BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-13
Company: PREFERRED CREDIT INC
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX of 2015 I was contacted by XXXX of Minnesota. I was understanding that they wanted to talk to me about some health issue. When they came to my home, they turned out to be vaccume selling people. They sold me a vaccume and an air purifier and I had it financed thru Preferred Credit , Inc. of XXXX XXXX, MN. in the amount of {$4000.00}. My wife worked at XXXX at the time of purchase. In early 2015 XXXX closed and she lost her job. I contacted P.C.I. and told them I would have to reduce the payments for awhile until she found a new job. Apparently they did n't like that I had to do that and they started reporting negatively on my credit report from then thru now. I have contacted them several times regarding this matter and they refuse to remove negative reporting, even tho I am now making regular payments to them. They said, I signed a contract and there 's nothing they can do about it. It has really damaged my credit and I am trying to get a mortgage and with this on my credit, I ca n't get a loan. My lease is up in XXXX and I have to move so I need help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage statement was dated XXXX/XXXX/2015. It was received on XXXX/XXXX/2015. This lapse of 9 days falls outside of normal postal delivery. I believe that actual mailing date took place on or about XXXX/XXXX/2015. The date on the statement should accurately approximate the date when the statement was placed in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Cuzco Capital Investment Management, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The company called my job and embarrassed me by not being professional. They called my phone and would not identify themselves then threatened me with law suits and hung up in my face repeatedly. They laughed and mocked me and wouldnt let me speak. They wouldnt verify the debt after I asked them several times. They caused me great XXXX  distress

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 Associates , LLC has sent numerous mailings to me for an alleged credit card debt ( s ). Portfolio Recovery provided the following XXXX ( XXXX ) account numbers for these alleged debts : XXXX and XXXX Portfolio Recovery has admitted that the Statute of Limitations for these alleged debts has long-since expired. Portfolio Recovery has admitted it can not sue me for these alleged debts. Portfolio Recovery has admitted that the 7 year Federal Reporting period to credit reporting agencies has expired. 

Notwithstanding, Portfolio Recovery has repeatedly reported the XXXX alleged credit card debts to all XXXX major credit reporting agencies. 

Portfolio Recovery has no legal standing and no legal remedy to be contacting me for any reason. Portfolio Recovery has admitted against its own interest that the Statute of Limitations for the collection of this alleged debts has expired. 

Any and all communications to me from Portfolio Recovery amount to nothing more than the knowing, willful, intentional and repeated, illegal " harassment '' of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding Unauthorized Inquiry on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal. This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2020-06-15
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new Hyundai XXXX in XXXX. My regular payment amount is {$540.00}. On XX/XX/2020, I paid {$540.00} which was correctly applied {$500.00} to the principle and {$42.00} to interest. I paid {$600.00} on XX/XX/2020. Only {$55.00} was applied to the principle when and none to any interests while the vast majority should be applied to the principle. On XX/XX/2020 I made a payment of {$700.00}. None was applied to the account. On XX/XX/2020, I made a payment of {$700.00}. None was applied to the account. On the payment history, all of these transactions are there. I called in XXXX and XXXX to ask about my payments, which I was told was applied correctly. I received a call from the Hyundai financial collections department on XX/XX/2020. I was told I owed {$1000.00}. The caller did not identify themselves. I called the 1-800 number on for Hyundai Financial and was told that I owed the above sum despite that my XXXX, XXXX and XXXX payments where not applied correctly, despite 2 previous phone calls. I was told that since I put in the payment information, It was my fault and that the department was closed.

