a decision against me. I keep telling them to do that since I owe no money, but still they call stating the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit card
Issue: Sale of account

Complaint:
I disputed an account that I had with XXXX XXXX and XXXX XXXX updated the records as follows : XXXX Report - This item has been updated to report as paid in full. 
XXXX Report - Transferred, closed/Never Late XXXX - does not show up at all on this report However, before I disputed the incorrect reporting from XXXX XXXX, they must have sold my account Portfolio Recovery. When I disputed the validity of the debt with Portfolio Recovery, they ignored the fact that the debt with the original creditor was disputed and the correct information was updated on my bureaus and sent me paperwork to " prove '' the debt, that actually contradicts was they were reporting on my bureaus. Portfolio Recovery sent me what they claim is the last bill from XXXX XXXX that I received and it was from XXXX XXXX, however they are reporting that this debt was placed for collection on XXXX XXXX. They are even reporting the debt on my XXXX report, when XXXX XXXX never had a record, either positive or negative, at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted by Portfolio Recovery Associates in regard to an alleged debt to XXXX XXXX of {$610.00}. I am a XXXX year old man, never been to XXXX XXXX, never had an account there and have been divorced for over 10 years. I am also on XXXX. They have sent paperwork, requesting numerous forms of private information and identification. I am not willing to provide them with this information. This is not my debt. I believe this be a fraudulent misrepresentation in order to obtain personal and private information and to extract money under false pretenses. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hi, I have submitted a complaint previously regarding my issues with Toyota Financial. I was paying a XXXX car payment on a XXXX. I was told I could refinance in few months. Well I did try 6months or so into the loan and lenders told me that 's insane, I had said this in my previous complaints with. Along with they said I can defer a payment, said they did it and I said it does n't show up, and I also explained the women had told my I needed to sign a secure message through her email, well after a few phone calls,, few weeks, months later no deferral, and I 'm argue other issues, double dipping payments on my account. On my daughters birthday, that wasted our time to sign, investigate, and reverse my money. It 's a constant run around Just nasty collection calls, and called me the day a XXXX payment came out and the women called me lier in many words just in my detail with questions, telling me does n't show, and said that 's not possible as I 'm not set up for auto pay. I said XXXX, no reason to lie, I can not talk, I 'm a XXXX and the safety of these kids is priority, she continued to keep asking for a payment, I h a d to han up on her. The latest, I received a bill through mail, that my car payments due XXXX no mention of a repo. From the looks of it, I would never have thought a repo was going to take place, as I been paying on time XXXX a month. They were also I 'm formed on many occasions I I 'm SSD and my pay is every XXXX of month. I also mentioned This up coming payment was going to come out of my previous checking account which is XXXX as I was back banking with them. Well I 'll attach my statement. Tuesday, my car was pulled from my driveway a repossession. After crying, and all that pain, heartache in any situation when your property Is taken and as the communication is there on my end, on Toyotas end it was just a nasty experience. I Call I explain my daughters coats are in trunk I really need my stuff. I said I have a bill. They said I can not pay that amount to get the car back I must pay the entire XXXX plus the guy told me. I said if I had XXXX grand in my back pocket, I would n't be late be on payments. It was just extremely hurtful, stressful and I 'm very tired of being taking advantage of. The repo guy was the most helpful, very comforting to say the least. He had told me he just got the call the night before to come for my car. It just blows my mind that this companies rob individuals everyday, such as myself to keep their accounts up. Well I had enough of doing without because they plot out who they cheat. No so let 's fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a call at XXXX on XXXX/XXXX/2015. The representative did not disclose that it was an attempt to collect a debt and never confirmed who she was speaking with before discussing the debt that I supposedly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: NV
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:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX  

MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS XXXX


MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My PayPal account was permanently restricted last year. After 180 days, I received a withdrawal email notification from PayPal, but I could not complete the withdrawal. I contacted PayPal customer service many times and the problem has not been resolved. The customer service said : PayPal system security risk control does not allow withdrawals, I want to withdraw my balance, can't I do it? Is there any law?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I made a lump some payment of over {$20000.00} and the company could not find nor tell me what happened to my payment for over 2.5 weeks. Employees could not verify that payment would be made even though it had been deducted from my back account. Everything was resolved but it took over 2 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Factor Trust
State: NV
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:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My husband and I applied for a loan through Bank of America on XXXX 2014. Prior to that we got a pre-qualification letter signed. They denied the loan after an extension was made after a signed 30 day escrow due to a Fidelity Bond issue. They collected upfront a {$470.00} appraisal fee, {$75.00} Bank of America 's own Homeowner 's Association Certificate, {$50.00} XXXX XXXX XXXX doc 's. The condo appraised for more than the asking price, our debt to income ratio was good, we had an excellent FICO Score of XXXX XXXX 20 % - 25 % down. We signed a XXXX escrow with the buyer, which the owner extended for Bank of America due THEIR to the Fidelity Bond issue. Bank of America wanted the owner 's ( XXXX owner 's in total ) of the condo to have a Fidelity Bond ( NOTE : NO OWNER handles the money, it is done by a professional company, The XXXX XXXX ). The XXXX XXXX handles repairs, maintenance, collecting HOA dues, etc. Bank of America decline this loan for the sole reason of this Fidelity Bond issue. This left us all hanging including the owner and realtor for an extended time XXXX XXXX, 2014. Bank of America would not refund {$600.00} total from all the fees we paid upfront even when this was solely their call and not within the XXXX Guidelines.

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