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 2022-02-01
Company: EQUIFAX, INC.
State: NY
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding Unauthorized Inquiry on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal. This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: NY
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding Unauthorized Inquiry on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal. This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2017-01-12
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been paying on my loan of {$48000.00} since XX/XX/XXXX. its its XX/XX/XXXX and the balance is still {$47000.00}. When I call The company for the total interest I owe on the loan they say they cant give it to me. My interest rate is only 3.375 % the lowest but on some payment my whole payment went to the interest and not the principle. I have paid a total of like {$17000.00} according to my calculations and {$13000.00} in interest alone. 
The company says I have only paid a total of {$15000.00}. I disagree but this is what they say

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management XXXX : Consumer Support Services XXXX XXXX Big XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear XXXX XXXX, I have recently received a notice that Midland was zeroing out the account in their office that was falsely reporting to my consumer report. Since XX/XX/2021 I have written proof of Midland refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they stated they had proof I owed anything to Midland. I also requested Midlands contract directly with XXXX XXXX Bank as I know that this company purchased that debt thats already been written off and was attempting to collect it from me illegitimately. 

I have not now, nor have I ever done business with Midland Funding. For them to park this inaccuracy and lie about investigating it and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX XXXX for their roles in allowing you to furnish this information without my written consent and against my continued efforts to remove this account. 

Now that it is removed, I demand that Midland pay me what is owed to me according to law. I have actual damages and there are {$1000.00} violations attached to each time is was reported. Each month is a separate violation, and I am giving this company one opportunity to cure this situation, or we shall allow a federal judge to look at all these deceptive forms that have been mailed to me over the past year in support of your wrongdoing. It all stems from the false misrepresentation of Midland on my consumer report. I am due justice, and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for XXXX and you do not have to pay attorney fees, or we can add my consumer lawyer to the situation and under the FCRA you will pay him as well. Your choice. 
I have dealt with this harassment for long enough. For far too long my character has been defamed by the comments left by Midland on my reports against my efforts to resolve the situation outside of XXXX court. I expect a settlement offer within XXXX  days of this notice or further legal action will be initiated. 
I have enclosed XXXX pieces of evidence that proves just how long I have been fighting and the type of response and willful non-compliance I was getting from Midland in response to my disputes. You should be ashamed of yourself XXXX. Talk Soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
To whom it concern ( Toyota Financial Services ), these are all the documents that were received during my XXXX and while I was living overseas since XX/XX/XXXX-XX/XX/XXXX. While I was overseas there was a lawsuit against Toyota because there was no e-filing. I had returned the vehicle two months after purchasing dated XX/XX/XXXX, so XX/XX/XXXX or XX/XX/XXXX I had returned the vehicle. The vehicle was on lease to own terms. The Military XXXX I have provided are the XXXX that broke the lease, Toyota agreed there will be no charge upon release of the vehicle through my XXXX because Toyota supported the Military XXXX. 
A year after purchase Toyota had sent a lawsuit document but I was still living overseas, therefore I had no recollection of what was going on. XXXX had TMCC at the time as their financial company and they had made a mistake. Toyota was making an offering ( a settlement ) in regards to faulty paperwork CASE NO. There was also a recall on my vehicle but I turned the vehicle in two months after purchase. There should not have been any charges or reporting to my credit upon Military XXXX. This has put a financial burden on my life as far as purchasing a home, a vehicle, and this has also negatively ( damaging ) affected my credit for the past 6 years due to false reporting to credit bureaus. I would like the entire account removed from my credit or I will get a lawyer for a settlement for pain and suffering. 
V/R,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 taken out several disputes with Transunion in regards to the fraudlent account opened with verizone wireless under my name. XXXX refuses to send me information verifying and proving that this account is mine. They ignore me transfer my calls around etc. My next step was to exercise my rights under the FCRA through the credit bureaus. They asked me to provide documentation in regards to my identity theft claim. I have done that several times. They then mail me paperwork again asking for the same exact information I have already sent in. I have began to do my communication with them in email and in chat as well as electronically online disputing and telling them why. They keep coming back with the information was " verified '' and that I need to contact the lender to have the information corrected. I outlined specific areas of the law and what is required of them to " verify '' and Transunion refuses to follow the law. They even said they do not have that documentation on what they are reporting. They told me that they contact the lender and then lenders just confirm that this information is true and accurate. Nobody will provide me with the actual proof. Not XXXX XXXX or Transunion. The last complaint that I filed was just closed right away and stated that I would get my results mailed to me. In those results they asked me to provide a police report which I DID several times. Just today I was told the only thing they can do is reopen the dispute again. I have already done that a good four times. I sent them a letter stating the law of what they must provide and still they say they don't have to verify outside of just the lender confirming to be true. I even got a letter that stated I benefited from goods or services... well someone did but it sure wasn't me. Even if that was the case my rights have been violated and these people have not followed the law.

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 2015-05-29
Company: WELLS FARGO & COMPANY
State: KY
Product: Credit card
Issue: Balance transfer

Complaint:
I HAVE A COMPLAINT WITH WELLS FARGO ( XXXX XXXX ) CREDIT CARDI DID A BALANCE TRANSFER FROM WELLS FARGO TO XXXX XXXX CREDIT CARD, THE PAYMENT CASHED BY WELLS FARGO AND LEFT A SMALL BALANCEBUT ABOUT XXXX WEEKS WELLS FARGO STATING THE CHECK GOT REJECTED BY XXXX XXXX XXXX, I TALKED TO XXXX XXXX AND THEY SAID IT WAS CLEARED ON THIER END, I EVEN SENT AND FAXED A COPY OF THE CHECK TO WELLS FARGO, THIS ISSUE IS STILL NOT SOLVED, I EVEN HAD WELLS FARGO AND XXXX XXXX ON XXXX WAY CALL AND STILL NOTHING

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX ) XXXX XXXX FIN XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-07-21
Company: Upgrade, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am moving so I went online to change my address with Upgrade. There was not option to change my address online so I called customer service. I authenticated my account by providing my current address, phone number, last 4 of my social, and the last 4 of the bank account used to make payments. The customer service rep placed me on hold then came back to say I had to email the request to servicing @ upgrade.com along with a utility bill or my bank statement in order to change my address. I then emailed a letter from XXXX XXXX confirming I had ordered new service at my new address I received a reply saying that was not good enough. They asked me to send my bank statement as proof I had changed my address with my bank. My bank statement in confidential so I emailed them my new lease, the letter from XXXX  XXXX, and an email confirmation from XXXX where I ordered internet service at my new address. Upgrade again refused to change my address. I was able to change my address with my bank online and all of my credit cards on line with very little effort. My concern is by refusing to change my address I won't be able to pay Upgrade because my bank has my new address and Upgrade has my old address. It seems like a ploy on Upgrade 's part to prevent me from making payments or to gain access to PPI that they don't need and are not entitled to which is not acceptable. I need help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I'm trying to link my bank account with PNC on XXXX but PNC Doesn't allow this. It should be my choice who I link my account with not the banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I have disputed with Penny Mac loan services on a mortgage note that was in mine and my ex husband name. We divorced in XXXX and I have legal documents per my divorce decree that my ex husband was awarded the house and I would be held harmless from all the debt. My ex husband was in the process of selling the house at the end of XXXX and he did not make the last XXXX pmts making him 60 days late. Now it is showing on my credit. That was not my dept and I should not be liable. I was paying my own rent on time. I have no missed payments on my credit. I would like for PennyMac to remove this issue. I have made a dispute with them and they have denied my dispute. I can not get a loan from any XXXX because it looks like that this is my debt and clearly is not. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have tried to resolve this issue with PRA directly to no avail. I am frustrated by their lack of service. There are several inaccuracies being reported by Portfolio Recovery Associates ( PRA ) to all XXXX credit reporting agencies ( CRA ). I have contacted PRA via email and by phone several times to discuss the incorrect reporting and have not been able to have them respond as to why the information is incorrect. See attached initial email, contact timeline and supporting documentation from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
Since PRA was unable to assist with an explanation, I contacted XXXX of the CRAs and XXXX, in an effort to determine why the inaccuracies were appearing on my credit report. I explained to both what I was seeing and XXXX stated that I should work with the entity reporting to the CRA, ( PRA ) since neither of them may change PRA 's reporting.

Company response to consumer: Closed with explanation